# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001999371-25-008521
**Filing Date:** 2025-6
**Character Count:** 3578654
**Document Hash:** d1953d5b0d45f02daa1b295979c6ac2a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-008521.hdr.sgml**: 20250630

**ACCESSION NUMBER**: 0001999371-25-008521

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

**PUBLIC DOCUMENT COUNT**: 107

**CONFORMED PERIOD OF REPORT**: 20250630

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

**FILED AS OF DATE**: 20250630

**DATE AS OF CHANGE**: 20250630

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 251089819

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

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

**<u>EFMT DEPOSITOR LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001946154

EFMT 2025-INV3

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

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

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

Robert A. Catarella, (203) 409-3596

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

---

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

---

Not Applicable

---

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

---

Not Applicable

---

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

---

Not Applicable

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

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

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

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

Not Applicable

**SIGNATURES**

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

---

| | |
|:---|:---|
|  | **EFMT DEPOSITOR LLC** |
|  | By: Ellington Management GROUP, <br> L.L.C., as its manager |
| Date: June 30, 2025 | /s/ Robert A. Catarella |
|  | Name: Robert A. Catarella |
|  | Title: Managing Director |

---

**EXHIBIT INDEX**

[99.01](ex99-01.htm) [AMC Diligence, LLC ("**AMC**") Narrative](ex99-01.htm)

[99.02](ex99-02.htm) [AMC Rating Agency Grades Report](ex99-02.htm)

[99.03](ex99-03.htm) [AMC Exception Grades Report](ex99-03.htm)

[99.04](ex99-04.htm) [AMC Valuation Summary Report](ex99-04.htm)

[99.05](ex99-05.htm) [AMC Supplemental Data Report](ex99-05.htm)

[99.06](ex99-06.htm) [AMC Business Purposes Report](ex99-06.htm)

[99.07](ex99-07.htm) [Consolidated Analytics, Inc ("**CA**") Narrative](ex99-07.htm)

[99.08](ex99-08.htm) [CA MLPSA Extract Report](ex99-08.htm)

[99.09](ex99-09.htm) [CA Exception Report](ex99-09.htm)

[99.10](ex99-10.htm) [CA Rating Agency Grades Report](ex99-10.htm)

[99.11](ex99-11.htm) [CA Valuations Summary Report](ex99-11.htm)

[99.12](ex99-12.htm) [CA Data Compare Report](ex99-12.htm)

[99.13](ex99-13.htm) [Digital Risk, LLC ("**Digital Risk**") Narrative](ex99-13.htm)

[99.14](ex99-14.htm) [Digital Risk Findings Summary Report](ex99-14.htm)

[99.15](ex99-15.htm) [Digital Risk Findings Exception Report](ex99-15.htm)

[99.16](ex99-16.htm) [Digital Risk Rating Agency Grades Report](ex99-16.htm)

[99.17](ex99-17.htm) [Digital Risk Valuation Report](ex99-17.htm)

[99.18](ex99-18.htm) [Digital Risk DI Summary Report](ex99-18.htm)

[99.19](ex99-19.htm) [Digital Risk DI Due Diligence Standard Report](ex99-19.htm)

[99.20](ex99-20.htm) [Digital Risk Supplemental Report](ex99-20.htm)

[99.21](ex99-21.htm) [Digital Risk Non-QM Supplemental Report](ex99-21.htm)

[99.22](ex99-22.htm) [Evolve Mortgage Services ("**Evolve**") Narrative](ex99-22.htm)

[99.23](ex99-23.htm) [Evolve Rating Agency Grades Report](ex99-23.htm)

[99.24](ex99-24.htm) [Evolve Exception Detail Report](ex99-24.htm)

[99.25](ex99-25.htm) [Evolve Valuation Report](ex99-25.htm)

[99.26](ex99-26.htm) [Evolve Data Compare Report](ex99-26.htm)

[99.27](ex99-27.htm) [Evolve QM or ATR Data Report](ex99-27.htm)

[99.28](ex99-28.htm) [Evolve Business Purpose Report](ex99-28.htm)

[99.29](ex99-29.htm) [Evolve Additional Data Report](ex99-29.htm)

[99.30](ex99-30.htm) [Incenter Lender Services LLC ("**Incenter**") Narrative](ex99-30.htm)

[99.31](ex99-31.htm) [Incenter Review Summary Report](ex99-31.htm)

[99.32](ex99-32.htm) [Incenter Exception Report](ex99-32.htm)

[99.33](ex99-33.htm) [Incenter Rating Agency Grades Report](ex99-33.htm)

[99.34](ex99-34.htm) [Incenter Tape Compare Report](ex99-34.htm)

[99.35](ex99-35.htm) [Incenter Supplemental Data Report](ex99-35.htm)

[99.36](ex99-36.htm) [Incenter QM or ATR Report](ex99-36.htm)

[99.37](ex99-37.htm) [Incenter Valuation Summary Report](ex99-37.htm)

[99.38](ex99-38.htm) [Incenter Business Purpose Report](ex99-38.htm)

[99.39](ex99-39.htm) [Opus Capital Markets Consultants, LLC ("**Opus**") Narrative](ex99-39.htm)

[99.40](ex99-40.htm) [Opus Standard Findings Report](ex99-40.htm)

[99.41](ex99-41.htm) [Opus Rating Agency Grades Summary Report](ex99-41.htm)

[99.42](ex99-42.htm) [Opus ATR or QM Report](ex99-42.htm)

[99.43](ex99-43.htm) [Opus Supplemental Data Report](ex99-43.htm)

[99.44](ex99-44.htm) [Opus Business Purpose Report](ex99-44.htm)

[99.45](ex99-45.htm) [Opus Valuation Report](ex99-45.htm)

[99.46](ex99-46.htm) [Opus Data Compare Report](ex99-46.htm)

[99.47](ex99-47.htm) [Selene Diligence LLC ("**Selene**") Narrative](ex99-47.htm)

[99.48](ex99-48.htm) [Selene Rating Agency Grades Report](ex99-48.htm)

[99.49](ex99-49.htm) [Selene Standard Findings Report](ex99-49.htm)

[99.50](ex99-50.htm) [Selene Valuation Report](ex99-50.htm)

[99.51](ex99-51.htm) [Selene Mortgage Loan Schedule Report](ex99-51.htm)

[99.52](ex99-52.htm) [Selene Supplemental Data Report](ex99-52.htm)

[99.53](ex99-53.htm) [Selene Business Purpose Report](ex99-53.htm)

[99.54](ex99-54.htm) [Selene Data Compare Report](ex99-54.htm)

[99.55](ex99-55.htm) [The StoneHill Group, Inc. ("**Stonehill**") Narrative](ex99-55.htm)

[99.56](ex99-56.htm) [Stonehill Rating Agency Grades Summary Report](ex99-56.htm)

[99.57](ex99-57.htm) [Stonehill Rating Agency Grades Details Report](ex99-57.htm)

[99.58](ex99-58.htm) [Stonehill ATR or QM Report](ex99-58.htm)

[99.59](ex99-59.htm) [Stonehill Business Purpose Report](ex99-59.htm)

[99.60](ex99-60.htm) [Stonehill Data Compare Report](ex99-60.htm)

[99.61](ex99-61.htm) [Stonehill Supplemental Data Report](ex99-61.htm)

[99.62](ex99-62.htm) [Stonehill Valuation Report](ex99-62.htm)

[99.63](ex99-63.htm) [Canopy Financial Technology Partners LLC ("**Canopy**") Narrative](ex99-63.htm)

[99.64](ex99-64.htm) [Canopy Supplemental Data Report](ex99-64.htm)

[99.65](ex99-65.htm) [Canopy Business Purpose Report](ex99-65.htm)

[99.66](ex99-66.htm) [Canopy Rating Agency Grades Summary Report](ex99-66.htm)

[99.67](ex99-67.htm) [Canopy Rating Agency Grades Detail Report](ex99-67.htm)

[99.68](ex99-68.htm) [Canopy Valuation Report](ex99-68.htm)

[99.69](ex99-69.htm) [Canopy Data Compare Report](ex99-69.htm)

[99.70](ex99-70.htm) [Canopy ATR or QM Report](ex99-70.htm)

## Exhibit 99.1

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Ellington Management Group, LLC (the "Client") through flow reviews and/or acquired by reliance letter. The Review was conducted from December 2018 to June 2025 on mortgage loans with origination dates in November 2018 to April 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (3 loans) and the Business Purpose Scope (18 loans). The loans reviewed using the Credit and Compliance Scope and the Business Purpose Scope are referred to as the mortgage loans.

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

The initial population consisted of 21 mortgage loans.

The final population of the Review covered 21 mortgage loans totaling an aggregate original principal balance of approximately $8.251 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

**(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), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original PITIA |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Rounding Method |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Original Loan Amount |  |

---

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

![](ex9901001.jpg)

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

**<u>CREDIT REVIEW 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, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with 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.

**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 (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

2 \| P a g e

![](ex9901001.jpg)

**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) and ensured that the title conformed with 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 adheres to the credit policy.

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

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

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

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

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

▪ Confirming,
 if applicable, business license(s) and P&L's are present, valid, and adheres
 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 a completed fields, and verifying that the hand written 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.

3 \| P a g e

![](ex9901001.jpg)

▪ 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.

▪ Reviewing
 and calculating that the DSCR and/or Property DTI conforms with applicable guidelines.

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

---

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

---

**DATA COLLECTION**

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

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

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

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

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

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**(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.

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;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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.

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

---

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

---

For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage 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, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

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

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

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

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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.**

**(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.

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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.

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

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

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![](ex9901001.jpg)

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;76.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;23.81% |
| &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;**21** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9901001.jpg)

**COMPLIANCE RESULTS SUMMARY**

Please note that eighteen (18) Business Purpose were not subjected to a compliance review and did not receive a compliance grade. Three (3) mortgage loan reviewed by AMC has a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Sixteen (16) mortgage loans reviewed by AMC have a Credit grade of "A", and five (5) mortgage loan reviewed by AMC has a Credit grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;76.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;23.81% |
| &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;**21** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All twenty-one (21) mortgage loans reviewed by AMC have a Property grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &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;**21** | &nbsp;&nbsp;**100.00%** |

---

**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 Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**5** |

---

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![](ex9901001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 21 mortgage loans reviewed, 8 unique mortgage loans had 12 different tape discrepancies across 8 data fields (some mortgage loans had more than one data delta). The largest variances were found on Property Type.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;21 | &nbsp;&nbsp;19.05% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**313** | &nbsp;&nbsp;**3.83%** | &nbsp;&nbsp;**21** |

---

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![](ex9901001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;19 | &nbsp;&nbsp;90.48% | &nbsp;&nbsp;$7566430.00 | &nbsp;&nbsp;91.70% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;$684942.00 | &nbsp;&nbsp;8.30% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8251372.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$8251372.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8251372.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;15 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$6459800.00 | &nbsp;&nbsp;78.29% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$1791572.00 | &nbsp;&nbsp;21.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8251372.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$8251372.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8251372.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;8 | &nbsp;&nbsp;38.10% | &nbsp;&nbsp;$3185850.00 | &nbsp;&nbsp;38.61% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$1015000.00 | &nbsp;&nbsp;12.30% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;4 | &nbsp;&nbsp;19.05% | &nbsp;&nbsp;$744972.00 | &nbsp;&nbsp;9.03% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;$135800.00 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;$406000.00 | &nbsp;&nbsp;4.92% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;$2088750.00 | &nbsp;&nbsp;25.31% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;$675000.00 | &nbsp;&nbsp;8.18% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8251372.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$8251372.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8251372.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.2

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.02**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex9902001.jpg) | ![](ex9902001.jpg) | ![](ex9902001.jpg) | ![](ex9902001.jpg) | ![](ex9902001.jpg) | ![](ex9902001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| XXX | 1079767 | XXX |  |  |  | C | C | C | C | CC | C | A | A | A | A | RA | A | A | A | A | A | VA | A | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B |
| XXX | 2009705 | XXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2020091 | XXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2020094 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 1993840 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 1993841 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 1993838 | XXX |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 1993839 | XXX |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 1993836 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 1993837 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2009710 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2009707 | XXX |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2009709 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2009712 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2009716 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2009711 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| XXX | 2020084 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2020087 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2020092 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2020095 | XXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| XXX | 2020090 | XXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

## Exhibit 99.3

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.03**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](ex9903001.jpg) | ![](ex9903001.jpg) | ![](ex9903001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | 1079767 | XXX |  | 9466390 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Please provide xxxx bank statements from Banking Institution used for income to qualify per bank statement calculator. Subject to re-qualification. |  |  |  | Reviewer Comment (2018-12-11): Received missing bank statements.<br>Seller Comment (2018-12-10): please see attached bank stmts | 12/11/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| XXX | 1079767 | XXX |  | 9466437 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please verify the amount used for monthly tax escrow. Unable to determine amount used. DTI subject to change. |  |  |  | Reviewer Comment (2018-12-11): Received tax searches. Appears to be assessed less than amount used to qualify.<br>Seller Comment (2018-12-10): please see tax cert and updated 1008 with reduced tax premium | 12/11/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| XXX | 1079767 | XXX |  | 9466481 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide mortgage statement from xxxx for owner occupied property at xxxx supporting monthly payment includes escrows. Subject to re-qualification. |  |  |  | Reviewer Comment (2018-12-11): Received 1st payment letter.<br>Seller Comment (2018-12-10): please see first payment letter attached | 12/11/2018 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| XXX | 1079767 | XXX |  | 9448978 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Please provide additional reserves. Asset worksheet reflects $XXXX cash needed to close per CD. However, per Final CD, cash to close reflects $XXXX with $[redcted] Appraisal fee paid before closing for total $XXXX. | XXXX DTI<br>XXXXLTV<br>Borrower has Residual Income of $XXXX. |  | Aggregator<br>Aggregator<br>Aggregator | Reviewer Comment (2018-12-12): Lender Deviation Approval in file supported by Compensating Factors<br>Reviewer Comment (2018-12-12): Final PITIA Reserves are XXXX months.<br>Seller Comment (2018-12-11): please see appraisal invoice, appraisal was paid with a credit card, updated CTC worksheet and final approval.<br>Reviewer Comment (2018-12-11): Current guidelines available require XXXX months reserves for Non-Owner Occupied properties. Please provide update to guidelines or approval with deviation for reserves less than XXXX months.<br>Seller Comment (2018-12-10): two months reserves is required, please see updated CTC worksheet |  |  | 12/12/2018 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| XXX | 2009705 | XXX |  | 33572587 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | Unable to determine compliance with Right To Receive a Copy of Appraisal due to missing information | Unified Business Disclosure inclusive of the 'Notice of Right to copy of Appraisal' is in loan file is missing. The Encompass Disclosure Tracking Details summary is also not found in the loan file. |  |  |  | Reviewer Comment (2025-04-10): Received internal tracking<br>Buyer Comment (2025-04-09): attached | 04/10/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Investment | Purchase |  | B | A | A | A | B | A | A | A | N/A | Exempt from ATR | No |
| XXX | 2020091 | XXX |  | 33572591 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | Unable to determine compliance with Right To Receive a Copy of Appraisal due to missing information | Unified Business Disclosure inclusive of the 'Notice of Right to Copy of Appraisal' is in the loan file however evidence of receipt is missing. The XXXX Disclosure Tracking details summary also not found in loan file |  |  |  | Reviewer Comment (2025-05-02): Received internal tracking<br>Buyer Comment (2025-05-01): Providing XXXX Disclosure Tracking Detail report confirming Unified Business Purpose Disclosure was emailed to borrower within XXXX days of application. | 05/02/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Investment | Purchase |  | B | A | A | A | B | A | A | A | N/A | Exempt from ATR | No |
| XXX | 2020094 | XXX |  | 33572629 |  |  | 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 provided renewal policy for the hazard insurance does not list the lender as mortgagee. An updated renewal binder is required which verifies the current policy lists the lender as mortgagee. |  |  |  | Reviewer Comment (2025-01-30): Received<br>Buyer Comment (2025-01-28): attached | 01/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 1993838 | XXX |  | 33572638 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Provided Guarantor Agreement was not signed by the sole guarantor. The complete and signed copy of the document is required. |  |  |  | Reviewer Comment (2025-03-12): Received<br>Buyer Comment (2025-03-11): guarantee | 03/12/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XXX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 1993838 | XXX |  | 33572639 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing |  | Missing Signed Prepayment Rider |  |  |  | Reviewer Comment (2025-03-13): Received<br>Buyer Comment (2025-03-12): PP rider | 03/13/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | XXX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 1993838 | XXX |  | 33572637 |  |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Provided Security Instrument was not signed by the sole member of the borrowing entity. A completed and signed copy of the document is required. |  |  |  | Reviewer Comment (2025-03-12): Received<br>Buyer Comment (2025-03-11): Mortgage | 03/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 1993838 | XXX |  | 33572636 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Provided Prepayment Addendum was not signed by the sole member of the borrowing entity. A completed and signed copy of the document is required. |  |  |  | Reviewer Comment (2025-03-12): Received<br>Buyer Comment (2025-03-11): Pre-payment addendum | 03/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | Yes |
| XXX | 1993838 | XXX |  | 33572635 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provided closing statement was not signed by the borrower or stamped as final. The finalized closing statement or HUD-1 is required. | Borrower has owned the subject property for at least XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-12): Lender acknowledges that this will remain an XXX and elects to waive<br>Buyer Comment (2025-03-11): Final Settlement Statement to close out, if you down grade to XXX we will elect to waive XXX and close out. |  |  | 03/12/2025 | 2 | D | B | D | B | D | B | D | B | D | B |  | XXX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 1993838 | XXX |  | 33572634 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: XXX Rider was not provided. |  | Provided XXX Rider was not signed by the sole member of the borrowing entity. A completed and signed copy of the document is required. |  |  |  | Reviewer Comment (2025-03-12): Received<br>Buyer Comment (2025-03-11): XXX unit / rents | 03/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| XXX | 1993839 | XXX |  | 33572641 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title coverage is less than the loan amount. Provide a current copy of the preliminary, commitment, or final title. |  |  |  | Reviewer Comment (2025-03-11): Received Amended<br>Buyer Comment (2025-03-11): Please see attached | 03/11/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | XXX | Investment | Refinance - Cash-out - Other |  | B | A | B | A |  |  | A | A |  | N/A | No |
| XXX | 1993836 | XXX |  | 33572642 |  |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Provide preliminary, commitment, or final title. Title Policy provided is Proforma which does not meet parameters of Commitment or Final Title |  |  |  | Reviewer Comment (2025-03-12): Received<br>Buyer Comment (2025-03-12): Title commitment | 03/12/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| XXX | 2009707 | XXX |  | 33572648 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Please provide a copy of Credit Report for XXXX. |  |  |  | Reviewer Comment (2025-03-24): Received<br>Buyer Comment (2025-03-24): Credit Report | 03/24/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | XXX | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2009707 | XXX |  | 33572649 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  |  |  |  | Reviewer Comment (2025-03-24): Received<br>Buyer Comment (2025-03-24): Credit Report, mid XXXX | 03/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| XXX | 2009709 | XXX |  | 33572651 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing required document for XXXX. Operating agreement provided verifies two members that manage the business jointly. A corporate resolution is then required to allow only one manager to have signed the Note. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-31): Lender requests to waive with compensating factors to an XXX<br>Buyer Comment (2025-03-28): Please clear as level XXXX, lender accepts finding.<br>Reviewer Comment (2025-03-28): Per the Operating agreement Guarantor does have XXXX% ownership however, the operating agreement states "the Manager shall Jointly have power and authority on behalf of the Company. . . " so the second member needed to authorize. Loan has Compensating factors and can be regraded to a Grade XXXX<br>Buyer Comment (2025-03-25): Per the UW - The borrower is XXXX% owner and is majority owner, She has the ability to sign base don that alone, legally. |  |  | 03/31/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2009712 | XXX |  | 33572653 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Please provide corrected Note, Security Instrument and appraisal as these documents have a Zip Code of XXXX - and Title, Hazard, Flood and Zip Code lookup all have Zip Code of XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXXX% and $XXXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least XXXX%.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-01): Lender requests to waive with compensating factors to an XXX<br>Reviewer Comment (2025-03-28): Received amended appraisal, missing amended Note and Security Instrument<br>Buyer Comment (2025-03-26): attached |  |  | 04/01/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | XXX | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2009711 | XXX |  | 33572659 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Missing required document for XXXX. |  |  |  | Reviewer Comment (2025-04-01): Received<br>Buyer Comment (2025-04-01): Articles | 04/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2009711 | XXX |  | 33572660 |  |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Lender allowed the property listing within XXXX months of the subject transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-28): Lender exception approval in file |  |  | 03/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | XXX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| XXX | 2020090 | XXX |  | 33572667 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing required document for XXXX The provided operating agreement does not define a manager and both members did not sign the Note. |  |  |  | Reviewer Comment (2025-05-06): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2025-05-05): Corporate Resolution is not required, Borrower owns XXXX% of this XXX and has a majority/controlling interest. Attached Operating agreement states Member or Members with majority interest can make all the decisions and qualifies as a forum. Please refer to XXXX-...The holders of a majority interest... XXXX-... all decisions of the Operating Manager shall be by the majority in interest of the members. | 05/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | XXX | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |

---

## Exhibit 99.4

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.04**

---

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| ![](ex9904001.jpg) | ![](ex9904001.jpg) | ![](ex9904001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **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 REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL 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** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXX | 1079767 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2009705 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXX | 2020091 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2020094 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| XXX | 1993840 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.10 |
| XXX | 1993841 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| XXX | 1993838 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 1993839 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXX | 1993836 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.459% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 1993837 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2009710 | XXX |  |  |  |  |  |  | 12.500% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2009707 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2009709 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXX | 2009712 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| XXX | 2009716 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | 2009711 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | 2020084 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2020087 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | 2020092 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| XXX | 2020095 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXX | 2020090 | XXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.5

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.05**

---

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| ![](ex9905001.jpg) | ![](ex9905001.jpg) | ![](ex9905001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** | **Run Date - 6/9/2025 2:14:30 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| XXX | 1079767 | XXX |  | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX |  |  |  |  | N/A | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  | XXX | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  | Commitment | Fee Simple | XXX | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2009705 | XXX |  | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 2.9 |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2020091 | XXX |  | XXX |  |  |  | No | No | XXX | XXX |  | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  |  | XXX |  |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | XXX |  | XXX | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | 1 |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No |  |  |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | Yes | No | No |
| XXX | 2020094 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 3.1 |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 1993840 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 4.1 |  |  |  | No | No | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 1993841 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 2.6 |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 1993838 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 1993839 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 1 |  |  |  | No | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 1993836 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 1993837 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | XXX | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2009710 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2009707 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 1 |  |  |  | Yes | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2009709 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 3.5 |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2009712 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 1.8 |  |  |  | Yes | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2009716 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2009711 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 1 |  |  |  | Yes | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2020084 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 1 |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Leasehold | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No | Yes | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2020087 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 1 |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2020092 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  | XXX | 0 | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 1.6 |  |  |  | Yes | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Trustee | Individual | Trustee | Trust | Business Entity | Trust | Business Entity |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2020095 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX | 1 |  |  |  | Yes | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |
| XXX | 2020090 | XXX |  | XXX |  |  |  | No | No |  |  |  |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | Yes |  | XXX |  |  |  | XXX |  |  |  |  | N/A | No | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  |  | XXX | No | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | XXX | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXX |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | No | No |

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## Exhibit 99.6

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.06**

![](situs.jpg)

---

| |
|:---|
| **ASF Addendum - Business Purpose** |
| **Run Date - 6/9/2025 2:14:31 PM** |

---

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXX | 1079767 | XXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2009705 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | XXX | XXX | XXX | Level 4-Stated/Verified as defined | XXX | XXX | Not Applicable | XXX | Not Applicable | XXX | Not Applicable | Individual | Individual | Employed |  |  | 1 | XXX | XXX | XXX | Level 4-Stated/Verified as defined | XXX | XXX | Not Applicable | XXX | XXX | XXX | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2020091 | XXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Business Entity | Unemployed |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | XXX | XXX | XXX | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 2-Stated/Not Verified | Classic | XXX | XXX | Not Applicable | XXX | Not Applicable | XXX | Not Applicable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |
| XXX | 2020094 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 7 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 5 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 1993840 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 11 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 1993841 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 1993838 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 1993839 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 3 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 1993836 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 8 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 8 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 1993837 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 3 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Trustee |  |  |  | 2 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | Individual | Trustee |  |  |  | 2 | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac (VER. 2) | XXX | XXX | XXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2009710 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 7 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 5 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2009707 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 3 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2009709 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2009712 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 3 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Corp | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | XXX |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2009716 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Multiple Sources | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 7 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 3 | XXX |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  | XXX | Full Recourse | 4 | XXX |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2009711 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 9 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2020084 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |
| XXX | 2020087 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2020092 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Rent on Existing Lease | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Trustee |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX | FICO II | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | Individual | Trustee |  |  |  | 1 | XXX |  |  | Level 4-Stated/Verified as defined | XXX | XXX | FICO II | XXX | XXX | XXX | FICO Risk Score Classic 04 | Business Entity |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Business Entity |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | No |  |  | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 2020095 | XXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 1 | XXX |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  | XXX | Full Recourse | 1 | XXX |  |  | Level 4-Stated/Verified as defined |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |
| XXX | 2020090 | XXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXX | Third Party Rental Source | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |  |  | XXX | XXX | Level 4-Stated/Verified as defined | No | 1 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 | XXX | XXX |  | Level 4-Stated/Verified as defined | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXX | Full Recourse | 2 | XXX |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXX | XXX | Fair Isaac (VER. 2) | XXX | FICO Classic V5 Facta | XXX | FICO Risk Score Classic 04 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.07**

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

**EXECUTIVE SUMMARY**

Third Party Due Diligence Review

**June 6, 2025**

***EFMT 2025-INV3***

Overview

Consolidated Analytics, Inc. a third-party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC (the "Client"). The review included a total of 63 business purpose, residential mortgage loans, in connection with the securitization identified as EFMT 2025-INV3 (the "Securitization"). The review began in February of 2023, and concluded in April of 2025.

Scope of Review

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
to determine sufficiency for consideration in the Credit Review. The Credit Documentation review consisted of the following:

○ **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains OFAC clearance

○ **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards

○ **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves

○ **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport)

○ **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required

○ **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary independent estimate of value

○ **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity

○ **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

○ **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is in the file

○ **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the individual executing the loan agreements has been signing authority on behalf of the borrowing entity

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
interest in the loan and the borrower(s)' obligations thereunder was conducted with the purpose of validating their presence
in the mortgage loan file and sufficiency of execution:

○ **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties

○ **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents

○ **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution

○ **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan

○ **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied

○ **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title is free from material defects that could affect lien position

○ **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property

○ **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale

○ **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under
which each loan qualification review took place. Qualification criteria includes:

○ **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements of underwriting guidelines

○ **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets to meet underwriting standards

○ **Debt-Service Coverage Ratios "DSCR":** Calculate the debt-service coverage ratio to ensure it meets minimum guideline standards

○ **Credit History:** Review the borrower credit reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

○ **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting guidelines

○ **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan is accurate and compliant with guideline requirements. Confirm that the borrower has executed an affidavit of commercial/business purpose and that no other documentation that shows the subject property might be a primary residence

○ **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines

○ **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in PITI calculations. If required based on flood **zone**, confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations

○ **Compensating Factors:** Review and validate any compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions

○ **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question

○ **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported

○ **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed

**Valuation Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;a. Review the original appraisal and all additional property valuation documentation to determine
whether source, format and type meet program and guideline eligibility requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm that the property type is an eligible property type per program standards and underwriting
guidelines

&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm as applicable that and independent supplemental third-party valuation was received and
is within allowable tolerance of the original qualifying value

&nbsp;&nbsp;&nbsp;&nbsp;d. Assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm that property standards conform to underwriting guidelines requirements

&nbsp;&nbsp;&nbsp;&nbsp;f. Determine whether the property is completely constructed and the appraisal is on an "as is
basis," or property is identified as not completely constructed by originating appraiser

&nbsp;&nbsp;&nbsp;&nbsp;g. Review and determine whether the appraisal was performed on appropriate form and whether the appraiser
indicated in the body of the conformity to USPAP standards

&nbsp;&nbsp;&nbsp;&nbsp;h. Review property for functional obsolescence

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

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

Consolidated Analytics applied a cascade methodology to determine if the original appraised value total was reasonably supported when compared to an independent third-party valuation product. For loans reviewed in a post-close valuation review (63 loans consisting of 63 individual properties), the origination value was based on the following products:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Primary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;1004 | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;1025 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;1073 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;**63** |

---

42 properties were supported by a Collateral Underwriter Risk Score of 2.5 or below (CU Score), 19 properties were supported by a Collateral Desktop Analysis (CDA), 2 properties were supported by an Automated Valuation Model (AVM).

In summary the final secondary property valuation by product is as follows:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Secondary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;CU Score | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;CDA | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; **Totals:** | &nbsp;&nbsp;**63** |

---

Loan Level Valuation Grades are based on the cumulative total of origination appraised values for an individual loan compared to the cumulative total of the secondary valuation products. Loans where the cumulative secondary valuation had a negative variance equal to or greater than 10% of the origination appraised value total were provided with a Valuation Grade of "C".

Of the 63 loans reviewed, all 63 are single property loans.

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

**Tape Integrity Review Results Summary**

Of the sixty-three (63) mortgage loans reviewed, nineteen (19) unique mortgage loans (30.16% by loan count) had a total of forty-one (41) tape discrepancies across twenty (20) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;9 | &nbsp;&nbsp;21.95% |
| &nbsp;&nbsp;Borrower_First_Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;12.20% |
| &nbsp;&nbsp;Borrower_Last_Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.76% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.32% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.88% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.88% |
| &nbsp;&nbsp;Property Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.88% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.88% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Original_Amortization_Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Original_CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Original_LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;**41** | &nbsp;&nbsp;**100.00%** |

---

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

Summary of Results

**Overall Results Summary**

After giving consideration to the grading criteria, 9.52% of the loans received an Overall "B" grade and 90.48% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;90.48% | &nbsp;&nbsp; $9981495.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp; $782950.00 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;**Credit Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;93.65% | &nbsp;&nbsp; $10284695.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.35% | &nbsp;&nbsp; $479750.00 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;**Valuation Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;61 | &nbsp;&nbsp;96.83% | &nbsp;&nbsp; $10461245.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.17% | &nbsp;&nbsp; $303200.00 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $— |

---

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Closing Documentation | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title/Lien | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title or Lien | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Project Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Application/Processing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Final Loan Application is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Credit Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Missing Rental/or Mortgage Payment History | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Insufficient Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Loan Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Missing 12-month Payment History | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT GRADE A FINDINGS:*** | &nbsp;&nbsp;***59*** |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT GRADE B FINDINGS:*** | &nbsp;&nbsp;***5*** |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT GRADE C FINDINGS:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT GRADE D FINDINGS:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***TOTAL CREDIT FINDINGS:*** | &nbsp;&nbsp;***64*** |

---

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Flood Certificate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Debt Service Coverage Ratio Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Appraisal Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Application/Processing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***TOTAL PROPERTY GRADE A FINDINGS:*** | &nbsp;&nbsp;***11*** |
|  |  | &nbsp;&nbsp;***TOTAL PROPERTY GRADE B FINDINGS:*** | &nbsp;&nbsp;***2*** |
|  |  | &nbsp;&nbsp;***TOTAL PROPERTY GRADE C FINDINGS:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***TOTAL PROPERTY GRADE D FINDINGS:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***TOTAL PROPERTY FINDINGS:*** | &nbsp;&nbsp;***13*** |

---

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit and Valuation Guidelines. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of 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 published guidelines without any exception or waiver. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published guidelines, but reasonable compensating factors were documented for exceeding published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| ![](ex9907001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |
| ![](ex9907001.jpg) |  |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Value is supported and within 10% of the original appraised value, the property is 100% complete and property and valuation meet the required underwriting guidelines and were completed on standard agency approved forms or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Value is supported and within 10% of the original appraised value. 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, and completed on standard agency approved forms or other eligible forms based on lender/investor requirements. |
| &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 standard agency approved forms or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.8

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.08**

---

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| **Originator Loan ID** | **Client Loan ID** | **Seller Loan ID** | **UW ID** | **Seller Name** | **Lender Name** | **Originator Name** | **NMLS Loan Originator Number** | **NMLS Loan Officer Number** | **Primary Servicer** | **Borrower 4506-T Indicator** | **Borrower Asset Verification** | **Borrower Assets** | **Shared Appreciation Mortgage Flag** | **Borrower Credit Line Usage Ratio** | **Borrower Credit Report: Longest Trade Line** | **Borrower Credit Report: Maximum Trade Line** | **Borrower Credit Report: Number of Trade Lines** | **Borrower Date Of Birth** | **Borrower Employer** | **Borrower Employment Description** | **Borrower Employment Indicator** | **Borrower Employment Length** | **Borrower Employment Verification** | **Borrower Ethnicity** | **Borrower FICO: Original** | **Borrower FICO: Date Original** | **Borrower FICO: Equifax Original** | **Borrower FICO: Experian Original** | **Borrower FICO: Trans Union Original** | **Borrower FICO: Model Original** | **Borrower FICO: Qualifying** | **Borrower First-Time Home Buyer** | **Borrower Foreign National Flag** | **Borrower Gender** | **Borrower Identification Number** | **Borrower Income Wage** | **Borrower Income Other** | **Borrower Income Total** | **Borrower Income Verification Level** | **Borrower Liquid / Cash Reserves** | **Borrower Months Reserves** | **Borrower Mailing Address** | **Borrower Mailing City** | **Borrower Mailing State** | **Borrower Mailing Zip** | **Borrower Months Bankruptcy** | **Borrower Months Foreclosure** | **Borrower Name: First** | **Borrower Name: Last** | **Borrower Number Of Mortgaged Properties** | **Borrower Prior Bankruptcy Discharge Date** | **Borrower Prior Foreclosure Date** | **Borrower Qualification Method** | **Borrower Race** | **Borrower Relocation Indicator** | **Borrower Self-Employment Flag** | **Borrower Social Security Number** | **Borrower Foreign National Indicator** | **Borrower Years In Home** | **Borrower Years In Field** | **Borrowers Monthly Debt All** | **Co-Borrower Asset Verification** | **Co-Borrower Date Of Birth** | **Co-Borrower Employer** | **Co-Borrower Employment Description** | **Co-Borrower Employment Indicator** | **Co-Borrower Employment Length** | **Co-Borrower Employment Verification** | **Co-Borrower Ethnicity** | **Co-Borrower FICO: Original** | **Co-Borrower FICO: Date Original** | **Co-Borrower FICO: Equifax Original** | **Co-Borrower FICO: Experian Original** | **Co-Borrower FICO: Trans Union Original** | **Co-Borrower FICO: Current** | **Co-Borrower FICO: Date Current** | **Co-Borrower Gender** | **Co-Borrower Income Wage** | **Co-Borrower Income Other** | **Co-Borrower Income Total** | **Co-Borrower Income Verification Level** | **Co-Borrower Mailing Address** | **Co-Borrower Mailing City** | **Co-Borrower Mailing State** | **Co-Borrower Mailing Zip** | **Co-Borrower Name: First** | **Co-Borrower Name: Last** | **Co-Borrower Race** | **Co-Borrower Self-Employment Flag** | **Co-Borrower Social Security Number** | **Co-Borrower Foreign National Indicator** | **Co-Borrower Years In Field** | **Combined Borrower Income Other** | **Combined Borrower Income Total** | **Combined Borrower Income Wage** | **Mortgage Amortization Type** | **Mortgage ARM Fully Indexed Rate** | **Mortgage ARM Gross Margin** | **Mortgage ARM Index Type** | **Mortgage ARM Initial Fixed Rate Period** | **Mortgage ARM Initial Interest Rate Cap (Change Down)** | **Mortgage ARM Initial Interest Rate Cap (Change Up)** | **Mortgage ARM Lifetime Maximum Rate (Ceiling)** | **Mortgage ARM Lifetime Minimum Rate (Floor)** | **Mortgage ARM Look-Back Days** | **Mortgage ARM Rounding Factor** | **Mortgage ARM Rounding Method** | **Mortgage ARM Periodic Interest Rate Cap (Change Down)** | **Mortgage ARM Periodic Interest Rate Cap (Change Up)** | **Mortgage ARM Periodic Interest Rate Reset Period** | **Mortgage Balance Junior Mortgage** | **Mortgage Balance Original Loan Amount** | **Mortgage Balloon Flag** | **Mortgage Broker Flag** | **Mortgage Broker Name** | **Mortgage Buy Down Description** | **Mortgage Buy Down Period** | **Mortgage Cash Out Amount** | **Mortgage Cash Out Use** | **Mortgage Cash Out Texas** | **Mortgage Cash To/From Brrw At Closing** | **Mortgage Convertible Flag** | **Mortgage Covered/High Cost Loan Indicator** | **Mortgage Current LPMI Rate** | **Mortgage Current Note Interest Rate** | **Mortgage Current Payment Amount Due** | **Mortgage Current Payment Other Amount Due** | **Mortgage Current Payment Taxes & Insurance** | **Mortgage Escrow Indicator** | **Mortgage First Payment Date Of Loan** | **Mortgage First Period Maximum Rate** | **Mortgage First Period Minimum Rate** | **Mortgage Insurance Certificate Number** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **Mortgage Insurance Lender Or Borrower Paid?** | **Mortgage Insurance Coverage Plan Type** | **Mortgage Interest Only Flag** | **Mortgage Interest Only Term** | **Mortgage Interest Type Indicator** | **Mortgage Interest Rate Type** | **Mortgage Lien Position** | **Mortgage Loan Purpose** | **Mortgage Loan Type** | **Mortgage Maturity Date** | **Mortgage Negam Flag** | **Mortgage Occupancy** | **Mortgage Option ARM Current Minimum Payment** | **Mortgage Option ARM Indicator** | **Mortgage Option ARM Initial Minimum Payment** | **Mortgage Option ARM Initial Minimum Payment Reset Period** | **Mortgage Option ARM Initial Negative Amortization Recast Period** | **Mortgage Option ARM Initial Periodic Payment Cap** | **Mortgage Option ARM Negative Amortization Limit** | **Mortgage Option ARM Subsequent Minimum Payment Reset Period** | **Mortgage Option ARM Subsequent Negative Amortization Recast Period** | **Mortgage Option ARM Subsequent Payment Reset Period** | **Mortgage Option ARM Subsequent Periodic Payment Cap** | **Mortgage Options At Recast** | **Mortgage Original Amortization Term** | **HOA Flag** | **Mortgage Original Appraisal Comments** | **Mortgage Original Appraisal Company** | **Mortgage Original Appraised Property Value** | **Mortgage Original Appraiser License Number** | **Mortgage Original Appraiser Name** | **Mortgage Original Appraisal Valuation Date** | **Mortgage Original Appraisal Valuation Type** | **AVM Vendor** | **Mortgage Original AVM Model** | **Mortgage Original AVM Confidence Score** | **FSD Score** | **Mortgage Original AVM Value** | **Mortgage Original Appraisal Comments - 2** | **Mortgage Original Appraisal Company - 2** | **Mortgage Original Appraised Property Value - 2** | **Mortgage Original Appraiser License Number - 2** | **Mortgage Original Appraiser Name - 2** | **Mortgage Original Appraisal Valuation Date - 2** | **Mortgage Original Appraisal Valuation Type - 2** | **Mortgage Original AVM Model - 2** | **Mortgage Original AVM Confidence Score - 2** | **Mortgage Original AVM Value - 2** | **Refinance Recent Purchase Price** | **Mortgage Original HLTV** | **Mortgage Original LTV** | **Mortgage Original Note Interest Rate** | **Mortgage Original Payment Amount Due** | **Mortgage Original Payment Other Amount Due** | **Mortgage Original Payment Taxes & Insurance** | **Mortgage Original Pledged Assets** | **Mortgage Original Term To Maturity** | **Mortgage Origination Channel** | **Mortgage Origination Date** | **Mortgage Originator Documentation Type** | **Mortgage Originator DTI Back** | **Mortgage Originator DTI Front** | **Mortgage Percentage Of Down Payment From Borrower Own Funds** | **Mortgage Prepayment Penalty Flag** | **Mortgage Prepayment Penalty Calculation** | **Note Prepayment Penalty UPB Threshold Used** | **Mortgage Prepayment Penalty Hard Term** | **Mortgage Prepayment Penalty Total Term** | **Mortgage Prepayment Penalty Type** | **Mortgage Product Type** | **Mortgage Property Type** | **Number of Units** | **Mortgage Property Value Original** | **Mortgage Property Value Most Recent** | **Mortgage Property Value Date Most Recent** | **Mortgage Property Value Type Most Recent** | **Mortgage Sales Price** | **Mortgage ACH / AutoPay Flag** | **Mortgage Subject Property Address** | **Mortgage Subject Property City** | **Mortgage Subject Property State** | **Mortgage Subject Property Zip** | **Mortgage Total Number Of Borrowers** | **Mortgage Total Origination And Discount Points** | **Mortgage Senior Lien Loan Amount** | **Mortgage HELOC Draw Period** | **Mortgage Senior Lien Loan Type** | **Mortgage Senior Lien Hybrid Period** | **Mortgage Senior Lien NegAm Limit** | **Mortgage Senior Lien Origination Date** | **Mortgage Underwriting Exception Flag** | **MOM Flag** | **MERSLoanID** | **Modification Flag** | **Modification Date** | **Modification Type** | **Modification Trial Start Date** | **Modification Effective Payment Date** | **Modification Forgiven Interest Amount** | **Modification Forgiven Principal Amount** | **Mortgage Modification Total Capitalized Amount** | **Mortgage Modification Total Deferred Amount** | **Number Of Modifications** | **Mortgage Modification Updated DTI Back** | **Mortgage Modification Updated DTI Front** | **Pre-Modification I/O Term** | **Pre-Modification Initial Interest Rate Change Downward Cap** | **Pre-Modification Interest (Note) Rate** | **Pre-Modification Next Interest Rate Change Date** | **Pre-Modification P&I Payment** | **Pre-Modification Subsequent Interest Rate Cap** | **Application Date** | **Represented Loan Designation** | **Loan Designation** | **Safe Harbor** | **Overall Loan Grade** | **Flood Zone Designation** | **Flood Coverage Amount** | **Flood Policy Effective Date** | **Flood Expiration Date** | **Flood Policy #** | **Flood Coverage Indicator** | **Flood Payment Type** | **Flood Lender Placed** | **Co-Borrower 3 Name: First** | **Co-Borrower 3 Name: Last** | **Co-Borrower 3 Asset Verification** | **Co-Borrower 3 Employment Description** | **Co-Borrower 3 Employment Indicator** | **Co-Borrower 3 Employment Length** | **Co-Borrower 3 Employment Verification** | **Co-Borrower 3 Self-Employment Flag** | **Co-Borrower 3 FICO: Original** | **Co-Borrower 3 FICO: Equifax Original** | **Co-Borrower 3 FICO: Experian Original** | **Co-Borrower 3 FICO: Trans Union Original** | **Co-Borrower 3 Income Wage** | **Co-Borrower 3 Income Other** | **Co-Borrower 3 Income Total** | **Co-Borrower 3 Income Verification Level** | **Co-Borrower 3 Social Security Number** | **Co-Borrower 3 Foreign National Indicator** | **Co-Borrower 4 Name: First** | **Co-Borrower 4 Name: Last** | **Co-Borrower 4 Asset Verification** | **Co-Borrower 4 Self-Employment Flag** | **Co-Borrower 4 Employment Description** | **Co-Borrower 4 Employment Indicator** | **Co-Borrower 4 Employment Length** | **Co-Borrower 4 Employment Verification** | **Co-Borrower 4 FICO: Original** | **Co-Borrower 4 FICO: Equifax Original** | **Co-Borrower 4 FICO: Experian Original** | **Co-Borrower 4 FICO: Trans Union Original** | **Co-Borrower 4 Income Wage** | **Co-Borrower 4 Income Other** | **Co-Borrower 4 Income Total** | **Co-Borrower 4 Income Verification Level** | **Co-Borrower 4 Social Security Number** | **Co-Borrower 4 Foreign National Indicator** | **GSE Eligible Flag** | **Rate Lock Date** | **Calculated APR** | **Qualifying Rate** | **Residual Income** | **Benchmark Rate** | **ATR/QM Total Points and Fees Audit** | **Universal Loan ID** | **Shared Appreciation Percentage** | **Non-QM Reason** | **TPOL Issuer** | **Settlement Agent Name** | **Settlement Agent Address** | **Settlement Agent Business Phone** | **Settlement Agent Email** | **Guideline Name** | **AUS Decision System** | **Rating Result** | **DSCR Calculation Method** | **DSCR Rental Income** | **DSCR Rental Income Source** | **Actual In Place Rent** | **Estimated Market Rent** | **Appraisal Occupancy** | **Reason for Vacancy** | **Cross Collat Flag** | **Cross Collat Number of Properties** | **Short Term Rental Flag** | **DSCR at Orign** | **PITIA** | **Orign PITIA** | **Orign Tax Pmt** | **Orign Hazard Pmt** | **Orign HOA Pmt** | **DSCR Income Qualified** | **DSCR Debt Qualified** | **Personal Guarantee Flag** | **Guaranteed Percentage** | **Primary Borrower Type** | **Vested Business Entity Name** | **ITIN Flag** | **Property Lease Flag** | **HELOC Flag** | **HELOC Status** | **HELOC Program** | **HELOC Draw Flag** | **HELOC Line Frozen Flag** | **HELOC Line Frozen Type** | **HELOC Line Frozen Reason** | **HELOC Rem Draw Term** | **HELOC Orign Drawn Term** | **HELOC Rem Available Draw** | **HELOC Draw Expiry Date** | **HELOC Limit** | **Orign HELOC Limit** | **HELOC Max Utilization Rate** | **HELOC Most Recent Draw Date** | **HELOC Most Recent Draw Amount** | **HELOC Fixed Rate Loan Option Flag** | **LTV** | **Combined LTV** | **Orign LTV** | **Orign Combined LTV** | **Orign Drawn LTV** | **Orign Drawn Combined LTV** | **Drawn LTV** | **Drawn Combined LTV** | **HELOC Minimum Advance** | **Senior Loan Prin Bal** | **Buydown Active Flag** | **Buydown Term** | **Buydown Frequency** | **Buydown Contributor** | **Buydown Increase Rate** | **Buydown Initial Discount** | **Borrower Mortgage Rate** |
| XXX | 2018677 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  |  | XXX |  |  | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 2%, 1% |  |  | 24 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.57 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018663 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.35 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1880368 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  |  | XXX |  |  | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.13 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1880419 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  | 4 |  |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | XXX | XXX | XXX | 1 |  |  |  |  | XXX | XXX |  | 99 | XXX | XXX |  | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  |  | XXX |  |  | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.09 | 0.09 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 1 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 2 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.97 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1952043 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.37 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018675 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.16 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018646 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  | 21 | 0.92 |  | XXX |  |  |  |  |  |  |  |  |  |  |  | 0.40 | 0.40 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.18 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018667 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  | 4 | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | XXX | XXX | XXX | 1 |  |  |  |  | XXX | XXX |  | 99 | XXX | XXX |  | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 1 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 2 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.02 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018673 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.34 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018638 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  | 4 | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | XXX | XXX | XXX | 1 |  |  |  |  | XXX | XXX |  | 99 | XXX | XXX |  | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 1 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.23 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018641 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.59 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018666 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.10 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018644 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.56 | 0.56 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.02 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018664 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 9 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.59 | 0.59 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.03 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018635 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.01 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018633 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  | 4 | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | XXX | XXX | XXX | 1 |  |  |  |  | XXX | XXX |  | 99 | XXX | XXX |  | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 2%, 1% |  |  | 24 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.21 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018660 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  | 21 | 0.95 |  | XXX |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018642 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 9 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.24 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018654 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 1 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 2%, 1% |  |  | 24 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 2.56 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018655 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.42 | 0.42 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.58 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018650 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.06 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018657 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.37 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018634 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.52 | 0.52 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.05 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018643 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 9 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.06 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018637 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 9 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.53 | 0.53 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Short Term Rent (12mo avg) | XXX | XXX | XXX | XXX | 0 |  | 1 | 1.27 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018632 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.58 | 0.58 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 1% |  |  | 12 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.19 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018662 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 1% |  |  | 12 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.22 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018651 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  | XXX |  | XXX | XXX | XXX | XX/XX/XXXX |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.63 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018652 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 2.01 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018678 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  |  | XXX |  |  | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.09 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018672 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 1 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 2 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.28 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018671 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.61 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018668 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  | 4 | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | XXX | XXX | XXX | 1 |  |  |  |  | XXX | XXX |  | 99 | XXX | XXX |  | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  | XXX | XXX | 4 |  | Not Applicable |  | 1 | 99 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.52 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018670 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  | 4 | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | XXX | XXX | XXX | 1 |  |  |  |  | XXX | XXX |  | 99 | XXX | XXX |  | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  | XXX | XXX | 4 |  | Not Applicable |  | 1 | 99 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.72 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018636 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.44 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018639 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.61 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018647 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 2.35 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018661 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.22 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018658 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.61 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018665 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.02 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018656 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.12 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018674 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.79 | 0.79 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018653 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX |  | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.80 | 0.80 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.25 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018676 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.11 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018659 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.44 | 0.44 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.32 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018631 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  | 4 | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX |  | XX/XX/XXXX |  | XXX | XXX | XXX | 1 |  |  |  |  | XXX | XXX |  | 99 | XXX | XXX |  | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 2%, 1% |  |  | 24 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.06 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018640 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.07 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018645 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.11 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018649 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX |  | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.70 | 0.70 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 1% |  |  | 12 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.11 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018629 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.13 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018630 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.25 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018669 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.64 | 0.64 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.00 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018648 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 3%, 2%, 1% |  |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.76 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2018679 | XXX |  | XXX | XXX | XXX |  |  |  | Not Applicable | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 0 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 4 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.36 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2016885 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  |  | XXX |  |  | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 06 Months Interest |  |  | 12 | 1 | 7/6 ARM | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Short Term Rent (12mo avg) | XXX | XXX | XXX | XXX | 0 |  | 1 | 1.72 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX | XXX | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2016886 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | Not Applicable | 4 | XXX | 0 | XXX | XXX | XXX | XXX |  |  |  | Not Applicable |  | 1 |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX |  |  | XXX | XXX | XXX | 1 | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  |  | 1 |  | No | 99 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  | XXX | XXX | XXX | XXX | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  |  | XXX |  |  | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.59 | 0.59 | XXX | XXX | XXX | XXX |  | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 06 Months Interest |  |  | 12 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX | XXX | 0 |  | 0 | 1.07 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1680663 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  | XXX | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 98 | XXX | No | 0 | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  |  |  |  |  | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 1 | 120 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.77 | 0.77 | XXX | XXX | XXX | XXX | 0 | 480 | 1 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 5%, 5%, 5%, 5%, 5% | Original Principal Balance |  | 60 | 1 | 40 Year Fixed IO | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  | 0 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX | XXX |  | XX/XX/XXXX | XXX |  | Annually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  | XXX |  |  |  | XXX | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.17 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1680666 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  | XXX | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 1 | XXX | No | 0 | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  |  |  |  |  | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.65 | 0.65 | XXX | XXX | XXX | XXX | 0 | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 5%, 5%, 5% | Original Principal Balance |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 1 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 2 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  | XXX |  |  |  | XXX | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.87 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1677576 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  | XXX | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1 | XXX |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 1 | XXX | No | 0 | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  |  |  |  |  | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.65 | 0.65 | XXX | XXX | XXX | XXX | 0 | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 5%, 5%, 5% | Original Principal Balance |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report |  | 0 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 1 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 2 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  | XXX |  |  |  | XXX | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | Lease Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.91 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1686362 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  | XXX | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 1 | XXX | No | 0 | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  |  |  |  |  | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX | 0 | 360 | 2 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 5%, 5%, 5% | Original Principal Balance |  | 36 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 1 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 2 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  | XXX |  |  |  | XXX | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.33 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX |  | XXX | 1 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1778538 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  | XXX | XXX |  | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 1 | XXX | No | 0 | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  |  |  |  |  | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX | 0 | 360 | 1 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 5% 5% 5% 5% 5% | Original Principal Balance |  | 60 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  | XXX |  |  |  | XXX | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.40 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 1689179 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | No | 1 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  | XXX | XXX |  | 1 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 1 | XXX | No | 0 | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 0 |  |  |  | XXX | Cash Out Other |  | XXX | 0 | 99 |  |  |  |  |  | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 3 | DSCR | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 0 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.75 | 0.75 | XXX | XXX | XXX | XXX | 0 | 360 | 1 | XX/XX/XXXX | Debt Service Coverage Ratio | XXX | XXX |  | 1 | 5% 5% 5% 5% 5% | Original Principal Balance |  | 60 | 1 | 30 Year Fixed | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  | 1 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  | XXX |  |  |  | XXX | 0 |  |  |  |  |  |  | XXX |  |  | Rental Income / PITIA | XXX | 100% Market Rent | XXX | XXX | XXX |  | 0 |  | 0 | 1.34 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Full Recourse | XXX |  | XXX | 0 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |
| XXX | 2016912 | XXX |  | XXX | XXX | XXX | XXX | XXX |  | Yes | 4 | XXX | 0 | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Classic | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 4 | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | 1 | XXX | No | 0 | XXX | XXX |  | XXX | XXX | 4 | XX/XX/XXXX | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | 3 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | No | 1 | XXX |  |  |  |  |  | XXX | 0 | 0 |  |  |  |  |  | 4 | XX/XX/XXXX |  |  |  |  |  |  |  | 0 | 0 | 2 | 2 | 1 | 7 | Conventional | XX/XX/XXXX | 0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 1 |  | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.710500 | 0.710500 | XXX | XXX | XXX | XXX | 0.00 | 360 | 2 | XX/XX/XXXX | 1YR Full Doc | XXX | XXX | 1.000000 | 0 | No Prepayment Penalty |  |  |  |  | 30 Year Fixed | XXX | XXX | XXX |  |  | 1073 Individual Condo Report | XXX | 0 | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  | 0 | Yes | XXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | 0 | 1 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XX/XX/XXXX |  | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  | XXX | Manual Underwriting |  |  |  |  |  |  |  |  | 0 |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |

---

## Exhibit 99.9

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.09**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXX | 2018677 | XXX | 8/30/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX. Deed transfering ownership to XXX a different entity. | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | 20250131: Documentation provided for "XXX". Deed is transferring ownership of the property to "XXX", which has not been verified or included in the transaction. Please provide documentation for "XXX"<br> 20250116: Deed is transferring ownership of the property to XXX, which has not been verified or included in the transaction. Please provide evidence of a connection between this LLC and the borrower with entity documentation |  | Cleared | 3/17/2025 | D A |
| XXX | XXX | 2018663 | XXX | 11/21/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/17/2025 | D A |
| XXX | XXX | 1880368 | XXX | 7/30/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/30: Clear | 20240730: Clear |  | Cleared | 7/30/2024 | A |
| XXX | XXX | 1880419 | XXX | 8/8/2024 | Credit | Loan Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 8/8: Waived per XXX | 20240808: Waived per XXX | FICO XXX, LTV 9.13%, XXX months reserves | Acknowledged | 8/8/2024 | B |
| XXX | XXX | 1880419 | XXX | 8/8/2024 | Credit | Insurance | Hazard Insurance Missing or Defective | Missing replacement cost estimate for the subject unit to determine the dwelling coverage amount. Master policy replacement cost estimate in file, missing individual unit replacement cost estimate. | 8/9 XXX: The Master RCE is sufficient. The building itself is covered by the Master Policy; the individual policy has no dwelling coverage as it is simply walls-in. | 20240809: Rescind. Confirmed walls-in coverage |  | Cleared | 8/9/2024 | D A |
| XXX | XXX | 1880419 | XXX | 8/8/2024 | Credit | Closing Documentation | Borrower Occupancy Certification/Affidavit Missing or Defective | Missing business purpose attestation | 8/9 XXX: See attached Business Purpose Affidavit. | 20240809: Received business purpose affidavit |  | Cleared | 8/9/2024 | D A |
| XXX | XXX | 1952043 | XXX | 10/18/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/18: Clear | 20241018: Clear |  | Cleared | 10/18/2024 | A |
| XXX | XXX | 2018675 | XXX | 10/8/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing executed conveyance deed from XXX to XXX | 1/9: Deed of Conveyance | 20250109: Received deed |  | Cleared | 1/9/2025 | D A |
| XXX | XXX | 2018646 | XXX | 11/11/2024 | Credit | Closing Documentation | Closing Protection Letter Missing or Defective | Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after XXX. | 11/29 XXX: please see attached | 20241205: Received |  | Cleared | 12/5/2024 | C A |
| XXX | XXX | 2018646 | XXX | 11/11/2024 | Credit | Title/Lien | Title Insurance Missing or Defective | Title supplemental report in file is missing mortgagee clause after lender's name and coverage amount. Please provide updated title insurance policy with ISAOA/ATIMA verbiage. | 12/12 XXX: Please see attached.<br> 11/13: Hello, we have verified that this is not a requirement in the guidelines provided. They read as such "ISAOA missing from the preliminary title policy or closing protection letter is acceptable". | 20241212: Received final title<br> 20241113: XXX requires ISAOA language on all title policies |  | Cleared | 12/12/2024 | D A |
| XXX | XXX | 2018667 | XXX | 11/15/2024 | Property | Application/Processing | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area. Please provide exterior inspection following post disaster guideline requirements. | 11/26: PDI | 20241126: PDI not completed by original appraiser, waived per XXX | FICO XXX, DSCR 1.02, 0x30x12 | Acknowledged | 11/26/2024 | D B |
| XXX | XXX | 2018667 | XXX | 11/15/2024 | Credit | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause and lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after Lender's name | 1/14 XXX: Please see attached policy that was provided in initial upload. The mortgagee clause lists XXX on page 3 under the additional interests section, along with the ISAOA/ATIMA verbiage. | 20250114: Received |  | Cleared | 1/14/2025 | C A |
| XXX | XXX | 2018673 | XXX | 11/18/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 11/18: Clear | 20241118: Clear |  | Cleared | 11/18/2024 | A |
| XXX | XXX | 2018638 | XXX | 11/19/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 12/3 XXX: Please see attached copy of the deed | 20241205: Received |  | Cleared | 12/5/2024 | D A |
| XXX | XXX | 2018638 | XXX | 11/19/2024 | Credit | Title/Lien | Title Insurance missing or Defective | Title Commitment Schedule A Item 1(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name | 1/14: please see attached doc XXX 1.14 | 20250115: Received |  | Cleared | 1/15/2025 | C A |
| XXX | XXX | 2018666 | XXX | 11/26/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 1/14: deed of conveyance | 20250114: Received |  | Cleared | 1/14/2025 | D A |
| XXX | XXX | 2018664 | XXX | 11/26/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum insurance required | 1/21 XXX-please see attached | 20250121: Received |  | Cleared | 1/21/2025 | C A |
| XXX | XXX | 2018641 | XXX | 11/26/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 1/16 XXX: Please see attached deed | 20250116: Received |  | Cleared | 1/16/2025 | D A |
| XXX | XXX | 2018644 | XXX | 11/26/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 1/16 XXX: Please see attached deed | 20250116: Received |  | Cleared | 1/16/2025 | D A |
| XXX | XXX | 2018635 | XXX | 11/27/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 1/9: Warranty Deed | 20250109: Received deed |  | Cleared | 1/9/2025 | D A |
| XXX | XXX | 2018660 | XXX | 12/2/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX and XXX to XXX | 1/16 XXX: Please see attached. | 20250116: Received |  | Cleared | 1/16/2025 | D A |
| XXX | XXX | 2018642 | XXX | 12/2/2024 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after lender's name | 01/08 XXX: Please see attached.<br> 12/31 XXX: Is this pertaining to the Master Policy or HO-6 policy? | 20240109: Received updated HO6 policy<br> 20241231: Apologies, this is referring to the HO6 policy |  | Cleared | 1/9/2025 | C A |
| XXX | XXX | 2018633 | XXX | 12/2/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX, XXX and XXX to XXX and XXX | 1/16 XXX: Please see attached. | 20250116: Received |  | Cleared | 1/16/2025 | D A |
| XXX | XXX | 2018654 | XXX | 12/2/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/2: Clear | 20241202: Clear |  | Cleared | 12/2/2024 | A |
| XXX | XXX | 2018655 | XXX | 12/2/2024 | Credit | Closing Documentation | Closing Protection Letter Missing or Defective | Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after XXX | 12/12 XXX: Please see attached CPL | 20241212: Received |  | Cleared | 12/12/2024 | D A |
| XXX | XXX | 2018655 | XXX | 12/2/2024 | Credit | Insurance | Flood Insurance Missing or Defective | Insufficient flood insurance: FEMA has not completed a study to determine flood hazard for the selected location; therefore, a flood map has not been published at this time. You can contact your community or the FEMA FMIX for more information about flood risk and flood insurance in your community. | 12/19 XXX - "None" is a valid flood zone according to FEMA. The flood zone is categorized as "None" because the community does not participate in the National Flood Insurance Program. We are not able to confirm a different flood zone because the flood zone is "none". Fannie Mae does not require flood insurance for these properties.<br> 12/16 XXX - Per Fannie Mae B7-3-06, flood insurance is only required when property is located in a Special Flood Hazard Area (SFHA), a Coastal Barrier Resources System (CBRS) or Otherwise Protected Area (OPA). This property is not located in any of these. | 20250115: Rescinded via meeting<br> 20241220: FNMA requires the lender to determine if the property is located in a flood zone. Please escalate to XXX for approval<br> 20241216: Flood cert in file does not assign a flood zone for the property. Please provide an eligible flood cert determining the property flood zone. |  | Cleared | 1/15/2025 | C A |
| XXX | XXX | 2018657 | XXX | 12/5/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 1/8 XXX: Please see attached deed | 20250109: Received deed |  | Cleared | 1/9/2025 | D A |
| XXX | XXX | 2018650 | XXX | 12/5/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX and XXX to XXX | 1/16 XXX: Please see attached. | 20250116: Received |  | Cleared | 1/16/2025 | D A |
| XXX | XXX | 2018634 | XXX | 12/6/2024 | Credit | Title/Lien | Minimum Loan Amount Not Met | Insufficient Title Insurance $XXX Title Insurance Coverage < $XXX Minimum Required. | 01/17 XXX: Please see endorsement and email chain from Title with the Policy Number matching.<br> 01/10 XXX: Please see attached. | 20250117: Title endorsement received<br> 20250110: Received updated title insurance coverage. Title policy provided missing mortgagee clause |  | Cleared | 1/17/2025 | C A |
| XXX | XXX | 2018643 | XXX | 12/9/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance Coverage < $ XXX Minimum Required. | 1/16: please see attached doc XXX 1.16 | 20250116: Received |  | Cleared | 1/16/2025 | C A |
| XXX | XXX | 2018637 | XXX | 12/9/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance Coverage < $XXX Minimum Required. | 12/30 XXX-please see attached and clear. Thank You | 20241230: Received |  | Cleared | 12/30/2024 | C A |
| XXX | XXX | 2018637 | XXX | 12/9/2024 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance preliminary policy is missing annual premium, unable to calculate DSCR | 1/10 XXX: Please see attached policy that shows the incorrect mortgagee but the policy numbers are the same and lists the annual premium amount. | 20250110: Received updated HOI |  | Cleared | 1/10/2025 | C A |
| XXX | XXX | 2018632 | XXX | 12/9/2024 | Credit | Closing Documentation | Closing Protection Letter Missing or Defective | Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage. | 12/16 XXX: please see attached | 20241217: Received |  | Cleared | 12/17/2024 | D A |
| XXX | XXX | 2018652 | XXX | 12/10/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance Coverage < $XXX Minimum Required. | 1/3 XXX-please see attached and clear. Thank You | 20250106: Received updated title |  | Cleared | 1/6/2025 | C A |
| XXX | XXX | 2018662 | XXX | 12/10/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance Coverage < $XXX Minimum Required. | 1/6 XXX-please see attached and clear. Thank You | 20250106: Received updated title |  | Cleared | 1/6/2025 | C A |
| XXX | XXX | 2018651 | XXX | 12/10/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 1/8 XXX: attached | 20250109: Received deed |  | Cleared | 1/9/2025 | D A |
| XXX | XXX | 2018678 | XXX | 9/11/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/11: Clear | 20240911: Clear |  | Cleared | 9/11/2024 | A |
| XXX | XXX | 2018672 | XXX | 10/7/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (XXX). Please provide exterior inspection following post disaster guideline requirements. | 10/18: PDI | 20241021: Waived via email | DSCR 1.28, FICO XXX, XXX months reserves | Acknowledged | 10/21/2024 | C B |
| XXX | XXX | 2018671 | XXX | 10/29/2024 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 2/17: please see attached doc XXX 2.17<br> 11/5: please see attached doc XXX 11.05 | 20250217: Received adequate title coverage<br> 20241105: Document provided is blank |  | Cleared | 2/17/2025 | C A |
| XXX | XXX | 2018668 | XXX | 11/1/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/6/2025 | D A |
| XXX | XXX | 2018670 | XXX | 11/6/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 2018670 | XXX | 11/6/2024 | Credit | Credit Eligibility | Significant Derogatory Credit Event – Requirement Not Met | Background check reflects possible forclosure activity dated XX/XX/XXXX For Guarantor 1 : XXX | 20241113: XXX - Per credit report, borrower opened the mortgage on this property on XX/XX/XXXX, it would not have been eligible to be foreclosed on yet. Additionally, credit report reflects 0 lates and mortgage statement shows no deferred payments or anything indicating foreclosure. Additionally borrower still owns the property today. | 20241113: Rescinded |  | Cleared | 11/13/2024 | C A |
| XXX | XXX | 2018670 | XXX | 11/6/2024 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing executed Operating Agreement & Corporate resolution for XXX | 20241113: XXX - See attached operating agreement | 20241113: Received |  | Cleared | 11/13/2024 | D A |
| XXX | XXX | 2018636 | XXX | 11/18/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 1/30: Deed | 20250130: Received |  | Cleared | 1/30/2025 | D A |
| XXX | XXX | 2018658 | XXX | 11/21/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX overlay |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 2018647 | XXX | 11/19/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX overlay |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 2018665 | XXX | 11/21/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 11/21: Clear | 20241121: Clear |  | Cleared | 11/21/2024 | A |
| XXX | XXX | 2018639 | XXX | 11/21/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum insurance required | 20241122: Received | 20241122: Received |  | Cleared | 11/22/2024 | C A |
| XXX | XXX | 2018639 | XXX | 11/21/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 2/6: Please see attached Deed | 20250206: Received conveyance deed |  | Cleared | 2/6/2025 | D A |
| XXX | XXX | 2018661 | XXX | 11/21/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | 20250307: Received XXX overlay |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 2018674 | XXX | 11/25/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX, to XXX | 3/7: XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | 20250307: Received XXX overlay |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 2018656 | XXX | 11/25/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | 3/7: XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | 20250307: Received XXX overlay |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 2018653 | XXX | 11/26/2024 | Credit | Title/Lien | Title Insurance missing or Defective | Title Commitment Schedule A Item 2(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name | XXX 2.26.2025 - Please see attached XXX. Language after lender's name: "and each successor and/or assign that is defined as an Insured in the Conditions of the Policy." | 20250310: Received |  | Cleared | 3/10/2025 | C A |
| XXX | XXX | 2018653 | XXX | 11/26/2024 | Credit | Closing Documentation | Closing Protection Letter Missing or Defective | Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after lender name | 12/12 XXX - See attached CPL | 20241212: Received |  | Cleared | 12/12/2024 | C A |
| XXX | XXX | 2018676 | XXX | 11/26/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing executed conveyance deed from XXX and XXX. | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 2018653 | XXX | 11/26/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX and XXX to XXX | 1/27 XXX - See attached deed | 20250127: Received deed |  | Cleared | 1/27/2025 | D A |
| XXX | XXX | 2018659 | XXX | 11/27/2024 | Credit | Title/Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | 1/30: Final Title Policy | 20250130: Received |  | Cleared | 1/30/2025 | C A |
| XXX | XXX | 2018631 | XXX | 12/3/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/3: Clear | 20241203: Clear |  | Cleared | 12/3/2024 | A |
| XXX | XXX | 2018640 | XXX | 12/6/2024 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is policy number. Please provide the updated hazard insurance | 2/17: please see attached doc XXX 2.17 subject property is a condo | 20250217: Received |  | Cleared | 2/17/2025 | C A |
| XXX | XXX | 2018640 | XXX | 12/5/2024 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum insurance required | 12/24 XXX-please see attached and clear. Thank You | 20241224: Received |  | Cleared | 12/24/2024 | C A |
| XXX | XXX | 2018649 | XXX | 12/6/2024 | Credit | Closing Documentation | Closing Protection Letter Missing or Defective | Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after XXX | 12/11 XXX: Please see attached CPL | 20241212: Received |  | Cleared | 12/12/2024 | C A |
| XXX | XXX | 2018649 | XXX | 12/6/2024 | Credit | Title/Lien | Title Insurance Missing or Defective | Title Commitment Schedule A Item 2(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name XXX | 2/17 XXX: Please see attached document that shows title is in Fee Simple<br> 12/16: title commitment<br> 12/11 XXX: Please see attached title commitment | 20250217: Received fee simple title<br> 20241216: The interest in the land is Leasehold, which is ineligible per guidelines<br> 20241212: Received ISAOA verbiage. The interest in the land is Leasehold, which is ineligible per guidelines |  | Cleared | 2/17/2025 | C A |
| XXX | XXX | 2018649 | XXX | 12/6/2024 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease agreement Unit 1 & 2 for subject property located at: XXX | 12/10 XXX: Please see attached lease agreements for the property. | 20241211: Received |  | Cleared | 12/11/2024 | D A |
| XXX | XXX | 2018645 | XXX | 12/6/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/6: Clear | 20241206: Clear |  | Cleared | 12/6/2024 | A |
| XXX | XXX | 2018640 | XXX | 12/6/2024 | Credit | Project Documentation | Condo Questionnaire Missing or Defective | Missing condo questionnaire for subject property | 12/11 XXX - A letter letter from the HOA confirming (1) if the subject project is managed as a hotel or motel, is a houseboat, or is a timeshare or segmented ownership project, (2) any deferred maintenance within the project (if there is deferred maintenance, provide what it is for and whether it affects the safety, soundness, structural integrity, or habitability of the project), and (3) any special assessments within the project (if there are special assessments, provide total amount, reason, if it is included in regular HOA fee, current reserve account balance, year-to date budgeted amount, and year-to-date actual amount collected), is acceptable in lieu of questionnaire. See attached. | 20241212: Received limited review responses |  | Cleared | 12/12/2024 | D A |
| XXX | XXX | 2018669 | XXX | 12/9/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance Coverage < $XXX Required. | 1/3: please see attached doc XXX 01.02 | 20250103: Received |  | Cleared | 1/3/2025 | C A |
| XXX | XXX | 2018669 | XXX | 12/9/2024 | Property | Flood Certificate | Flood Certificate Missing or Defective | Flood certification shows a flood zone of AE. Please provide flood insurance. | 12/16: please see attached doc XXX 12.16<br> 2/4: Please see the attached policy. | 20241216: Flood cert received. Please provide evidence of flood insurance as property is in Flood Zone AE<br> 2/4: Received flood insurance |  | Cleared | 2/4/2025 | D A |
| XXX | XXX | 2018648 | XXX | 12/9/2024 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance missing policy number | 2/27: Please see attached HOI Policy with the invoice that has an invoice number listed on the document. A policy number is also not required on the policy. | 20250227: Rescinded |  | Cleared | 2/27/2025 | C A |
| XXX | XXX | 2018630 | XXX | 12/9/2024 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance is missing premium amount and mortgagee clause after lender's name unable to calculate DSCR | 2/27: Please see attached HOI policy that has multiple properties on the policy. There is also an invoice that breakdown the dwelling with premium amount. | 20250227: Received hazard insurance policy |  | Cleared | 2/27/2025 | C A |
| XXX | XXX | 2018629 | XXX | 12/9/2024 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance is missing premium amount unable to calculate DSCR | 2/27: Please see attached HOI policy that has multiple properties on the policy. There is also an invoice that breakdown the dwelling with premium amount. | 20250227: Received hazard insurance premium |  | Cleared | 2/27/2025 | C A |
| XXX | XXX | 2018679 | XXX | 1/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/31: Clear | 20250131: Clear |  | Cleared | 1/31/2025 | A |
| XXX | XXX | 2016885 | XXX | 4/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/11: Clear | 20250411: Clear |  | Cleared | 4/11/2025 | A |
| XXX | XXX | 2016886 | XXX | 4/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/24: Clear | 20250424: Clear |  | Cleared | 4/24/2025 | A |
| XXX | XXX | 1680663 | XXX | 3/13/2023 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable credit guidelines. | 3/13: Clear | 20230313: Clear |  | Cleared | 3/13/2023 | A |
| XXX | XXX | 1680666 | XXX | 3/13/2023 | Credit | Missing 12-month Payment History | Missing 12-month Payment History | Lender exception in file: Guidelines require 12 months mortgage rating. Borrower is living rent free. Compensating factors cited ".25bps added to rate, investor experience". | Lender exception provided; pending client review and approval. | Client acknowledged exception | DSCR OF 1.794, LTV 65%, and XXX years at primary address | Acknowledged | 4/19/2023 | C B |
| XXX | XXX | 1677576 | XXX | 2/28/2023 | Credit | Insufficient Hazard Insurance | Insufficient Hazard Insurance | Property insurance binder in file indicates 90% coinsurance applicable; borrower may be responsible to cover a portion of potential damage cost in addition to the deductible. | 3/9/2023 - Lender provided a screenshot from a google search that provides a definition of an "Open Perils Policy". Exception cited was for 90% co-insurance. Document provided is not applicable; does not resolve issue. Exception remains. <br> Lender exception provided; pending client review and approval | Client acknowledged exception | Minimum DSCR required 1.0; Actual DSCR 2.167 | Acknowledged | 4/19/2023 | C B |
| XXX | XXX | 1677576 | XXX | 2/28/2023 | Credit | Missing Rental/or Mortgage Payment History | Missing Rental/or Mortgage Payment History | Borrower is living rent free, LOE provided in lieu of rental/or mortgage payment history. Lender Exception granted with compensating factor(s) of "(i) .25bps added to rate and; (ii)investor experience". | Lender exception provided; pending client review and approval. | Client acknowledged exception | Minimum DSCR required 1.0; Actual DSCR 2.167 | Acknowledged | 4/19/2023 | C B |
| XXX | XXX | 1686362 | XXX | 4/5/2023 | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of 75.00 is greater than the maximum allowable guideline LTV of 65.00. Max LTV is 65.00% when investor concentration exceeds 75.00%. Condo has 78.00% investor concentration. Lender exception allowed based on compensating factors of good credit, good reserves. | Client acknowledged exception | Client acknowledged exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of 720. <br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of 6.00 or $XXX.<br> ; Borrower has more than 2 years at current residence - Borrower at current residence XXX years | Acknowledged | 4/19/2023 | C B |
| XXX | XXX | 1686362 | XXX | 4/4/2023 | Compliance | No Compliance Findings | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of 720. <br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of 6.00 or $XXX.<br> ; Borrower has more than 2 years at current residence - Borrower at current residence XXX years | Cleared | 4/4/2023 | A |
| XXX | XXX | 1686362 | XXX | 4/5/2023 | Property | No Property Findings | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of 720. <br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of 6.00 or $XXX.<br> ; Borrower has more than 2 years at current residence - Borrower at current residence XXX years | Cleared | 4/5/2023 | A |
| XXX | XXX | 1778538 | XXX | 4/12/2023 | Compliance | No Compliance Findings | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Borrower has more than 2 years at current residence - Borrower at current residence XXX years | Cleared | 4/12/2023 | A |
| XXX | XXX | 1778538 | XXX | 4/18/2023 | Credit | No Credit Findings | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Borrower has more than 2 years at current residence - Borrower at current residence XXX years | Cleared | 4/18/2023 | A |
| XXX | XXX | 1778538 | XXX | 4/18/2023 | Property | No Property Findings | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Borrower has more than 2 years at current residence - Borrower at current residence XXX years | Cleared | 4/18/2023 | A |
| XXX | XXX | 1689179 | XXX | 4/20/2023 | Credit | Borrower Employment Verification does not meet guidelines | Borrower Employment Verification does not meet guidelines | The Corporate Borrowing Resolution for XXX is not in the file. | 4.28.23 - Corporate Resolution for XXX provided. | The exception 'Borrower Employment Verification does not meet guidelines' is cleared; exception resolved. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of 6.00 or $XXX.<br> ; Borrower has more than 2 years at current residence - Borrower at current residence XXX years<br> ; Borrower has stable job time - Borrower has XXX years at job. | Cleared | 5/1/2023 | C A |
| XXX | XXX | 1689179 | XXX | 4/20/2023 | Credit | Final Loan Application is Missing | Final Loan Application is Missing | Final loan application is Missing. Must include complete Schedule of Real Estate as evideince of additional investment property in file (XXX). | 5.10.23 - Final loan application including XXX provided | Final loan application is Present; exception resolved. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of 6.00 or $XXX.<br> ; Borrower has more than 2 years at current residence - Borrower at current residence XXX years<br> ; Borrower has stable job time - Borrower has XXX years at job. | Cleared | 5/10/2023 | D A C |
| XXX | XXX | 1689179 | XXX | 4/21/2023 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines | i) Only 11 months mortgage history provided for Primary (XXX), ful 12 months required. Max 1x30x12. <br> ii) Subject purchased/recorded XX/XX/XXXX. Mortage Statement from XXX reflects nine payments made. Not considered experienced investor per XXX as investment must be owned for 12 months during last three years. No proof of previous investment ownership or lender exception provided. | 5.17.23 - Documentation provided was a release of lien. Missing 1 additional month of housing history per guidelines; exception remains.;<br> ;<br> 5.31.23 - Only 11 months housing history available as month 12, the lien was released per Lender. | Housing history meets guidelines; exception resolved. | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of 6.00 or $XXX.<br> ; Borrower has more than 2 years at current residence - Borrower at current residence XXX years<br> ; Borrower has stable job time - Borrower has XXX years at job. | Cleared | 5/31/2023 | C A |
| XXX | XXX | 1689179 | XXX | 4/20/2023 | Compliance | No Compliance Findings | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of 6.00 or $XXX.<br> ; Borrower has more than 2 years at current residence - Borrower at current residence XXX years<br> ; Borrower has stable job time - Borrower has XXX years at job. | Cleared | 4/20/2023 | A |
| XXX | XXX | 1689179 | XXX | 4/20/2023 | Property | No Property Findings | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of 6.00 or $XXX.<br> ; Borrower has more than 2 years at current residence - Borrower at current residence XXX years<br> ; Borrower has stable job time - Borrower has XXX years at job. | Cleared | 4/20/2023 | A |
| XXX | XXX | 2016912 | XXX | 04/22/2025 | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | Document Uploaded. Please see attached Disaster Report. | Property Inspection Provided.; PDI provided | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/22/2025 | C A |
| XXX | XXX | 2016912 | XXX | 04/22/2025 | Property | Missing Doc | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. The subject property is a FEMA disaster case; however, the inspection report was not provided. | Please see attached Disaster Report. | FEMA Post Disaster Inspection report was provided.; PDI provided | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/22/2025 | D A |
| XXX | XXX | 2016912 | XXX | 04/22/2025 | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX. | Document Uploaded. Hi, this is a Dry Funding State. Loan did not fund until XX/XX/XXXX. Please see attached Final HUD. | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided; Final settlement statement provided reflects a disbursement date of XX/XX/XXXX. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/22/2025 | C A |
| XXX | XXX | 2016912 | XXX | 04/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/22/2025 | A |

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## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.10**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 2018677 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018663 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1880368 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1880419 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1952043 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018675 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018646 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018667 | XXX D B C A | N/A | N/A D B C | N/A | N/A D B C | N/A | N/A D B C | N/A | N/A D B C | N/A | N/A D B | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018673 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018638 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018641 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018666 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018644 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018664 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018635 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018633 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018660 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018642 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018654 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018655 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018650 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018657 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018634 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018643 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018637 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018632 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018662 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018651 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018652 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018678 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018672 | XXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018671 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018668 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018670 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018636 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018639 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018647 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018661 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018658 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018665 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018656 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018674 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018653 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018676 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018659 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018631 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018640 | XXX D A | N/A | N/A C D | N/A | N/A C D | N/A | N/A C D | N/A | N/A C D | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018645 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018649 | XXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018629 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018630 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018669 | XXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018648 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2018679 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2016885 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2016886 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1680663 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1680666 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1677576 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1686362 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1778538 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 1689179 | XXX D A C | N/A | N/A D | N/A | N/A D | N/A | N/A C | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 2016912 | XXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2018677 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2018663 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 1880368 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 1880419 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 9.13% | 9.13% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 1952043 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2018675 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018646 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 40.00% | 40.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -4.07% | 92% | 8% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018667 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2018673 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018638 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -1.76% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018641 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2018666 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2018644 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.56% | 55.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018664 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.10% | 59.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2018635 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.95% | 69.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018633 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018660 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 6.96% | 95% | 5% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018642 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2018654 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2018655 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 41.67% | 41.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018650 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018657 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018634 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 51.78% | 51.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018643 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2018637 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.27% | 53.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018632 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.63% | 57.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018662 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018651 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018652 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018678 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018672 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2018671 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2018668 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2018670 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2018636 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018639 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2018647 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018661 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2018658 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2018665 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2018656 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018674 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.00% | 79.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018653 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.98% | 79.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018676 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2018659 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 43.76% | 43.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018631 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018640 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2018645 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018649 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 1.16% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018629 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018630 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2018669 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.49% | 64.49% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2018648 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2018679 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2016885 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 2.3 |  |
| 2016886 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 58.86% | 58.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 1680663 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.25% | 77.25% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 11.35% | 97% | 3% | XXX |  | XX/XX/XXXX | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 1680666 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -5.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1677576 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | -4.17% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1686362 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 7.20% | 72 | 28% | XXX |  | XX/XX/XXXX | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 1778538 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 5.45% | 94 | 6% | XXX |  | XX/XX/XXXX | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 1689179 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | $XXXX | 16.92% | 96 | 4% | XXX |  | XX/XX/XXXX | XXX | $0.00 | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2016912 | XXX |  | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 71.05% | 71.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1952043 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2018632 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2018633 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2018637 | XXX |  | Interest Rate | $XXXXXX | $XXXXXX | XXX |
| 2018637 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2018642 | XXX |  | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 2018642 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2018660 | XXX |  | Property Type | $XXXXXX | $XXXXXX | XXX |
| 2018660 | XXX |  | Property Units | $XXXXXX | $XXXXXX | XXX |
| 2018669 | XXX |  | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 2018670 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2018671 | XXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 2018671 | XXX |  | P&I | $XXXXXX | $XXXXXX | XXX |
| 2018671 | XXX |  | Sales Price | $XXXXXX | $XXXXXX | XXX |
| 2018671 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2018673 | XXX |  | Interest Rate | $XXXXXX | $XXXXXX | XXX |
| 2018673 | XXX |  | P&I | $XXXXXX | $XXXXXX | XXX |
| 2018673 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2018679 | XXX |  | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 2018679 | XXX |  | Property Type | $XXXXXX | $XXXXXX | XXX |
| 2018679 | XXX |  | Property Units | $XXXXXX | $XXXXXX | XXX |
| 2018679 | XXX |  | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 2018679 | XXX |  | LTV | $XXXXXX | $XXXXXX | XXX |
| 2018679 | XXX |  | DSCR | $XXXXXX | $XXXXXX | XXX |
| 2016885 | XXX |  | Amortization Type | $XXXXXX | $XXXXXX |  |
| 2016885 | XXX |  | P&I | $XXXXXX | $XXXXXX |  |
| 1680663 | XXX |  | Borrower_First_Name | $XXXXXX | $XXXXXX | XXX |
| 1680663 | XXX |  | Borrower_Last_Name | $XXXXXX | $XXXXXX | XXX |
| 1680663 | XXX |  | Original_Amortization_Term | $XXXXXX | $XXXXXX | XXX |
| 1680663 | XXX |  | Borrower_First_Name | $XXXXXX | $XXXXXX | XXX |
| 1680663 | XXX |  | Borrower_Last_Name | $XXXXXX | $XXXXXX | XXX |
| 1680663 | XXX |  | Borrower_First_Name | $XXXXXX | $XXXXXX | XXX |
| 1680663 | XXX |  | Borrower_Last_Name | $XXXXXX | $XXXXXX | XXX |
| 1686362 | XXX |  | Borrower_First_Name | $XXXXXX | $XXXXXX | XXX |
| 1686362 | XXX |  | Borrower_Last_Name | $XXXXXX | $XXXXXX | XXX |
| 1778538 | XXX |  | Borrower_First_Name | $XXXXXX | $XXXXXX | XXX |
| 1689179 | XXX |  | Original_CLTV | $XXXXXX | $XXXXXX | XXX |
| 1689179 | XXX |  | Original_LTV | $XXXXXX | $XXXXXX | XXX |
| 2016912 | XXX |  | Application Date | $XXXXXX | $XXXXXX | XXX |
| 2016912 | XXX |  | Closing/Settlement Date | $XXXXXX | $XXXXXX | XXX |
| 2016912 | XXX |  | Qualifying Total Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |

---

## Exhibit 99.13

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.13**

![](ex9913001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, Ellington Management Group, LLC ("Client"). The review included a total of 581 newly originated residential mortgage loan, in connection with the securitization identified as EFMT 2025-INV3 (the "Securitization"). The review began on June 1, 2023 and concluded on May 29, 2025.

**Scope of Review**

**DUE DILIGENCE REVIEWS – DSCR Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

5. <u>Order and Reviews Risk IQ Report (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Identifies bankruptcy filings with the Borrower(s) name.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Validate borrowers monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate DSCR Calculation of rent per lease or comparable rent schedule
from appraisal divided by the subject total PITIA payment – DSCR If Lease and comparable rent payments differ Digital Risk
will refer to the client guidelines for further guidance.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs
and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation Review

1. <u>Review Appraisal</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Digital Risk'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. Digital Risk's review included verifying the appraisal
report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal form:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party
valuation product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive value, Digital
Risk will review third-party products in the file to ensure the correct value was applied per Client Guidelines

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;C. Compliance Review

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

3. Business Purpose Loan Compliance Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Letter (must state that borrower(s) will not reside in the property for more than 14
days on any calendar year, and be acknowledged by the consumer).

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c))
as evaluated based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans for compliance with the
ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt from ATR. Digital
Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan
designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations for applicable loans: QM
designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and
ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that does not satisfy the applicable
requirements enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule consideration
and verification requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation
of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Digital
 Risk revie ws the mortgage loan
 to determine whether, based on available information in the mortgage loan file, the creditor
 considered, as applicable, the following eight underwriting factors, and will verify
 such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneo us
 Loans - Ensure that all concurrent Loans were included in the debt- to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment
calculation includes principle, interest, taxes, and insurance ("PITI"), as well as other costs related to the property
such as homeowners' association ("HOA") fees, private mortgage insurance ("PMI"), ground rental fees,
etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual
income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit
depth, including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

&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. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but
less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&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. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&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. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal
to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**DUE DILIGENCE REVIEWS – Bank Statement Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. CREDIT REVIEW .

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Client Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Client Guidelines contain legitimate and approved exceptions with compensating factors. The "Credit Review" included the following:

The "Credit Review" included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Initial & Final Application</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Accept/Eligible decision

&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. AUS
data integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of income 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;e. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of DTI 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;g. Validation of LTV 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;h. Reconcile AUS mismatches

&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. Validation of payment shock calculations 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;j. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Review Occupancy/Red Flags</u> 

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

&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. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Reverification of Borrower Original and Audit Credit Report (if needed)</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score 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;e. The Reverifications within this section are intended to meet the Client
Guidelines, Additional Guidelines or Agency Guidelines for post-closing quality control reverifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Order and Reviews Risk IQ Report to compare vs loan documentation (if requested)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&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. Verifies address information associated with the Borrower (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;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Verification of Borrower Employment, Income, and Asset Information</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against
re-verification documents

---

| | |
|:---|:---|
| ii. | W-2s and Paystubs |
| iii. | Transcripts (as applicable) support income |
| iv. | Tax Returns and Profit and Loss Statements, as applicable |
| v. | Bank Statements or other Alternate Income documents as required by the Client |
|  | Guidelines or Additional Guidelines |
| vi. | Consistent/Continuing Employment |
| vii. | The Reverifications within this section are intended to meet the Agency Guidelines |
|  | for post- closing quality control reverifications. (If needed) |

---

---

| | | |
|:---|:---|:---|
| c. | Assets |  |
| | i. | Confirm adequate funds to cover required down payment and closing costs and |
| |  | reserves |
| | ii. | Check dates for document expiration |
| | iii. | Sufficient funds were sourced and seasoned |
| | iv. | Gift funds verified and met Client Guidelines or Additional Guidelines |
| | v. | The Reverifications within this section are intended to meet the Client or Agency |
| |  | Guidelines for post- closing quality control reverifications. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Sales Contract</u> 

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

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

&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. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within Client Guidelines or Additional Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Hazard and Flood (if applicable)</u> 

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

&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 coverage is for subject

&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. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&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. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Review Title Commitment/Policy</u> 

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

&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. Lien position

&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. Legal description

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Review Closing Documents</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>QM/ATR Credit Review – (If applicable)</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Digital Risk will (a) confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) key underwriting factors described in sub-sections (a) – (h) below that are required pursuant to the ATR rule (an "<u>ATR Review</u>").

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c))
as evaluated based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Digital Risk will review applicable mortgage loans for compliance with the
ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non- QM, or exempt from ATR. Digital
Risk determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan
designation. Generally, Digital Risk notes as a material exception if the due diligence findings do not confirm the originator's
mortgage loan designation. Additionally, Digital Risk notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Digital Risk utilizes the following designations for applicable loans: QM
designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and
ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Digital Risk reviews the mortgage
loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and
(iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable
requirements enumerated above, Digital Risk then determines whether the mortgage loan complies with the ATR rule consideration
and verification requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation
of Non-QM indicating compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non- compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Digital Risk reviews the mortgage loan to determine whether, based on available
information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will
verify such information using reasonably reliable third- party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income,
and validate funds required to close and required reserves, to Confirm that the borrower has current or reasonably expected income
or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate,
and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the
debt- to-income ratio ("DTI") calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment
calculation includes principle, interest, taxes, and insurance ("PITI"), as well as other costs related to the property
such as homeowners' association ("HOA") fees, private mortgage insurance ("PMI"), ground rental fees,
etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual
income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit
depth, including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>General QM for any loans originated under the GQM Rule – (If applicable)</u> 

Pricing Thresholds:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but
less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal
to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook
for the Single Family Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Valuation 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;a. Digital Risk'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. Digital Risk's review
included verifying the appraisal report.

&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. On the appropriate GSE form:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender
or a related entity that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another
lender, the file contains a transfer letter from the original lender

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance
based on a third-party valuation product. If a third-party valuation product is in file, but notes a variance above 10% or an inconclusive
value, Digital Risk will recommend a BPO or field review be ordered.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of Digital Risk's review include (a) verifying that
the address matched the mortgage note, (b) if requested, noting whether the property zip code was declared a FEMA disaster area
after the valuation date and notifying the Client of same, (c) confirming the appraisal report does not include any apparent environmental
problems, (d) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered),
(e) reviewing pictures to ensure (1) that the property is in average or better condition and any repairs are noted where required
and (2) that the subject property is the one for which the valuation was ordered and that there are no negative external factors;
and (f) confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. COMPLIANCE REVIEW .

"Compliance Review" means that Digital Risk reviewed each Loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk 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 Industry Group (the "SFIG Compliance Review Scope") and

(ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk 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 Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all
sections of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided to Digital Risk

&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. If there is a Revised LE, confirm (i) that there is a "valid reason" for the Revised
LE; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final binding" LE for
the purpose of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason will not be used
for the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3) business days from the
application date, and at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3) business days from date
of the "valid reason" giving rise to the Revised LE, and at least four (4) business days prior to the consummation
date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability
were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all
sections of the CD are completed; and (iii) the CD accurately reflects the information provided to Digital Risk.

&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. If a subsequent CD is issued, confirm (i) that there was a valid reason
for the change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires
a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes
that require a new waiting period), was received at least three (3) business days prior to the consummation date. With respect
to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund
as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need
for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered
or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented
by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees
disclosed in the final binding LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances.
Confirm the total of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there
is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan
originator followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation
CD (" <u>PCCD</u> "), and (iii) with respect to applicable exception remediation measures for numerical exceptions, confirm
that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after
discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical
exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited
acts or practices in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions
related to Loan Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Rev iew
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. RESPA:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the
mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet
in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the
borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided
within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) business days of
application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in
the mortgage loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later
than three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the
mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership
counselling organizations within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation
B, 12 C.F.R. Part 1002, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation;
and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article
XVI of the Texas Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Exclusions</u>. Digital Risk will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID:

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

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

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 581 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Amortization Term in Months | &nbsp;&nbsp;50 | &nbsp;&nbsp;8.61% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.41% |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;357 | &nbsp;&nbsp;61.45% |
| &nbsp;&nbsp;First Payment Due Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.93% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;47 | &nbsp;&nbsp;8.09% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Original Qualifying FICO Score | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.93% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;80 | &nbsp;&nbsp;13.77% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;44 | &nbsp;&nbsp;6.96% |
| &nbsp;&nbsp;Subject Street Address | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;Subject Zipcode | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;The Original Principal and Interest Payment Amount | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.20% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;197 | &nbsp;&nbsp;$55210450.50 | &nbsp;&nbsp;33.91% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;384 | &nbsp;&nbsp;$97462543.00 | &nbsp;&nbsp;66.09% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;581 | &nbsp;&nbsp;$152672993.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;505 | &nbsp;&nbsp;$116525420.50 | &nbsp;&nbsp;86.92% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;76 | &nbsp;&nbsp;$36147573.00 | &nbsp;&nbsp;13.08% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;581 | &nbsp;&nbsp;$152672993.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;262 | &nbsp;&nbsp;$88129722.50 | &nbsp;&nbsp;45.09% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;319 | &nbsp;&nbsp;$64543271.00 | &nbsp;&nbsp;54.91% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;581 | &nbsp;&nbsp;$152672993.50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;577 | &nbsp;&nbsp;$151522868.50 | &nbsp;&nbsp;99.31% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;4 | &nbsp;&nbsp;$1150125.00 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;581 | &nbsp;&nbsp;$152672993.50 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The valuation methodology complies with applicable underwriting guidelines and the value is supported within 90% of the original appraisal by the first third party valuation product. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp; The valuation methodology does not meet applicable published guidelines for the program.<br> The value is not supported within 90% of the original appraisal by the first third party valuation product but a second third party valuation product is provided and does support original appraised value within 90%.<br> The value is not supported within 90% of the original appraisal by the first third party valuation product; a second third party valuation product is provided and does not support the original appraised value within 90%; a third party value reconciliation product is then provided which reconciles the appraisal, first, and second valuation products, and supports within 90% of the appraisal. When a reconciliation supports the appraisal, first and second valuation products, the lower of the appraised value, purchase price for purchases, and reconciliation value will be used to establish lending value.<br> The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The valuation methodology does not meet every applicable published guideline for the program. The value is not supported within 90% of the original appraisal by any of the third-party valuation products or the reconciliation. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.14

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.14**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| EFMT 2025-INV3 Rebuttal Findings_Redacted | EFMT 2025-INV3 Rebuttal Findings_Redacted | EFMT 2025-INV3 Rebuttal Findings_Redacted | EFMT 2025-INV3 Rebuttal Findings_Redacted | EFMT 2025-INV3 Rebuttal Findings_Redacted | EFMT 2025-INV3 Rebuttal Findings_Redacted | EFMT 2025-INV3 Rebuttal Findings_Redacted | EFMT 2025-INV3 Rebuttal Findings_Redacted |
| Seller: | Seller: | Seller: | Seller: | Seller: | Seller: | Seller: | Seller: |
| Deal ID: | Deal ID: | Deal ID: | Deal ID: | Deal ID: | Deal ID: | Deal ID: | Deal ID: |
| Total Loan Count: 581 | Total Loan Count: 581 | Total Loan Count: 581 | Total Loan Count: 581 | Total Loan Count: 581 | Total Loan Count: 581 | Total Loan Count: 581 | Total Loan Count: 581 |
| Loans by Grade in Population | Loans by Grade in Population | Loans by Grade in Population |  | Trade Summary | Trade Summary | Trade Summary | Trade Summary |
| Percentage | Percentage | Percentage |  | Loan Status | Loan Status | Count | Percentage |
| 33.91% | 33.91% | 33.91% |  | Review Complete | Review Complete | 578 | 99.48% |
| 66.09% | 66.09% | 66.09% |  | In Rebuttal | In Rebuttal | 3 | 0.52% |
| ![](image_002.jpg) | ![](image_002.jpg) | ![](image_002.jpg) |  |  |  |  |  |
| ![](image_002.jpg) | ![](image_002.jpg) | ![](image_002.jpg) |  | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) | ![](image_003.jpg) |
| Finding Status | Final Finding Grade | Final Finding Grade | Final Finding Grade | Final Finding Grade |  |  |  |
| Void | 3 | 4 | 2 | 1 |  |  |  |
| 0 | 0 | 0 | 51 | 300 |  |  |  |
| 0 | 0 | 0 | 0 | 12 |  |  |  |
| 0 | 0 | 0 | 378 | 95 |  |  |  |
| 5 | 0 | 0 | 2 | 1321 |  |  |  |
|  |  | Initial Finding Grade | Initial Finding Grade | Initial Finding Grade | Final Finding Grade | Final Finding Grade |  |
| Exceptions | Count | 3 | 4 | 2 | 2 | 2 |  |
| Compliance | 494 | 67 | 2 | 425 | 330 | 330 |  |
| Note - Incomplete | 410 | 21 | 0 | 389 | 295 | 295 |  |
| Security Instrument - Incomplete | 15 | 14 | 0 | 1 | 1 | 1 |  |
| HUD1 - Not Final | 12 | 0 | 0 | 12 | 12 | 12 |  |
| Security Instrument - Inaccurate | 11 | 2 | 0 | 9 | 9 | 9 |  |
| Security Instrument - Name Discrepancy | 11 | 10 | 0 | 1 | 0 | 0 |  |
| Compliance Finding - Missing Business Purpose Documentation | 8 | 8 | 0 | 0 | 0 | 0 |  |
| Security Instrument - Missing Rider/Addendum | 5 | 5 | 0 | 0 | 0 | 0 |  |
| Flood Insurance - Escrow Notice | 4 | 0 | 0 | 4 | 4 | 4 |  |
| HUD1 - Incomplete | 3 | 0 | 0 | 3 | 3 | 3 |  |
| Flood Insurance Required | 3 | 0 | 0 | 3 | 3 | 3 |  |
| HUD1 - Missing (All) | 3 | 3 | 0 | 0 | 0 | 0 |  |
| HMDA - Government Monitoring | 2 | 0 | 0 | 2 | 2 | 2 |  |
| Disclosures Federal - Missing | 1 | 0 | 0 | 1 | 1 | 1 |  |
| Security Instrument - Missing | 1 | 0 | 1 | 0 | 0 | 0 |  |
| Note - Missing | 1 | 0 | 1 | 0 | 0 | 0 |  |
| Security Instrument - Signature Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Compliance Finding - Other | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Security Instrument - Loan Amount Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Security Instrument - Property Address Discrepancy | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Credit | 332 | 272 | 10 | 48 | 97 | 97 |  |
| DSCR - Program Parameters - Other | 118 | 74 | 0 | 44 | 63 | 63 |  |
| Appraisal - Other | 25 | 24 | 0 | 1 | 3 | 3 |  |
| DSCR - Missing background check | 19 | 19 | 0 | 0 | 1 | 1 |  |
| Program Parameters - Other | 19 | 18 | 0 | 1 | 10 | 10 |  |
| Final Application - Missing | 14 | 13 | 0 | 0 | 2 | 2 |  |
| Credit - Other | 13 | 13 | 0 | 0 | 0 | 0 |  |
| Credit Missing - One or More Reports Missing | 13 | 12 | 0 | 0 | 2 | 2 |  |
| Appraisal - Borrower Info | 10 | 2 | 8 | 0 | 0 | 0 |  |
| Credit - OFAC Screening | 9 | 9 | 0 | 0 | 0 | 0 |  |
| Hazard Insurance deductible over allowed 5% of coverage amount. | 8 | 8 | 0 | 0 | 0 | 0 |  |
| Income - Rental Property/Missing Lease | 7 | 7 | 0 | 0 | 2 | 2 |  |
| Assets - Minimum Reserves | 7 | 7 | 0 | 0 | 0 | 0 |  |
| Borrower - Identification | 6 | 6 | 0 | 0 | 0 | 0 |  |
| Assets - Cash to Close | 5 | 5 | 0 | 0 | 1 | 1 |  |
| DSCR - Missing Entity Documentation | 4 | 4 | 0 | 0 | 0 | 0 |  |
| Program Parameters - Property Type | 4 | 2 | 0 | 2 | 4 | 4 |  |
| Program Parameters - LTV | 3 | 3 | 0 | 0 | 2 | 2 |  |
| Condo - Documentation | 3 | 3 | 0 | 0 | 0 | 0 |  |
| Appraisal - Appraisal Missing | 3 | 3 | 0 | 0 | 0 | 0 |  |
| Assets - Bank Statements | 3 | 1 | 2 | 0 | 0 | 0 |  |
| Title Commitment - Missing/Incomplete | 3 | 3 | 0 | 0 | 0 | 0 |  |
| Income - Missing or Incomplete Lease Agreement | 3 | 3 | 0 | 0 | 0 | 0 |  |
| Appraisal - Missing required 1004 D | 3 | 3 | 0 | 0 | 0 | 0 |  |
| Hazard Insurance - Missing/Insufficient | 3 | 3 | 0 | 0 | 1 | 1 |  |
| FEMA | 2 | 2 | 0 | 0 | 0 | 0 |  |
| Property is currently listed for sale or has been sold | 2 | 2 | 0 | 0 | 1 | 1 |  |
| Flood Certificate - Incorrect | 2 | 2 | 0 | 0 | 0 | 0 |  |
| DSCR - Missing HUD | 2 | 2 | 0 | 0 | 0 | 0 |  |
| Flood Certificate - Missing | 2 | 2 | 0 | 0 | 0 | 0 |  |
| Assets - Other | 2 | 2 | 0 | 0 | 1 | 1 |  |
| HELOC - Closure Letter | 2 | 2 | 0 | 0 | 0 | 0 |  |
| Credit Report - Other | 2 | 2 | 0 | 0 | 2 | 2 |  |
| Assets - Investment Property Reserves | 1 | 1 | 0 | 0 | 1 | 1 |  |
| Income - Rental Property Income | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Assets - Large Deposits/Unacceptable | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Mortgage History - Missing/Incomplete | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Debts - Not Verified | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Property listed for sale within 6 months of application date | 1 | 1 | 0 | 0 | 1 | 1 |  |
| Assets - Authorization | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Credit Report - Alerts | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Income - Other | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Program Parameters - Cash-Out, Delayed Financing | 1 | 1 | 0 | 0 | 0 | 0 |  |
| DSCR - Missing required STR Documents | 1 | 1 | 0 | 0 | 0 | 0 |  |
| Valuation | 13 | 12 | 0 | 1 | 4 | 4 |  |
| Appraisal - Value is not supported within 15% of original appraisal amount | 12 | 12 | 0 | 0 | 3 | 3 |  |
| Appraisal - Value is supported within 10% of original appraisal amount | 1 | 0 | 0 | 1 | 1 | 1 |  |

---

![](image_001.jpg)

## Exhibit 99.15

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **DD Start Date** | **DD Delivery Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **SOL Expiration Date** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 1993219 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1993219 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Flood Certificate - Incorrect | XXXX | The flood certificate collateral description reflects the borrower's primary residence of XXXX and not the subject address of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Correct Flood Cert provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1993219 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Lease agreement provided in the file effective XX/XX/XXXX with expiration date of XX/XX/XXXX; a few days after the closing date of XX/XX/XXXX. Please provide the new lease in order for the subject to be considered occupied. Additional conditions may apply after the new lease is reviewed. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Signed updated lease provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1993219 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA for XXXX or a XXXX Reconciliation Report to support the origination appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2018685 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2018685 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing required STR Documents | XXXX | Missing required short term rental docs per guidelines. Guidelines require for short term rentals a rental history statement. The file contained 2 statements with the subject property address. The lowest rental income was used in the DSCR calculation; however, both statements can't belong to the same property. The correct statement for the subject property should be verified. Noted, in the prefund review, only 1 statement for the subject was in the file and a finding for clarification was noted. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX XX:XXAM)<br> Rental history provided for both properties as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2018685 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2018681 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the borrower received the Notice of Right to Receive Copy of Appraisal within 3 days of the application date due to the following: There was no application date . Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018681 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018681 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018686 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018686 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018686 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018683 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018683 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018683 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains XXXX Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018682 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018682 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018682 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018687 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018687 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018687 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993213 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX . Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1993213 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file is missing the application for all borrowers along with an approval with the loan program details, loan terms, and DSCR calculation. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Application provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1993213 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The file is missing a copy of the current lease on the subject property used to calculate DSCR. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs provided.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Copy of prior lease and new lease provide supporting monthly rental amount and DSCR of X. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1993213 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA from XXXX or XXXX Reconcilation Report to support the appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1993222 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993222 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993222 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993220 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993220 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993220 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013638 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the borrower received the Notice of Right to Receive Copy of Appraisal within 3 days of the application date due to the following: There was no application date . Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013638 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan approval is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013638 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013638 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1993217 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993217 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrower was required to evidence XX months reserves due to loan amount >$XXand DSCR Resolved Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> These three accounts are in either XXXXs personal name or in the name of one of the LLCs documented in the file. All three XXX ending statements show a cumulative total of XXXX total. <br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>3 1 3 2 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation (Master HOI, Condo Questionnaire, Condo Budget, Project Review). | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Condo Q, and Master policies attached. <br>| Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1993217 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The guidelines indicate that vacant refinances are ineligible if the DSCR is Waived Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception for this was given by XXXX. <br>Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>Experienced Investor. XXXX% LTV 3 2 3 2 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The borrower is a Foreign National, which is allowed by the Origination Guidelines but not identified on the Investor Matrix. Please provide a reconciliation. | Waived | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Exception was given by XXXX. Also, this is locked with Exception by XXXX Lock Desk. <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Experienced Investor. XXXX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 1993217 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Property - Currently Listed for Sale | XXXX | The property located at XXXX is currently listed for sale and was listed on XX/XX/XXXX. The loan file contains a letter from the borrower that the property was previously listed for sale and they decided to lease the property; however, once the subject transaction was complete the property was re-listed for sale. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Exception uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Experienced Investor. XXXX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 1993217 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993216 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993216 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation (Master HOI, Condo Questionnaire, Condo Budget, Project Review). | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Condo Q and updated Master policies attached. <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1993216 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The borrower is a Foreign National, which is allowed by the Origination Guidelines but not identified on the Investor Matrix. Please provide a reconciliation. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Exception was given by XXXX. Also, this is locked with Exception by XXXX Lock Desk.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Experienced Investor .XXXX% LTV. 30 months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 1993216 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993215 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993215 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Condo - Documentation | XXXX | Loan file did not contain required condo documentation (Master HOI, Condo Questionnaire, Condo Budget, Project Review). | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Condo Q and updated Master policies attached. <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1993215 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The borrower is a Foreign National, which is allowed by the Origination Guidelines but not identified on the Investor Matrix. Please provide a reconciliation. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Exception was given by XXXX. Also, this is locked with Exception by XXXX Lock Desk.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Experienced Investor. XXXX% LTV. 22 months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 1993215 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013642 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013642 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The loan file contains an exception to allow the appraisals without being ordered through an XXXX. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Comp Factors - XXX FICO and LTV XXXX% |  | 3 | 2 | 3 | 2 |
| XXXX | 2013642 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The borrower was required to evidence $XXXX in reserves. This is inaddition to the requirement of $XXXX in funds to close. Therefore, the borrower was required to evidence a totalof $XXXX in funds for the subject transaction. The loan file contained no assets statements. As a result, there is a $XXXX shortagein verified assets. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013642 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. The loan file did not contain a CDA. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013641 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013641 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013641 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002079 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002079 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The subject LTV of XX% exceeds investor guidelines of XX%. The borrower is a non-permanent resident given the I-797A provided. As a cash out transaction the max LTV allowed is XX% with the LTV being lowered to XX% due to citizenship status. Investor guidelines require an additional X% reduction due to the appraisal indicating the subject property is vacant and not documentation supporting occupancy. The max LTV per investor guidelines on this transaction is XX%. | Void | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Our guidelines do not give an LTV reduction of - X for Non-Perm,just a cap on the LTV – it reads "Max LTV Cash Out – Non-Permanent Resident".As such, max would be XX LTV, then reduced by X% due to vacant which puts us at XX LTV. Our cap is XX LTV and we're fine because we have not exceeded this cap for Non-Perm.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review and conversation with client the LTV max for a DSCR over X, qualifying FICO between XXX and Cash out is XX%. There is a X% reduction in LTV for vacant unit. The additional grid box is for max based on product type restrictions. For a Non-Perm the max LTV is XX% and subject loan meets that. (Void)<br>|  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002079 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains a partial lender exception which appears to be allowing for the appraised value to be considered to determine the LTV as opposed to the LTC given the borrower has owned the property for less than 6 months. Investor guidelines allow for an exception when owned between 3-6 months however it also requires the property to be rented and it is currently vacant. The exception provided has a significant portion of the email missing and is being considered incomplete. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Complete original email for lender exception provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Complete Lender Exception provided to allow appraised value to be used instead of LTC. Subject property was purchased for XX, XX private loan was used to complete XX worth of work. Subject now appraised for XX based on renovations now being complete. Lender exception to allow current appraised value without having 6 months ownership seasoning. Client to approve based on compensating factors. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Client has approved Lender Exception based on Compensating factors. (Waived)<br>|  | Comp factors - LTV XX%, FICO XXX with 2 other mortgage on credit going back X years and revolving credit going back X years, $XXXX in reserves and X comps less than a mile and under X% gross adjustments. CDA from XXX agrees with appraised value. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002079 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA from XXXX provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993218 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application due to the following: There was no application date. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). ?Informational Only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1993218 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal for the property located at XXXX reflects a photo of the electrical panel with no cover and exposed wires. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Photo provided with cover over electrical box and no exposed wires. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1993218 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The kitchen for the property located at XXXX is missing the refrigerator and the stove/range. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> See attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Photos provided to show refrigerator and stove in property. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1993218 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file does not contain an application for the borrower. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> see attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Final application provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1993218 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1993225 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993225 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1993225 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018680 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing Business Loan Rider. The Lender utilized the XXXX/XXXX uniform instrument, and the loan was a Business Purpose Loan, a Business Loan Rider is required due to pg. 2 of the mortgage show the rider included. Please provide the executed rider. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> See attached <br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Business Loan Rider uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Business Purpose Loan addendum to the Note has been provided. Please provide the Business Loan rider to the Mortgage for review. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2018680 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file contains 2 operating agreements for the subject borrowing entity which are identical with the exception of the exhibit 1 for each operating agreement displaying differences in ownership percentages. The first operating agreement exhibit 1 reflects the guarantor owning XX% of the entity whereas the second operating agreement exhibit 1 reflects the guarantor owning only XX% of the entity. Both have the same date. The correct ownership percentage must be clarified and documented as additional conditions could apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2018680 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. The CDA for the property located at XXXX reflected a .XX% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> See attached <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXAM)<br> The appraised value was $XXXX. The XXXX was $XXXX. CDA does not support. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Second CDA supports the $XXXX appraised value. Downgraded to EV2. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 1993212 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1993212 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1993212 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain a CDA from XXXX or XXXX Reconcilation Report to support the appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> CDA provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002077 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002077 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002077 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013639 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013639 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013639 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013637 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013637 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013637 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013640 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013640 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Flood cert provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013640 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains a XXXX Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002072 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002072 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002072 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. An AVM was provided and did not support the original appraised value and was a - XX% which is outside the - XX% tolerance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> CDA provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> CDA provided and supports original appraised value. As this is the 2nd valuation product, per the rating agencies this is graded as a non-material EV2. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2002075 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002075 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The kitchen for the subject property is missing the refrigerator and the stove/range. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Photos provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002075 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. File contains XXXX Reconciliation Report dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016510 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016510 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not completed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016510 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016510 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1947987 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947987 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1947987 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | State HPML | XXXX | This loan failed the XX rate spread home loan test. (XX GS §24-1.1F(a)(7)) The loan is a rate spread home loan, as defined in the legislation. The loan is a non-compliant HPML. Prepayment and appraisal requirements have not been met. | Void |  | Response 1 (XX/XX/XXXX XX:XXPM)<br> Voided<br>|  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1947987 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX Tropical Storm XXXX [DR-4827-XX] with an incident period of XX/XX/XXXX– XX/XX/XXXX which is after the original appraisal date XX/XX/XXXXX. Please provide Property Inspection to confirm no damage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> PDI<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1947987 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX, which supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916082 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916082 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916082 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page 14 of 14 is missing as well as the Legal Description. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Mortgage<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916082 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916082 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916072 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916072 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916072 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The documentation in the loan file does not match for the property located at XXXX. The title and loan term sheet reflect XXXX, while the flood cert, CDA and appraisal reflect XXXX and the HOI, Lease and VOM reflect XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Flood cert, tax cert, CDA. <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> HOI<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> CDA<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Still missing corrected CDA, appraisal, HOI, Lease and VOM.<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Still missing corrected CDA, appraisal, Lease and VOM. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXAM)<br> All docs provided and address updated. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916072 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1964255 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1964255 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing Lenders Signature | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1964255 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1964255 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1948010 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1948010 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1948010 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Large Deposits/Unacceptable | XXXX | Recent large deposits were not adequately sourced and documented. XXXX #XXXX deposits $XXXX on XX/XX/XXXX, $XXXX on XX/XX/XXXX, $XXXX on XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> PER LOX funds were coming from their foreign bank account<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Statements<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Please provide a Foreign Account Statement. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1948010 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020279 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020279 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2020279 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020279 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which supports the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1916061 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916061 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916061 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXXX Hurricane XXXX (DR-4827-XX) an incident date of XX/XX/XXXX through XX/XX/XXXX which is after original appraisal date of XX/XX/XXXX. Please provide Property Inspection to confirm no damage for the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> PDI<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Still waiting on 1106<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> PDI for 1106<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> PDI received for XXXX. XXXX not provided but located next door. Still need PDI for XXXXandXXXX. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Awaiting XXXX PDI. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916061 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016852 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016852 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016852 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The loan file did not contain a copy of the origination appraisal to include the market rent schedule as required. Additional conditions may apply upon receipt and review. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Appraisal<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> appraisal <br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Apologies. <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Market rent schedule is still missing. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Document provided is not for the subject property. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016852 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2003886 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003886 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003886 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003886 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1947971 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1947971 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1947971 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1916108 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916108 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The lender agreement is not signed by lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916108 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The notary did not acknowledge the execution of the Security Instrument by providing a complete date of occurrence. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached MTG<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Corrected doc<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Recorded mortgage attached w/ signatures and changes<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Notary section on pg. 14 out of 15 only states the month and year that the notarization took place, XXXX, and does not also state the day. Please provide an updated notary section to disclose the month, day, and year; the changes must be initialed by the notary. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> The documentation provided is not sufficient to cure the finding. The Notary section on pg. 14 out of 15 has been updated to disclose the day of notarization; however, the changes have not been initialed by the notary as required. Please provide an updated notary section to disclose the month, day, and year; the changes must be initialed by the notary. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916108 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916108 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1964223 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1964223 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. the loan file is missing the following required documents/disclosures: Guaranty Agreement, Business purpose Disclosure and Occupancy Affidavit. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Section 22 of loan agreement<br>Rebuttal 3 (XX/XX/XXXX X:XXAM)<br> Business purpose covers the non-owner occupancy<br>Rebuttal 4 (XX/XX/XXXX X:XXPM)<br> non-owner occupancy cert<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Still missing Occupancy Affidavit. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Loan Agreement covers the Business Purpose Affidavit. Still missing the non-owner occupancy affidavit. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXAM)<br> Disagree. The Originator has a specific non-owner occupancy form, which is typically present in the files. (Upheld)<br>Response 4 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1964223 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an CDA, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. The loan file did not contains a CDA to support the original appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> CDA<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> New appraisal. cleared with XXXX since a second appraisal is superior product to CDA. <br>Rebuttal 3 (XX/XX/XXXX X:XXAM)<br> A second appraisal has been provided and is being allowed per client as CDA does not support.<br>Rebuttal 4 (XX/XX/XXXX X:XXPM)<br> Actual second appraisal<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> CDA does not support the appraised value within 10%. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> A second appraisal provided but only reflects an appraised value of $XXXX which is - XX% less than original appraised value. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Correct second appraisal supports. This is the 2nd secondary valuation product. Downgraded to EV2. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2009797 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009797 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009797 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which support the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009796 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Commitment attached<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Title commitment attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The referenced documentation was not received. Please provide the Title Commitment for review. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The title commitment provided is sufficient to cure the exception. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009796 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Commitment attached<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Title commitment attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009796 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1916107 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916107 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The Loan agreement addendum is missing the lenders signature. | Acknowledged | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The Quit Claim provided does not address the finding.(Acknowledged)<br>|  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1916107 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, individually, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX, individually to XXX LLC. is required to confirm ownership interest in the new mortgage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Final Title policy<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Deed<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Title Policy provided reflects the current Borrower. Please provide the warranty deed or quit claim deed showing the transfer of vesting from the individual to the LLC prior to issuing the Title Policy. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1916107 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1916107 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995056 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995056 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995056 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The address on the appraisal address of XXXX does not match the subject property address listed on the title for the property located at XXXX. Further, the hazard insurance lists the address as XXXX, rather than XXXX. as per title. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Updated appraisal<br>Rebuttal 2 XX/XX/XXXX X:XXPM)<br> HOI<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Please update the Hazard as well. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995056 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995057 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995057 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995057 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995057 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020278 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application due to the following: There was no application date. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). ?Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020278 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a XXXX. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020278 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The hazard insurance policy provided did not indicate that wind coverage was included as required by the investor guidelines. Proof of wind coverage was missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Wind/Hail coverage listed as included in the remarks box of the EOI beneath the premium for the policy.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020278 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009795 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2009795 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2009795 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2009794 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2009794 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2009794 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993172 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993172 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993172 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993172 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993175 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993175 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1993175 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | Guidelines require a current and active lease with a minimum term of X months. The lease included in the file covers a period beginning on XX/XX/XXXX and terminating on XX/XX/XXXX, which is prior to the start date.. It appears that the termination date is a typo and should be corrected to XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Corrected lease<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1993175 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020277 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020277 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020277 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per the investor guidelines, appraisal must contain at least 3 comparable sales in the same zip code or within 1 mile of the subject property. Subject's appraisal contained 3 comparable sales with distance of comps ranging from XX to XX miles from the subject and all located in a different zip code than the subject property. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> - As seen on page 20 of the appraisal, there is a lack of 2-4 unit properties in the immediate area of the subject property. The appraiser needed to expand his normal parameters to find other 2-unit comps. - CDA came back with no variance. - Loan was leveraged at 70 LTV to mitigate the risk of further than desired comps.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Exception request form attached<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Investor has approved to waive.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> An Investor exception will be required. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Awaiting Investor exception approval. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Investor approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, reserves $XXXX, DSCR X and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020277 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The investor guidelines required a UCC for the State and County to be executed/filed as part of the Required Executed Documents Required to Close. The required UCC was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Marked-up title commitment showing all requirements were removed at closing and will not appear on the final title policy.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020277 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995054 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995054 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with Title. Title reflects the current Vested Interest as XXXX; however, the Security Interest reflects the Vested Interest as XXXX LLC. There was no evidence of a transfer deed to support the change in Vested Interest. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Deed<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995054 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995054 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020275 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020275 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020275 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The investor guidelines required an executed W9 for the entity. The W9 for XXXX LLC was not provided as required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> W9 for XXXX LLC attached.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020275 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016511 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016511 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016511 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The lease provided is not executed by the landlord. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Both entities owned by guarantor as they self manage<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Lease was docusigned by XXXX, who is part owner of the management company <br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Please re-review, there is a landlord signature at the bottom of page 15<br>Rebuttal 4 (XX/XX/XXXX X:XXPM)<br> XXXX and XXXX are both part of the entity that manages the properties, this is acceptable for XXXX guidelines<br>Rebuttal 5 (XX/XX/XXXX X:XXPM)<br> This lease has XXXX signature at the bottom of pg 15 in the Landlord section.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Landlord signature is still missing from lease. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> To clarify, the lease is only signed by the tenant. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXAM)<br> The Operating Agreement was provided in rebuttal with XXXX's signature. Unable to locate a lease in file or at rebuttal with XXXX's signature. (Upheld)<br>Response 4 (XX/XX/XXXX X:XXAM)<br> XXXX did not sign the lease either. The landlord section is blank. (Upheld)<br>Response 5 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016511 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993171 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993171 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1993171 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Per Lender's guides, the borrower is required to verify X months of reserves. The borrower was required to verify $XXXX, which includes X months $XXXX, reserves $XXXX, CTC $XXXX and, EMD $XXXX. However, the borrower verified $XXXX. Therefore, the borrower is short $XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Multiple files should have been uploaded that show source of EMD<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> All docs pertaining to EMD sourcing should have been in the intial image upload, where they not recieved?<br>Rebuttal 3 (XX/XX/XXXX X:XXAM)<br> All EMD docs<br>Rebuttal 4 (XX/XX/XXXX XX:XXPM)<br> SLV<br>Rebuttal 5 (XX/XX/XXXX X:XXAM)<br> Investor waiver granted.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Only 1 document received in rebuttal, which does not support higher assets. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> According to the documentation: Required: $XXXX EMD + $XXXX Cash to Close + $XXXX reserves = $XXXX Required. Available: Cleared EMD's $XXXX + $XXXX + $XXXX + XXXX $XXXX + XXXX $XXXX = $XXXX Available. Shortage $XXXX. (Upheld)<br>Response 3 XX/XX/XXXX X:XXAM)<br> All documents received in rebuttal are available in file. Without additional assets, the $XXXXshortage remains. (Upheld)<br>Response 4 (XX/XX/XXXX X:XXAM)<br> Exception must be granted by Investor. (Upheld)<br>Response 5 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. X DSCR. Experienced Investor. |  | 3 | 1 | 3 | 2 |
| XXXX | 1993171 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020276 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020276 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2020276 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020276 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX and XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995055 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995055 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995055 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995055 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1980287 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1980287 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1980287 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the Title. Title reflects current Vested Interest as a different Entity than what is reflected on the Security Instrument and there is no evidence of a Deed in the loan file for the change. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Deed<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1980287 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1980287 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993173 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993173 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993173 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993173 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012800 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012800 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012800 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016853 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016853 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Borrower did not provide a date. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached Note doc<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016853 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016853 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with Title. The Entity Listed on the Security Instrument is not the same Entity reflected as current vested on Title. Although there was a Transfer Deed in the loan file to support the change in Vested Interest it was not executed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached executed DEED<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016853 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016853 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016509 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016509 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016509 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007340 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007340 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007340 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007340 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007329 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007329 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007329 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007329 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996982 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996982 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996982 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996982 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993170 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993170 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993170 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993170 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993170 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993166 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993166 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993166 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993166 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007341 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007341 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007341 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007341 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993167 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993167 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The notary for the Note is dated XX/XX/XXXX; however, based on other notarized documents, the notary should reflect XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Note<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1993167 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1993167 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993167 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2012799 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012799 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012799 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019588 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019588 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: Borrower did not provide a date. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Note Doc attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 2 | 3 | 2 |
| XXXX | 2019588 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019588 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Borrower did not provide a date. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019588 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019588 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993164 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993164 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993164 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993164 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012797 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012797 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012797 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019587 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019587 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019587 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993161 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993161 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993161 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993161 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016508 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016508 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016508 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The lease provided is not executed by the landlord. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Both entities own by same borrower, is self managed<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Lease was docusigned by XXXX, who is part owner of the management company<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Please rereview, the lease is clearly signed by the land lord on page 15<br>Rebuttal 4 (XX/XX/XXXX X:XXPM)<br> XXXX and XXXX are both part of the entity that manages the properties, this is acceptable for XXXX guidelines<br>Rebuttal 5 (XX/XX/XXXX X:XXPM)<br> lease w/ XXXX signature on pg 15<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Landlord signature is still missing from lease. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> To clarify, only the tenant signed the lease. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXAM)<br> Operating agreement in rebuttal signed by XXXX. Documentation received in rebuttal and in file does not reflect XXXXs signature on lease. (Upheld)<br>Response 4 (XX/XX/XXXX X:XXAM)<br> XXXX did no sign the lease. The landlord section is blank. (Upheld)<br>Response 5 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016508 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993159 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993159 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993159 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993159 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016854 | 1 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016854 | 2 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016854 | 3 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects a borrower name of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2016854 | 4 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Identification | XXXX | The photo identification for XXXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016854 | 5 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower, XXXX, whom signed the note, passed the OFAC screening process. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016854 | 6 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016854 | 7 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check and lien and judgment search for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016854 | 8 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Guaranty signed by the Borrower XXXX, manager of the entity whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016854 | 9 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing for the borrower XXXX, whom signed the note. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016854 | 10 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1996978 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996978 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996978 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996978 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003883 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003883 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003883 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016855 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016855 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016855 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The guidelines require valid Certificates of Formation (Articles of Organization / Incorporation). The Articles of Organization or formation are not present in the loan file for the borrowing entity XXXX, LLC. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please check attached<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> What address defect is being cited, please elaborate<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Articles for Property XXXX<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Name change received does not address defect. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Articles of Organization was the required document. A change of address request was received. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016855 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The Co-Borrower's credit report reflects 3x30 mortgage late dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The loan file contains a letter from the Co-Borrower for the XXXX late payment; however, a letter of explanation for the other 2 late payments in the previous 24 months is missing from the loan file as required per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please check attached<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> LOX attached. What else is needed on our side here<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> LOX for XXXX or XXXX<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Exception must ne granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Explanation for the X/XXXX and XX/XXXX mortgage late payments is required. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016855 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1993163 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993163 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993163 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993163 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007327 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007327 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. The settlement statement did not list all XXXX property addresses and the addendum is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007327 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007327 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007327 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995052 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995052 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995052 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995052 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016850 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016850 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016850 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file does not contain any loan application. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> see attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016850 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2012798 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012798 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012798 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was notexecuted by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012798 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012798 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012794 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012794 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012794 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012794 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019586 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019586 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019586 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The Co-Borrower's credit report reflects 3x30 mortgage late dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The loan file is missing a letter of explanation from the Borrower as required per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> please check attached<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> LOX for lates<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019586 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007313 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007313 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007313 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007313 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012793 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012793 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012793 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012793 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993155 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993155 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993155 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993155 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007309 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007309 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007309 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007324 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007324 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007324 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007324 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995053 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995053 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The date of acknowledgment was not disclosed on page 5. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Note<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995053 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995053 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995053 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2012795 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012795 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012795 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012795 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996975 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996975 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996975 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007314 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007314 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007314 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007314 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993156 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993156 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993156 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993156 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993157 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993157 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993157 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993157 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016849 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016849 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the Note are incomplete: Pages 2-14 and 17 of the Loan Agreement were missing. Additionally, the date that the borrowers executed the Loan Agreement was not reflected. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Loan Agreement<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> uploaded<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Note has been provided. Please provide a completed Loan agreement for review. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016849 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016849 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016849 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2003881 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003881 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003881 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003881 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993151 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993151 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993151 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993151 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007310 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007310 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007310 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007310 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012796 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012796 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012796 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012796 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007312 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007312 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007312 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007312 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993152 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993152 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993152 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993152 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012790 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012790 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012790 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012790 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016848 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016848 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Federal Threshold and State Threshold. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached HUD<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016848 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016848 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The vested interest on the security instrument is inconsistent with the title. There is no evidence in the loan file that the vested interest on the title deeded the property to the borrower. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached DEED<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016848 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing HUD | XXXX | The loan file is missing the HUD/Settlement Statement as required. The subject is a purchase. The correct funds to close could not be determined at audit. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016848 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007307 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007307 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007307 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007307 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, XX/XX/XXXX dated which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993149 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993149 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993149 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993149 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016507 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016507 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016507 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016507 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993148 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993148 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993148 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993148 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995049 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995049 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995049 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995049 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016851 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016851 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016851 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Guidelines state a month-to-month lease requires a letter of explanation confirming long term intent. A letter of explanation is on file but is not signed by the borrower. Provide a signed letter of explanation to confirm long term intent. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see uploaded stated it is not MTM<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Affidavit pt 6 shows 12 month lease<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016851 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2012789 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012789 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012789 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007297 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007297 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007297 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007297 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012791 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012791 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012791 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012791 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993141 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993141 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993141 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993141 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007298 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007298 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007298 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007298 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016506 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016506 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016506 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016506 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016847 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016847 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016847 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan closed as a cash out refinance of an investment property, and the loan file did not contain an executed Business Purpose Affidavit as required per the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached Loan agreement. Please check Sec 22<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016847 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan closed in an LLC with the borrower as a sole member; however, the loan file did not contain a Personal Guaranty as required per the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016847 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing as required per the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016847 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2003882 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2003882 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Co-Borrower, XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Loan agrmt<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2003882 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Executed loan agreement<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2003882 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Note was not executed by the Co-Borrower, XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Note<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2003882 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Security Instrument was not executed by the Co-Borrower, XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> MTG<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2003882 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. Required documents in the loan file are missing signatures from the co-borrower. The loan Guaranty and the Occupancy Affidavit were not signed by the co-borrower as required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> GTY<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Please check attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Still missing Occupancy Affidavit. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2003882 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016846 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016846 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016846 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016846 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX - XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012792 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012792 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012792 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012792 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993142 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993142 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993142 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016845 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016845 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was notexecuted by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016845 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | An OFAC check is required within 45 days of the Note date. The loan file contains an OFAC for the borrower; however, it was pulled XX/XX/XXXX and expires XX/XX/XXXX. The subject Note date is XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> OFAC<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016845 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995048 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995048 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995048 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995048 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995046 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995046 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995046 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995046 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supported value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995047 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995047 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995047 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995047 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993146 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993146 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993146 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993146 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016844 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016844 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines the property must be leased at time of closing-the appraisal verifies the subject is vacant. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> SLV<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Client approved to waive.<br>| Response 1 (XX/XX/XXXX XX:XXAM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Client approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, reserves $XXXX, DSCR X and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2016844 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016842 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016842 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The Lender's Guidelines for a XXXX unit property required that no more than XXXX unit be vacant at origination. Per the appraisal, both units were vacant, and no lease was provided for either unit. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached SLV doc<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Recent guideline change allows vacant property coming out of rehab. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016842 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016841 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016841 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. Page 2 of the HUD is missing. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016841 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016841 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing HUD | XXXX | Missing HUD as required. Page 2 of the final HUD is missing from the file. Unable to determine loan payoffs and additional costs associated with the loan. Additional conditions may apply after receipt. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016841 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007282 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance - Escrow Notice | XXXX | The loan was subject to Flood Insurance and the Notice of Requirement to Escrow Flood Insurance Premiums is missing. National Flood Insurance Act (NFIA) & Implementing Regulations 42 USC 4012a(d) // 12 CFR 208.25(e)(2). Although a Flood Notice was provided in the loan file it cannot be determine if it was provided to the Borrower due to missing Borrower and Loan Information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007282 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007282 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007282 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012785 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012785 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012785 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012785 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019585 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019585 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: TheLoan Agreement was not executed by the Lender | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019585 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed X% of coverage amount. Coverage is $XXXX and hurricane deductible was $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Updated HOI coverage provided and deductible is now 5% meeting client overlay. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019585 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019582 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019582 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019582 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed X% of coverage amount. Coverage is $XXXX and hurricane deductible was $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Updated HOI with a 5% deductible provided and meets client overlay. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019582 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2012786 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012786 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012786 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012786 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007279 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007279 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007279 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007279 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX and XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007280 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007280 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007280 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007280 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995045 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995045 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995045 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995045 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007278 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007278 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007278 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007276 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007276 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007276 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007276 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993137 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Not is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993137 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993137 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016840 | 1 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016840 | 2 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016840 | 3 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects a borrower name of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2016840 | 4 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Identification | XXXX | The photo identification for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016840 | 5 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower, XXXX, whom signed the note, passed the OFAC screening process. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016840 | 6 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016840 | 7 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check and lien and judgment search for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016840 | 8 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Guaranty signed by the Borrower XXXX, manager of the entity whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016840 | 9 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing for the borrower XXXX, whom signed the note. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016840 | 10 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1996980 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996980 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996980 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016502 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016502 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016502 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016502 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996981 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996981 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996981 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996981 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003880 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003880 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan agreement is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003880 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003880 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA dated 1.7.25 provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996984 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996984 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996984 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996984 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016843 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016843 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016843 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The loan file contained aXXXX report that reflected a Judgement in the amount of $XXXX filed in XX/XX/XXXX that did not reflect a release date. The loan file did not contain documentation evidencing the judgement was released or paid at closing as required per the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Occurred in 2008. RCN is unable to locate record of this and Credit Report states no Lien nor Judgements, please waive<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Judgement would no longer be viable after 17 years. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016843 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007275 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007275 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 17 of 17 of the Loan Agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007275 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007275 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016837 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016837 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Mortgage History - Missing/Incomplete | XXXX | According to guidelines on a refinance transaction a payoff and payment history are required. The loan file contains a payoff; however, no payment history was provided. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Note open for 5 months with interest only payments. No delinquent items reflected on payoff. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016837 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2012788 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012788 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012788 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012788 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003877 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003877 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003877 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003877 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003878 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003878 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003878 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003878 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016836 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016836 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016836 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal XXXX LLC does not match other loan file documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016836 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007366 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007366 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007366 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007366 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016838 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2016838 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 4 | 2 |
| XXXX | 2016838 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Bank Statements | XXXX | The bank and/or asset statements are incomplete. The loan file contains a bank statement for XXXX acct #XXXX with a date of XX/XX/XXXX, the bank statement consists of pages 1-10 of 32. The remainder of the pages are missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The last pages are disclosures. The bank statement provided shows the total value of the account, the activity in the account, and the time range of the account. Please waive<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 4 | 1 | 4 | 2 |
| XXXX | 2016838 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 2 |
| XXXX | 2016501 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016501 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016501 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016501 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993133 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993133 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993133 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016839 | 1 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016839 | 2 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016839 | 3 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects a borrower name of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2016839 | 4 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Identification | XXXX | The photo identification for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> XXXX is a non-Guarantor member. Photo identification is not required. Please waive this exception.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Unable to determine without the Guaranty Agreement. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016839 | 5 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower, XXXX, whom signed the note, passed the OFAC screening process. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016839 | 6 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016839 | 7 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check and lien and judgment search for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> XXXX is a non-Guarantor member. Background report is not required. Please waive this exception.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Unable to determine without the Guaranty Agreement. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016839 | 8 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Guaranty signed by the Borrower XXXX, manager of the entity whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016839 | 9 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing for the borrower XXXX, whom signed the note. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016839 | 10 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016835 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016835 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject loan is determined to be a purchase under the Delayed Financing guidelines; however, the loan file is missing the original purchase HUD1 Settlement Statement and the Scope of Work to document the renovations for the value increase to $XXXX from the original purchase price of $XXXX in less than 90 days as per guideline requirements. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached Purchase HUD and we don't require Rehab budget.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Explanation and documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016835 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject property is an investment property; however, the loan file is missing the Property Management Questionnaire as required per the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016835 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016832 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016832 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing Lenders Signature | Cleared |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016832 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file is missing the final Closing disclosure. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016832 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016503 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016503 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016503 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016503 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012787 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012787 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 17 of 17 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012787 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012787 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012781 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012781 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012781 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012781 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012782 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 17 of 17 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012782 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012782 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012784 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012784 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012784 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012784 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012783 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012783 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012783 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012783 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993131 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993131 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1993131 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1993131 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003876 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003876 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003876 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value.i | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019583 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019583 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019583 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed X% of coverage amount. Coverage is $XXXX and hurricane deductible was $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Updated HOI provided with 5% deductible meeting client overlay. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019583 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019584 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019584 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019584 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. Coverage is $XXXX and hurricane deductible was $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Updated HOI provided with 5% deductible meeting client overlay. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019584 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019581 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019581 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019581 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | The file was missing the appraisal for the subject property, verifying the appraised value noted on the CDA of $XXXX, including the comparable rent schedule verifying the estimated market rents of $XXXX. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> CDA<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Appraisal<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Still missing appraisal. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019581 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. Coverage is $XXXX and hurricane deductible was $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Updated HOI provided with 5% deductible meeting client overlay. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019581 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value which was noted on the CDA (secondary appraisal product) was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2012777 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012777 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012777 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012777 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007362 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007362 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007362 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007362 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007361 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing Lenders Signature | Cleared |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007361 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007361 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995043 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995043 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995043 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995043 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003874 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003874 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2003874 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2003874 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012780 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012780 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012780 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012780 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007354 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007354 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007354 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007354 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007352 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007352 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007352 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007352 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012779 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012779 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012779 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012779 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs dated XX/XX/XXXX, which support the original appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016500 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016500 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016500 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016500 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019579 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019579 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019579 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019579 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016833 | 1 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016833 | 2 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016833 | 3 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects a borrower name of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2016833 | 4 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Identification | XXXX | The photo identification for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016833 | 5 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower, XXXX, whom signed the note, passed the OFAC screening process. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016833 | 6 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016833 | 7 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check and lien and judgment search for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016833 | 8 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Guaranty signed by the Borrower XXXX, manager of the entity whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016833 | 9 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing for the borrower XXXX, whom signed the note. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016833 | 10 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019577 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019577 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019577 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019577 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012778 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012778 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012778 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012778 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012773 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012773 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012773 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012773 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016834 | 1 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016834 | 2 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016834 | 3 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects a borrower name of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2016834 | 4 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Identification | XXXX | The photo identification for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016834 | 5 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower, XXXX, whom signed the note, passed the OFAC screening process. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016834 | 6 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016834 | 7 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check and lien and judgment search for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016834 | 8 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Guaranty signed by the Borrower XXXX, manager of the entity whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016834 | 9 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing for the borrower XXXX, whom signed the note. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016834 | 10 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019580 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019580 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019580 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012776 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012776 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012776 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016830 | 1 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016830 | 2 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016830 | 3 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The appraisal reflects a borrower name of XXXX. The note reflects a borrower name of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2016830 | 4 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Borrower - Identification | XXXX | The photo identification for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016830 | 5 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The loan file does not contain evidence the Borrower, XXXX, whom signed the note, passed the OFAC screening process. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016830 | 6 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The credit report for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016830 | 7 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. The background check and lien and judgment search for XXXX, whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016830 | 8 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The Guaranty signed by the Borrower XXXX, manager of the entity whom signed the note, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016830 | 9 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing for the borrower XXXX, whom signed the note. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The loan documents were donecorrectly at the time that the loans were closed. At the time these loanswere closed, XXXX, XXXX and XXXX were members,but only XXXX was the manager. As the manager, under the OperatingAgreement, he was the proper person to execute the loan documents on behalf ofthe entity. Under our guidelines, he was not required to guarantee theloan and, therefore, did not. XXXX signed the guaranty asthe majority member.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review,according to the correspondent guidelines a Guarantor must own at least 51% ofthe entity and in this case, it was XXXX that signed the guaranty agreementrequired by GL's. The operating agreement states the manager has the authority tomanage business and affairs. They are the only ones authorized to sign onbehalf of the entity. GL's state the Guarantor needs to qualify and the operatingagreement states only the manager can sign the legal documents and this is whatoccurred. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016830 | 10 of 10 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2007351 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007351 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007351 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2007347 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007347 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007347 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007347 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019578 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019578 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019578 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019578 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007346 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007346 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007346 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007346 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996967 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1996967 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Page 16 of the Loan Agreement is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please check attahced<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1996967 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1996967 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1996983 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996983 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1996983 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1996983 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007338 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007338 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007338 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007338 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supportive of value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012774 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012774 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012774 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012774 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012775 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement Addendum is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012775 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012775 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007336 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007336 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007336 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007336 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012769 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012769 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012769 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007334 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007334 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007334 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007334 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012772 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012772 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: the loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012772 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012772 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016505 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016505 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016505 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016828 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016828 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Occupancy Verification or Affidavit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Plese review section 22 of Loan agreement (attached)<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016828 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Federal Threshold and State Threshold. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> HUD<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016828 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement addendumis missing the lenders signature. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Loan Agreement provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2016828 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Deed of Trust<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2016828 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The final HUD is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016828 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2012770 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012770 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012770 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007333 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007333 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 17 of 17 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007333 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007333 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016829 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The notary for the co-borrower is missing the date. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Note<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016829 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016829 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The name of the person who personally appeared before the Notary is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> DEED<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016829 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016829 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016831 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016831 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Investor guidelines require the Property Management Questionnaire to be completed by either the borrower if self managed or the professional third party property manager being used to manage the subject property. The property management Questionnaire provided in the loan file is signed by the borrower. The lease provided is by XXXX and signed by XXXX as the Lessor. The loan file does not contain a Property Management Agreement for the subject property or any documentation supporting the signer of the Property Management Questionnaire is the property manager. The lease is also not acceptable due to the missing property management agreement as investor guidelines require the lease to be in the name of a member of the Borrowing entity or their verified property manager/ landlord. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached Operating Agreement for XXXX, Where borrower is solo owner of it. This Exception could be waived and also XXXX is heavy repeat borrowers .<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> OA<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016831 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed X% of coverage amount. The loan file contains a hazard insurance policy with sufficient coverage for the dwelling however the deductible does not meet investor guidelines. The hazard insurance policy provided includes dwelling coverage of $XXXX with a $XXXX deductible. Investor guidelines require the deductible to not exceed 5% of the limit maintained for the building coverage. In this case the deductible can not exceed $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Color from insurance agent<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016831 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016825 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016825 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Investor guidelines require the Property Management Questionnaire to be completed by either the borrower if self managed or the professional third party property manager being used to manage the subject property. The property management Questionnaire provided in the loan file is signed by the borrower. The lease provided is by XXXX and signed by XXXX as the Lessor. The loan file does not contain a Property Management Agreement for the subject property or any documentation supporting the signer of the Property Management Questionnaire is the property manager. The lease is also not acceptable due to the missing property management agreement as investor guidelines require the lease to be in the name of a member of the Borrowing entity or their verified property manager/ landlord. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached Operating agreement of XXXX. PMA is not required here, Borrower is only member in XXXX. please waive this exception<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016825 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. The loan file contains a hazard insurance policy with sufficient coverage for the dwelling however the deductible does not meet investor guidelines. The hazard insurance policy provided includes dwelling coverage of $XXXX with a $XXXX deductible. Investor guidelines require the deductible to not exceed 5% of the limit maintained for the building coverage. In this case the deductible can not exceed $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Color from insurance agent<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016825 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016827 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016827 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Investor guidelines require the Property Management Questionnaire to be completed by either the borrower if self managed or the professional third party property manager being used to manage the subject property. The property management Questionnaire provided in the loan file is signed by the borrower. The lease provided is by XXXX and signed by XXXX as the Lessor. The loan file does not contain a Property Management Agreement for the subject property or any documentation supporting the signer of the Property Management Questionnaire is the property manager. The lease is also not acceptable due to the missing property management agreement as investor guidelines require the lease to be in the name of a member of the Borrowing entity or their verified property manager/ landlord. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached Operating agreement of XXXX. PMA is not required here, Borrower is only member in XXXX. please waive this exception.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016827 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. The loan file contains a hazard insurance policy with sufficient coverage for the dwelling however the deductible does not meet investor guidelines. The hazard insurance policy provided includes dwelling coverage of $XXXX with a $XXXX deductible. Investor guidelines require the deductible to not exceed 5% of the limit maintained for the building coverage. In this case the deductible can not exceed $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Color from insurance agent<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016827 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which did not support original appraised value. Lender guidelines allow for the lower of the valuation value to be used for LTV purposes. Per the rating agencies this would be an EV2 grading. | Cleared |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2012771 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012771 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012771 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012771 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016504 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016504 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016504 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016504 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007320 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007320 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007320 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016824 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016824 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016824 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The subject appraisal reflects the lender/client to be "XXXX, LLC".According to the note the lender is "XXXX, LLC". The loan file did not contain a transfer letter. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Updated appraisals<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016824 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016495 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016495 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016495 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016495 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016826 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016826 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | Missing the following Business purpose documentation: Occupancy affidavit | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Loan Agreement <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016826 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Federal Threshold and State Threshold. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> HUD<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016826 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following sections of the note are incomplete: The Loan agreement is missing | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Note<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016826 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file is missing the Final HUD-1 statement for the subject transaction. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> HUD<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016826 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Investor guidelines require a XXXX unit refinance transaction to have at least XXXX unit leased. Investor guidelines also state units which were recently leased (verified within 60 days of the subject loan) but are now vacant may be considered as leased with adequate verification. The loan file does not contain any verification supports the newly signed lease. The home is not considered newly renovated due to the purchase date of X/X and the subject noted dated of X/X/XXXX (189 days which is over the 180 day indicated in the guidelines to be considered a newly renovated property. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> we have active lease agreement and Attached<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> There is a lease in file, please see attached.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016826 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2012765 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012765 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The loan agreement is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012765 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012765 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019573 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019573 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019573 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance deductible over allowed 5% of coverage amount. | XXXX | Deductible over the allowed 5% of coverage amount. The Hazard Insurance Evidence did not reflect the amount of the deductible for the policy as required to verify it meets guideline requirements. | Void | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Deductible is only $XXXX.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Upon further review the HOI only reflects a deductible of $XXXX. (Void)<br>|  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019573 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019575 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019575 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019575 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019575 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007318 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement addendum is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007318 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007318 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007317 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: the Loan Agreement addendum is not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007317 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007317 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019576 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019576 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019576 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019576 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007316 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing Lenders Signature | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007316 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007316 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016494 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016494 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016494 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012766 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012766 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012766 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012766 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016821 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016821 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016821 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The cash-out refinance HUD in file reflected a $XXXX loan amount, total cost of $XXXX, and cash to the borrower of $XXXX. The prior purchase HUD, Promissory Note, and Title Commitment reflected that there was an outstanding mortgage in the amount of $XXXX payable to XXXX LLC. Evidence that said mortgage was paid off was missing from the file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016821 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016823 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016823 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: page 16 of 16 of the loan agreement is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016823 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016823 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2007287 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007287 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007287 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007287 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016822 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016822 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Credit report for the Guarantor was not provided as required. It should be noted that the borrower lives in XXXX; however, a US passport for the borrower was provided (not a foreign national). | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Guarantor resides in XXXX per application. Guarantor is a XXXX citizen living abroad and could not generate credit report to provide a valid score. For this reason, loan is being priced as a foreign national. Guarantor has sufficient assets to meet liquidity requirements prior to any cash out. Please waive this exception.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> We attempted to pull the credit report but there wasnt enough history<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The borrower is XXXX born with a Social Security Number. He has a XXXX bank account. An attempt was not made to pull a credit report. Pricing as a Foreign National is acknowledged; however, an Investor exception will be required for this scenario. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The attempt and results is acknowledged. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016822 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for the Borrower / Guarantor to include litigation, criminal history and judgement/lien searches. It should be noted that the borrower lives in XXXX and provided his US passport (not a foreign national). | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Guarantor resides in XXXX per application. Guarantor is a XXXX citizen living abroad and could not generate credit report and background report. For this reason, loan is being priced as a foreign national. Guarantor has sufficient assets to meet liquidity requirements prior to any cash out. Please waive this exception.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> This is all there is for a background on them. There isnt history to support much. <br>| Response 1 (XX/XX/XXXX XX:XXAM)<br> The borrower is XXXX born with a Social Security Number. He has a XXXX bank account. An attempt was not made to pull a background report. Pricing as a Foreign National is acknowledged; however, an Investor exception will be required for this scenario. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The attempt and results is acknowledged. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016822 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019574 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019574 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019574 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016496 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016496 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016496 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016496 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012767 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012767 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012767 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012767 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019571 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019571 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019571 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019571 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007299 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007299 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007299 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007299 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016820 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016820 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016820 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The appraisal was completed in the name of XXXX LLC. The appraisal transfer letter to XXXX, LLC was missing from the file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016820 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The Property Management Agreement in file is not executed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> uploaded<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016820 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016497 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016497 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016497 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016499 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016499 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016499 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016499 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016498 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016498 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016498 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016498 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019572 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019572 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | Security Instrument - Inaccurate. The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019572 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019572 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012768 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012768 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012768 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012768 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019569 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019569 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019569 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016490 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016490 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016490 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016490 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016488 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016488 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Lender's signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016488 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016488 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007288 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007288 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007288 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007288 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012763 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012763 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012763 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012763 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016819 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Loan Agreement Addendum is missing Lenders Signature | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Loan Agreement<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016819 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016819 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016492 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016492 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016492 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The loan is a 30 year fixed close-end product. The Open-end form was utilized for the Security Instrument when a Close-end form should have been used; however, the Security Instrument covers the correct debt and terms. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016492 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016492 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007289 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007289 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note are incomplete: Page 16 of 16 of the loan agreement is missing the date, lender signature and the notary information. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007289 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007289 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007286 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007286 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007286 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007286 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012764 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012764 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement addendum is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2012764 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2012764 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019570 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019570 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | HELOC - Closure Letter | XXXX | The subject paid off a first mortgage with XXXX Services, account #XXXX . The title commitment indicated that this mortgage was a revolving credit line mortgage and required all credit cards and or the balance of verified unused account check be sent to the lender with a letter signed by the mortgagor instructing the lender to close the account. The required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Revolving credit line closing <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Email from title company that HELOC was closed provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019570 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019567 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019567 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | HELOC - Closure Letter | XXXX | The subject paid off a first mortgage with XXXX Services, account #XXXX. The title commitment indicated that this mortgage was a revolving credit line mortgage and required all credit cards and or the balance of verified unused account check be sent to the lender with a letter signed by the mortgagor instructing the lender to close the account. The required documentation was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Closing of revolving credit <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Email from title company stating HELOC was closed provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019567 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016489 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016489 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016489 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016489 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016493 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016493 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016493 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016493 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016491 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016491 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016491 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016491 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007283 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007283 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2007283 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2007283 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016486 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016486 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016486 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016486 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016485 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016485 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016485 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016487 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016487 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016487 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016487 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019568 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019568 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019568 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019568 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016482 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016482 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016482 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016482 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016483 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016483 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016483 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016483 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016484 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016484 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016484 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016484 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016480 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016480 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016480 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016480 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016476 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016476 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016476 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016481 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016481 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is missing the Lender's Signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016481 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016481 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016479 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016479 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Lender Agreement is not signed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016479 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016479 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016477 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016477 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016477 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016478 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016478 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016478 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016478 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019565 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019565 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019565 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019565 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016475 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016475 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016475 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016475 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016470 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016470 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016470 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016470 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The Loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016471 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016471 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016471 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016471 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016474 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016474 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016474 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016474 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019566 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019566 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019566 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019566 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016473 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016473 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016473 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016473 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016472 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016472 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016472 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016472 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016467 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016467 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016467 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016467 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016464 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016464 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016464 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016466 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016466 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016466 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016466 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019564 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2019564 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2019564 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The loan file did not contain the required credit report. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2019564 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016465 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016465 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016465 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016465 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016469 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016469 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016469 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016468 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016468 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section(s) of the Note is incomplete: The Loan Agreement is not signed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016468 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016468 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019563 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019563 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019563 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019563 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019561 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019561 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019561 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016463 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016463 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016463 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016458 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016458 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016458 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016458 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016459 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016459 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016459 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016459 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019562 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019562 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019562 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019562 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains CDAs, dated XX/XX/XXXX which supports the appraised values. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016461 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016461 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016461 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016461 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019560 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019560 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019560 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019560 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016460 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016460 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016460 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016462 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016462 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016462 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016462 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016457 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016457 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016457 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016457 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016452 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016452 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016452 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016452 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019558 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019558 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019558 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019558 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016453 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016453 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016453 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016453 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019559 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019559 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019559 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019559 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019557 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Incomplete | XXXX | The settlement statement is either incomplete or incorrect. The final settlement statement signed on XX/XX/XXXX listed a $XXXX Appraisal Fee. This fee should be marked as a Loan Origination Fee. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019557 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019557 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019557 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016455 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016455 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016455 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016455 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019555 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019555 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019555 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019555 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019556 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019556 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2019556 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2019556 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016456 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016456 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016456 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016454 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016454 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016454 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016454 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1701357 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1701357 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The LTV does not meet the program eligibility guidelines. Per program guidelines, for loans with a DSCR under X and a FICO over XXX, the maximum LTV for a Rate/Term refinance is XX%. The subject loan closed with a DSCR of XX, a FICO of XX and an LTV of XX%, which is above the maximum allowed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Per UW, the loan had X% for DSCR at Clear to Close. With updated taxes and insurance. Just at X%.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Per UW manager, a XXXX rent report (rent range) was used for the DSCR, attached.<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Executive Summary attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> DSCR is XX. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Executive Summary citing the allowance of XXXX Rent Range to calculate DSCR is required. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1701357 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1696189 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1696189 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1696189 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1710587 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1710587 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1710587 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1923753 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1923753 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Investment Property Reserves | XXXX | The qualifying DSCR XX requires XX months PITI on the subject. Total required assets $XXXX (funds to close $XXXX plus reserves of $XXXX. Total verified assets $XXXX results in a reserve shortage of $XXXX. Sufficient reserves to meet the minimum requirement for investment properties were not verified in the file. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached Exception<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. Experienced Investor. XX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 1923753 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | Vesting in an LLC entity. A Borrowing Resolution/Corporate Resolution granting authority of signer to enter loan obligation required. The file contains the document; however, was not executed the borrower/managing member. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached Resolution<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1923753 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines. A background check is required on the entity including a search for liens and judgements and is missing from the file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached Entity Background Check<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1923753 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property Income | XXXX | The qualifying DSCR is XX using the lease agreement of $XXXX per month versus market rent $XXXX per month which requires 2 months canceled checks or deposits to support the higher rent. A portion of the monthly rental income is paid by Housing Authority of XXXX County with the borrower's portion of $XXXX per month, and was not documented in the file as required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached Rental Income documentation<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Please see attached Documentation for $XXXX payments from other Tenant XXXX<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Still missing documentation of 2 months from the tenant in the amount of $XXXX per month. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1923753 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002000 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2002000 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Appraisal Missing | XXXX | Missing required appraisal from file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002000 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Bank Statements | XXXX | Investor guidelines indicate ACH requirements for Foreign Nationals. The loan file contains the signed ACH form along with a voided check from XXXX Bank as required, but is missing a complete copy of the bank statement with all pages that is associated with the check, along with the full name of the account holder, address, account number, and routing number. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002000 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Investor guidelines state when a Foreign National is the Guarantor the borrowing entity must be held directly by a natural person with no other entity owners. The Borrowing entity for the subject loan XXXX LLC is 100% owned by XXXX (XX) Inc. which is 100% owned by the borrower. The loan file contains an email from XXXX stating the entity is approved but does not contain an exception. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please note this was an entity review that was outsourced to attorney Private Lender Law who also prepared the closing documents on this transition due to the nested entity. This was reviewed and approved as an origination exception by our senior paralegal and Lead Entity review (as indicated on the loan approval)."<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> Client has approved lender exception to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Waived per client request based on compensating factors. (Waived)<br>|  | Comp factors - DSCR XX and reserves of $XX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002000 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1873508 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1873508 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1873508 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1996912 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Certification of Non-Owner Occupancy. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Funder LOE attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1996912 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing a credit report for XX/XX/XXXX as required per investor guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Highest mid score for any qualifying guarantor is used for qualification and pricing.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Qualifying score is now XXX. XX% LTV maximum was exceeded by 5%. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1996912 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated 11/22/24 which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1978433 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only. | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1978433 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1978433 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The loan file is missing a Tri-merged credit report for Guarantor XXXX | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please note XX/XX/XXXX is a non qualifying guarantor. No application or Credit Report required. Only background.<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Exception uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> XX/XX/XXXX is a qualifying guarantor. He signed the Note. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Comp factors - FICO XXX, DSCR X and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 1978433 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The loan file is missing the Guarantor Application for XXXX | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please note XX/XX/XXXX is a non qualifying guarantor. No application or Credit Report required. Only background.<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Exception uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> XX/XX/XXXX is a qualifying guarantor. He signed the Note. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Comp factors - FICO XXX, DSCR X and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 1978433 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1996911 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Certification of Non-Owner Occupancy. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Funder LOE attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1996911 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The loan file is missing a credit report for XXXX as required per investor guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Highest mid score for any qualifying guarantor is used for qualification and pricing.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Qualifying credit score is now XXX. XX% LTV maximum was exceeded by X%. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1996911 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000672 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000672 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000672 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009738 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2009738 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal reflects XXXX., the Non-Borrowing Guarantor and should reflect XXXX., the Borrower/Guarantor. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Updated appraisal attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2009738 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2009739 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Disclosures Federal - Missing | XXXX | The file was found to be missing one or more of the federally required disclosures. The property is located in a Flood zone and the Flood Notice was not in the loan file. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2009739 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal reflects XXXX., the Non-Borrowing Guarantor and should reflect XXXX., the Borrower/Guarantor. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Updated appraisal attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009739 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009736 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2009736 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Borrower Info | XXXX | The borrower's name on the appraisal does not match other loan file documentation. The borrower's name on the appraisal reflects XXXX., the Non-Borrowing Guarantor and should reflect XXXX., the Borrower/Guarantor. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Updated appraisal attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 4 | 1 | 4 | 1 |
| XXXX | 2009736 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 4 | 1 |
| XXXX | 2000673 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX . Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000673 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance Required | XXXX | The Loan was subject to Flood Insurance and the Flood Noticewas not in the loan file. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2000673 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000673 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995605 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995605 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995605 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011703 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2011703 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to allow appraisal expiration date to be be extended to XX/XX/XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV is X% less than max LTV, Assets exceed required reserves by X months. |  | 2 | 2 | 2 | 2 |
| XXXX | 2011703 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995604 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995604 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995604 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995607 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995607 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow DSCR financing to continue for a borrower that has had 5x30x12 mortgage lates with the subject property. The DSCR program allows a 1x30x12 mortgage late against a borrower's primary residence and /or the subject property. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, assets exceed required reserves by X monnts, DSCR X% |  | 2 | 2 | 2 | 2 |
| XXXX | 1995607 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011701 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2011701 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Missing background check per guidelines for XXXX, A Series of XXXX LLC. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> background<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2011701 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines the lender will not lend to more than 2 properties located within the same neighborhood block. The borrower is financing 2 properties on the same block. No exception was provided. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> exception<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: XXX FICO, experienced investor, excess reserves |  | 3 | 2 | 3 | 2 |
| XXXX | 2011701 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow shared parcel ID with other properties. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX FICO, experienced investor, excess reserves |  | 2 | 2 | 3 | 2 |
| XXXX | 2011701 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995609 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995609 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995609 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995617 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995617 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995617 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002049 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | Note - Incomplete. The loan agreement addendum Exhibit C is not completed correctly. Borrower did not provide a date of execution. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Please see the attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002049 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2002049 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The name of the person who personally appeared before the Notary and date of acknowledgment is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Please see the attached RDOT<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Please see the attached scan<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The corrected notary page has been provided but the notary did not initial the changes made to the document attesting to the updated information. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002049 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to use the Market rent increased by 20% without proof of 6 months rental income. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: High FICO XXX, XX+ years of credit history |  | 2 | 2 | 3 | 2 |
| XXXX | 2002049 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided with amended membership vesting in entity after application date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: High FICO XXX, XX+ years of credit history |  | 2 | 2 | 3 | 2 |
| XXXX | 2002049 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995620 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995620 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995620 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011702 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2011702 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow the transaction even though 2 properties share 1 parcel ID. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating factors: XXX FICO, XXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2011702 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow the transaction when the borrower owns 2 properties in the same neighborhood. Considered non-material based on compensating factors (waived) | Waived |  |  |  | Compensating factors: XXX FICO, XXX mos reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2011702 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998374 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1998374 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the Automatic Payment Authorization (ACH) Form. Per guidelines, ACH requirements must be met on all cash out refinances with an LTV greater than XX%. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached ACH.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Form provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1998374 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002048 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 |  | 2 | 2 |
| XXXX | 2002048 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002048 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995626 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement exhibit B page is missing the date. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1995626 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1995626 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the Business Purpose Affidavit. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1995626 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1998380 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1998380 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender guidelines requires all guarantors to provide a limited application, authorization for credit, background check and ID.The loan file does not contain any of the above documentation for the non-borrowing guarantors XXXX and XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998380 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1999237 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1999237 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1999237 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1998384 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998384 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998384 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002051 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2002051 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2002051 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020316 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020316 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing the background search for the borrowing entity to include liens and judgment search. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> background<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020316 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines all guarantors must provide a limited application with name, address, DOB, SSN and citizenship, and provide an ID such as a driver's license or passport. A credit report and fraud report, along with authorization to pull, must be obtained with guarantor meeting minimum credit score requirements. The second member, XXXX, signed the Guaranty Agreement however, the file is missing all other required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> guarantor docs<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020316 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2008686 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008686 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete. The borrower's name on the Security Instrument is inconsistent with the Title. A Deed transferring ownership interest from XXXX LLC to XXXX LLC was provided to confirm ownership interest in the new mortgage; however, the deed was not executed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008686 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008686 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing for a property marked to be in a Rural Area. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, LTV XX%, DSCR XX%. |  | 2 | 2 | 3 | 2 |
| XXXX | 2008686 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1999238 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1999238 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1999238 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995634 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995634 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with the Title. Although the loan file contained a Quit Claim Deed for the transfer of Vested Interest from XXXX to XXXX the Quit Claim Deed was not fully completed, page 1 was incomplete as it was missing the execution date. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Please see the attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995634 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required XXXX and XXXX SSR's per AHL guidelines. Additional conditions may apply. | Void | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Can we please revisit this condition? There is evidence of appraisal transfer in file and guidelines state the SSR reports are not required in the event of a transfer<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Explanation received is sufficient. (Void)<br>|  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995634 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow loan to proceed for a borrower living rent free and within 25 miles of vacant subject property. Cannot verify receipt of subjects rent. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR XX%, assets exceed required reserves by X months, experienced investor. |  | 2 | 2 | 3 | 2 |
| XXXX | 1995634 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan flie contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2008689 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008689 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Signature Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to Title Commitment missing from the loan file. In addition the loan file contained a quit claim deed showing a transfer of ownership; however, the deed was not executed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008689 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008689 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing for a property marked to be in a rural area. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factor: Fico score XXX, DSCR XX%, LTV XX%. |  | 2 | 2 | 3 | 2 |
| XXXX | 2008689 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2008690 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008690 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete. The borrower's name on the Security Instrument is inconsistent with the Title. A Deed transferring ownership interest from XXXX LLC to XXXX LLC was provided to confirm ownership interest in the new mortgage; however, the deed was not executed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008690 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing for a property marked to be in a Rural Area. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XX%, DSCR XX%, Fico score XXX. |  | 2 | 2 | 3 | 2 |
| XXXX | 2008690 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008690 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002050 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002050 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002050 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008687 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2008687 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete. The borrower's name on the Security Instrument is inconsistent with the Title. A Deed transferring ownership interest from XXXX LLC to XXXX LLC was provided to confirm ownership interest in the new mortgage; however, the deed was not executed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008687 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008687 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Reserves were required in the amount of $XXXX. Per the UW Approval assets coming from cash-out proceeds on subject loan ($XXXX) plus cash out proceeds from refinance of loan #XXXX. The loan file is missing HUD for loan #XXXX verifying a minimum of cash out in the amount of $XXXX. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2008687 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow financing for a property marked to be in a Rural Area. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, twenty year credit history, DSCR XX%. |  | 2 | 2 | 3 | 2 |
| XXXX | 2008687 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1998385 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998385 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998385 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998389 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1998389 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per guidelines, appraisal SSRs are required and are missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Please see attached SSR's.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998389 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1998395 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998395 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998395 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998394 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 1998394 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | There are additional asset findings. The loan file contained a XXXX Brokerage account statement which was in the name of the non-borrowing guarantor and had a balance of $XXXX on XX/XX/XXXX. The verified assets were sufficient to cover closing costs and reserves; however, the loan file did not contain 2 month's statements as required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> 2pg explanation. XXXX is borrowers spouse. <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> please remove the XXXX account as it is not needed. per 1003 only XXXX was used.<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The loan file only contains the XXXX statement. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> To clarify, the XXXX account has the funds and there is only 1 month in file, (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Two months statements provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1998394 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The non-borrowing member of the subject entity, XXXX, signed the Guaranty Agreement in file and her assets were used to cover closing costs and reserves; however, the loan file did not contain a limited application including name, address, date of birth, social security number, and citizenship, and an authorization for a credit and background report for the non-borrowing guarantor as required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> XXXX only holds 19% ownership in the entity. We don't need guarantor docs for her<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Spouse signedthe guarantee just as a spouse, as any other spouse to a member of an entitywould. We don't provide a full guarantor package when the guarantee is signeddue to community property requirements<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> XXXX signed the guarantee and she has ownership. She is not only signing as a spouse. The documents are required. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Borrowers live in XXXX and XXXX is a Community Property State therefore finding is resolved. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1998394 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The lender provided an exception to allow for an LTV of XX% with a XXX FICO. Considered non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: DSCR over X, good credit history |  | 2 | 2 | 3 | 2 |
| XXXX | 1998394 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1995636 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995636 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The loan file is missing the required appraisal SSR's. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> See the attached SSR<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995636 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1998391 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Exhibit C of the Loan Agreement was not found in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998391 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1998391 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Flood Certificate - Incorrect | XXXX | The Flood Certificate in file for the subject property reflects the address as XXXX vs. XXXX as reflected on the Note. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998391 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1998399 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998399 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998399 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998401 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998401 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | Lender's Exception - Lender allowed the property to be located in a Rural area. Compensating factors deems as non-material. (waived) | Waived |  |  |  | Compensating factors - $XXXX residual income per month, XXX mid score, X months reserves. |  | 2 | 2 | 2 | 2 |
| XXXX | 1998401 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995646 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 1995646 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The Borrower/ Guarantor currently lives rent free and the subject property is currently vacant. The guidelines indicate a Refinance Transaction is not eligible when borrower is living rent-free, and the subject property is vacant, and is within 25 miles of the borrower's primary residence. The subject property is XXXX miles from the Borrower/Guarantor primary residence. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see the attached exception<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. Experienced Investor. XX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 1995646 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Flood Certificate - Missing | XXXX | The flood certificate is missing. It should be noted the appraisal indicates the subject property is located in Flood Zone AE. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> See the attached cert<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Please see the attached<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Please see the attached evidence of flood insurance<br>Rebuttal 4 (XX/XX/XXXX X:XXPM)<br> Attached is evidence of escrow along with correspondence confirming the account has been updated.<br>Rebuttal 5 (XX/XX/XXXX X:XXPM)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Property is in a Flood Zone. Flood Policy is missing and said policy must be escrowed. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Invoice provided. Still missing Dec Page and evidence of escrow. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Still missing evidence of escrow. (Upheld)<br>Response 4 (XX/XX/XXXX X:XXPM)<br> Escrow letter showing flood insurance has been added to escrow for subject loan provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1995646 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject property was acquired by the Borrower/Guarantor XX/XX/XXXX. The loan is a cash-out transaction and the appraisal indicates the subject property was listed for sale on XX/XX/XXXX for $XXXX and then withdrawn on XX/XX/XXXX. The guidelines indicate the listing must have been canceled 90 days prior to the Note date (XX/XX/XXXX) for a Cash Out Refinance. The XX/XX/XXXX listing withdrawal date is < 90 days prior to the XX/XX/XXXX Note Date. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached is the exception for the listing<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. Experienced Investor. XX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 1995646 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2011700 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2011700 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to accept a Private VOM without required 12 months cancelled checks as proof of timely payments. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV is less than max LTV of XX%, Assets exceed reserves required, and borrower has X+ investment properties (experienced investor). |  | 2 | 2 | 2 | 2 |
| XXXX | 2011700 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception provided to allow for a XX cash out in the state of XX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: XXX FICO, excess reserves, experienced investor. |  | 2 | 2 | 2 | 2 |
| XXXX | 2011700 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011707 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement missing the last page of Exhibit A. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see the attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2011707 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2011707 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for allowance of cash out XXXX loan in the state of XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensation Factors: Assets exceed reserves by X mo, Borrower has lived in primary for X+ years, Experienced Investor |  | 2 | 2 | 3 | 2 |
| XXXX | 2011707 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1998400 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 1998400 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The file contains a lender exception to accept transferred appraisal "as is" when underwriter requested appraiser to confirm external obsolescence (backs to a busy road) will not impact subject's marketability. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, DSCR >X, borrower has lived/owned primary residence for X+ years, owns X rental properties |  | 2 | 2 | 2 | 2 |
| XXXX | 1998400 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011704 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2011704 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The file contains a lender exception for subject LTV XX% when max is XX% due to borrower has owned investment properties for less than 12 months. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Lived in primary X+ years, DSCR greater than XXX, FICO XXX |  | 2 | 2 | 2 | 2 |
| XXXX | 2011704 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1999240 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1999240 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the signature page of the Guaranty Agreement. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1999240 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002055 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002055 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002055 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011706 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011706 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background report, including a search for liens and judgments on the entity, for XXXX Inc.. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see the attached<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Attached is the No Hit Report<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Please provide the no hit results. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011706 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020315 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020315 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020315 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008694 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008694 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008694 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008692 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008692 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete. The borrower's name on the Security Instrument is inconsistent with the Title. A Deed transferring ownership interest from XXXX LLC to XXXX LLC was provided to confirm ownership interest in the new mortgage; however, the deed was not executed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008692 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008692 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011705 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2011705 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception in file for the subject appraisal not supporting that ADU'S are common for the area, and to allow the subject to have 2 ADU's. Deemed non-material based on compensating factors (waived).. | Waived |  |  |  | Compensating Factors: Fico score XXX, assets exceed the required reserves by X months, and borrower has lived in primar for XX plus years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2011705 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011710 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011710 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per AHL guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011710 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008691 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008691 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The notary provided an acknowledgment on page 12 of the Loan Agreement; however, the notary did not update the acknowledgment date. Consummation was XX/XX/XXXX and the Loan Agreement Acknowledgment date reflects XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008691 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete. The borrower's name on the Security Instrument is inconsistent with the Title. A Deed transferring ownership interest from XXXX LLC to XXXX LLC was provided to confirm ownership interest in the new mortgage; however, the deed was not executed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008691 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008691 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020314 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020314 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020314 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020313 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020313 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | Per the guidelines, a background search including a liens and judgments search is required on the entity, XXXX LLC. The file is missing the required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020313 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2011711 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2011711 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The file is missing the required documentation for XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> XXXX qualifying credit score is below XXX. Also, XXXXwas only listed as a Loan Participant on the DRIVE Report. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XX% LTV. X months of reserves. |  | 3 | 2 | 3 | 2 |
| XXXX | 2011711 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 1998405 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1998405 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998405 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1999242 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1999242 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1999242 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020312 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2020312 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow an escrow holdback for ($XXXX.) to repair subject's settling cracks as noted by the appraiser in the initial appraisal. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: DSCR XX%, cash in hand will provide >XX months of excess reserves, borrower has lived and owned primary residence for XX plus years, borrower is experienced investor owning subject since XXXX. |  | 2 | 2 | 2 | 2 |
| XXXX | 2020312 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020308 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2020308 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for using Lease Rent which is >20% of Market Rent. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating factors: LTV XXXX% FICO XX Assets more than reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2020308 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The file contains a lender exception for property being rural. Deemed non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: LTV XX%, FICO XXX, XX months reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2020308 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020309 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2020309 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Subject appraisal was transferred from UWM. Per the guidelines, a transferred appraisal is acceptable with a transfer letter from the lender stating that the appraisal was prepared in compliance of Appraisal Independence Requirements (AIR). The transfer letter is missing the required verbiage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020309 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX transaction. AHL guidelines XXXX transactions are ineligible and require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, borrower has a XX credit history, borrower has lived and owned primary residence XXX plus years and is an experienced investor owning X rentals. |  | 2 | 2 | 3 | 2 |
| XXXX | 2020309 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002059 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2002059 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2002059 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011709 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2011709 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011709 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011708 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011708 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for non-borrowing guarantor XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Credit report is not legible. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011708 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008700 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2008700 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008700 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011714 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2011714 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guidelines require all guarantors to provide a limited application that includes name, address, date of birth, social security number, and citizenship, 2) authorization for credit report 3) background check, 4) picture ID such as driver's license, passport, or similar. The loan file is missing the required documentation for the non-borrowing guarantor, XXXX. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2011714 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow rural property. AHL guideilnes state No Rural Properties. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XX%, LTV is XX% less than max LTV. |  | 2 | 2 | 3 | 2 |
| XXXX | 2011714 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | Guidelines require liability coverage equal to $XXXX. The loan file does not contain evidence of liability coverage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2011714 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2011715 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011715 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per the guidelines, SSRs are required. The file is missing the required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see the attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011715 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008699 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008699 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report. The loan file is missing the required documentation for XXXX (50% ownership of LLC). | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008699 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011712 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011712 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 is XXXX% owner of XXXX, LLC, with a non-borrowing guarantor, XXXX who has 33.33% ownership. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership (51%). The loan file contained the signed Personal Guaranty by both guarantors as required; however, the loan file did not contain a 1) limited application that includes name, address, date of birth, social security number, and citizenship 2) authorization for credit report and 3) background check, or 4) picture ID as a driver's license, passport, or similar for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> guarantor docs<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011712 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013744 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2013744 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for subject property listing cancelled less than 90 days prior to note date. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, Bwr has lived in primary for X+ years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2013744 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to used appraisal value for property listed for sale 3 months ago vs price listed. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX, Bwr has lived in primary for X+ years. |  | 2 | 2 | 2 | 2 |
| XXXX | 2013744 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020310 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2020310 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The loan file contained documentation confirming $XXXX in assets. Total cash to close of $XXXX leaves a total of $XXXX short cash to close and $XXXX in reserves for a total asset shortage of $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Cash to close $XXXX<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Utilized the remaining $XXXXK in available HELOC funds as available assets. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020310 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | A personal Guaranty is required from one or more owners representing a majority ownership interest and any individual whose assets were used to qualify for the loan. (51% or more). The following are missing for XXXX. 1) A limited application that includes their name, address, date of birth, social security number, and citizenship. 2) An authorization for a credit report and background report. 3) Identification documentation must be provided as in a driver's license, passport, or similar. ID was provided; however, is not legible. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020310 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011713 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2011713 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011713 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011716 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011716 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines guarantors are required to provided a limited application, an authorization for a credit report and background report as well as Identification documents. The loan file contains identification documentation; however, did not contain any of the other required documentation for the non borrowing guarantor, XXXX. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> guarantor docs<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011716 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011719 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2011719 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Legal Addendum is missing: Exhibit "A' Legal Description | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> exhibit a<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> exhibit A legal description<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is not sufficient to cure the finding. The Exhibit A for the Loan Agreement has been provided. Please provide the Exhibit A to the Mortgage disclosing the Legal Description for review. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2011719 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a background check for the borrowing entity XXXX LLC to include judgment and lien search. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> background<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2011719 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for 7 months in reserves instead of the 12 months reserves required for loan amounts over 1,500,000.00. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Strong FICO at XXX, LTV XX%, Very experienced investor, owned primary for X+ years |  | 2 | 2 | 3 | 2 |
| XXXX | 2011719 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains an exception to consider the subject a non-warrantable condo instead of a condotel, the non-warrantable condo allows for a max XX% LTV, instead of XX% LTV for a condotel. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Strong FICO at XXX, LTV XX%, Very experienced investor, owned primary for X+ years |  | 2 | 2 | 3 | 2 |
| XXXX | 2011719 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2011718 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2011718 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011718 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020305 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2020305 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Condo Rider project name is inaccurate when compared to legal description. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> per title: "The condo rider is not going to reflect the legal description of the property". "the legal description was recorded with both the Gap mortgage and XXXX Agreement and supersedes the rider". <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020305 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Subject appraisal was transferred from UWM. Per the guidelines, a transferred appraisal is acceptable with a transfer letter from the lender stating that the appraisal was prepared in compliance of Appraisal Independence Requirements (AIR). The transfer letter is missing the required verbiage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020305 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX transaction. AHL guidelines XXXX transactions are ineligible and require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, borrower has a XX credit history, borrower has lived and owned primary residence XX plus years and is an experienced investor owning XX rentals |  | 2 | 2 | 3 | 2 |
| XXXX | 2020305 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains the CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020306 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2020306 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Subject appraisal was transferred from UWM. Per the guidelines, a transferred appraisal is acceptable with a transfer letter from the lender stating that the appraisal was prepared in compliance of Appraisal Independence Requirements (AIR). The transfer letter is missing the required verbiage.s. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020306 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX transaction. AHL guidelines XXXX transactions are ineligible and require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score 769, borrower has a XX credit history, borrower has lived and owned primary residence XX plus years and is an experienced investor owning XX rentals. |  | 2 | 2 | 3 | 2 |
| XXXX | 2020306 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan flie contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020307 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2020307 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Subject appraisal was transferred from UWM. Per the guidelines, a transferred appraisal is acceptable with a transfer letter from the lender stating that the appraisal was prepared in compliance of Appraisal Independence Requirements (AIR). The transfer letter is missing the required verbiage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020307 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX transaction. AHL guidelines XXXX transactions are ineligible and require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score 769, borrower has a XX credit history, borrower has lived and owned primary residence XX plus years and is an experienced investor owning XX rentals. |  | 2 | 2 | 3 | 2 |
| XXXX | 2020307 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2011717 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2011717 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011717 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2013746 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013746 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Borrower 1 was 50%/50% owner of the borrowing entity, XXXX LLC, with a non-borrower, XXXX. Lender guidelines require a Personal Guaranty to be signed by one or more owners representing a majority ownership of (51%). The loan file contained the signed Guaranty by both guarantors as required. However, the loan file did not contain a 1) limited application that includes name, address, date of birth, social security number, and citizenship, 2) authorization for credit report, 3) background check, for the non-borrowing guarantor as required. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> guarantor docs<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013746 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow transaction being a non-arm's length. Borrower holds interest in sellers' entity - XXXX LLC. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, DSCR XX%, excess reserves $XXXX +. |  | 2 | 2 | 3 | 2 |
| XXXX | 2013746 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002064 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the Settlement statement provided in the loan file was the FINAL binding HUD-1, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2002064 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2002064 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Property - Currently Listed for Sale | XXXX | A review of the appraisal dated XX/XX/XXXX reflects the property was listed for sale as of XX/XX/XXXX for $XXXX. The lender's guidelines require the listing be canceled 90 days prior to the Note date of XX/XX/XXXX for a cash-out refinance. No documentation was provided to confirm the property is no longer listed. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Please see the listing The listing for $XXXX appears to have been an error. I have attached the property listing history since it shows it has been listed for rent off and on for the past year and the listing price for the sale listing is over $XXXX higher than the appraised value.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2002064 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013743 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2013743 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report as well as identification documentation. The loan file contains identification documentation; however, is missing all other documentation for XXXX . | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see Guarantor docs.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013743 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | According to guidelines the maximum cash in hand is limited to $XXXX when the LTV is greater than XX%. The borrower received $XXXX cash back at closing with an LTV of XX%. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached exception for the cash in hand. <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | DSCR XX, Repeat AHL client, FICO XX points higher than minimum FICO required. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013743 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow loan amount over $XXXX for a short term rental. The loan amount is $XXXX. Determined non-material based on compensating factors (waived). | Waived |  |  |  | DSCR XX, Repeat AHL client, FICO XX points higher than minimum FICO required. |  | 2 | 2 | 3 | 2 |
| XXXX | 2013743 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2011720 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011720 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file did not indicate notes by appraiser to indicate that the bars on the windows are equipped with emergency release latches. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> pg 30 will reference safety latches<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011720 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020302 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2020302 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Subject appraisal was transferred from UWM. Per the guidelines, a transferred appraisal is acceptable with a transfer letter from the lender stating that the appraisal was prepared in compliance of Appraisal Independence Requirements (AIR). The transfer letter is missing the required verbiage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020302 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a rate and term XXXXX transaction which are ineligible and require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico XXX, XX% LTV, experienced investor owning X rentals |  | 2 | 2 | 3 | 2 |
| XXXX | 2020302 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020303 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020303 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020303 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011722 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011722 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per the guidelines, SSRs are required. The file is missing the required documentation. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached are the SSR reports<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011722 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013747 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2013747 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2013747 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020304 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2020304 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX transaction. AHL guidelines XXXX transactions are ineligible and require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, borrower has a XX credit history, borrower has lived and owned primary residence XX plus years and is an experienced investor owning XX rentals. |  | 2 | 2 | 2 | 2 |
| XXXX | 2020304 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan flie contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020300 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2020300 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Subject appraisal was transferred from UWM. Per the guidelines, a transferred appraisal is acceptable with a transfer letter from the lender stating that the appraisal was prepared in compliance of Appraisal Independence Requirements (AIR). The transfer letter is missing the required verbiage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020300 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a XXXX transaction. AHL guidelines XXXX transactions are ineligible and require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, borrower has a XX credit history, borrower has lived and owned primary residence XX plus years and is an experienced investor owning XX rentals. |  | 2 | 2 | 3 | 2 |
| XXXX | 2020300 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020299 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 2 |
| XXXX | 2020299 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Subject appraisal was transferred from UWM. Per the guidelines, a transferred appraisal is acceptable with a transfer letter from the lender stating that the appraisal was prepared in compliance of Appraisal Independence Requirements (AIR). The transfer letter is missing the required verbiage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Documentation uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020299 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan filecontains a lender exception to allow a XXXX transaction. AHL guidelines XXXX transactions are ineligible and require management approval. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, borrower has a XX credit history, borrower has lived and owned primary residence XX plus years and is an experienced investor owning XX rentals. |  | 2 | 2 | 3 | 2 |
| XXXX | 2020299 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2011721 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2011721 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2011721 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2008703 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2008703 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008703 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011723 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011723 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file is missing the required XXXX and XXXX SSR's per AHL guidelines. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see the attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011723 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011727 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011727 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The Settlement Statement shows funds required in the amount of $XXXX. Guidelines require 6 months reserves ($XXXX). A total of $XXXX is required to be verified. The loan application reflects assets totaling $XXXX and the Settlement Statement reflects $XXXX was transferred from cash out of other REO. No asset documentation was provided in the loan file for our review. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011727 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011724 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2011724 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011724 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011726 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2011726 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011726 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020301 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2020301 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | the required background check for XXXX LLC, is missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached is the business report for L.E.S<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020301 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2008707 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2008707 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2008707 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020298 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2020298 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for a first time home buyer and first time investor to purchase an investment property under the DSCR program. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XX, LTV is XX% less than maximum allowed |  | 2 | 2 | 2 | 2 |
| XXXX | 2020298 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for minimum tradeline requirements not met. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: FICO XXX. LTV is X% less than maximum allowed |  | 2 | 2 | 2 | 2 |
| XXXX | 2020298 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020296 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020296 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020296 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020297 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020297 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020297 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2013749 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2013749 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship and 2) An authorization to obtain a credit report and background report. The file is missing the required documentation for XXXX (50% ownership of LLC). | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013749 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA datedXXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013748 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2013748 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2013748 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011725 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2011725 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011725 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020295 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2020295 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The cash out proceeds were utilized for reserves, but only XX% of the cash out proceeds can be utilized for reserves per the Invest XXXXMatrix, dated XX/XX/XXXX. The LTV is at XX% which requires X months PITI in reserves, XX% of the cash out proceeds is $XXXX, which is X months PITI. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached final HUD for file XXXX.. This was a cash out we completed simultaneously with XXXX . Can we apply that to the remaining 4 months needed for reserves.<br>Rebuttal 2 (XX/XX/XXXX XX:XXPM)<br> docs connecting borrower to entity<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Pease provide a connection to XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020295 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013742 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2013742 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2013742 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1995644 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 1995644 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 1995644 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011729 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2011729 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for a cash out refinance of a property acquired less than 12 months ago (8 months) through a non-traditional transfer of title. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: High FICO XXX w/ XX+ yr credit history, DSCR XX, subject tenant occupied |  | 2 | 2 | 2 | 2 |
| XXXX | 2011729 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a cash out refinance when the borrower's primary residence is listed for sale. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: High FICO XXX w/ XX+ yr credit history, DSCR XX, subject tenant occupied |  | 2 | 2 | 2 | 2 |
| XXXX | 2011729 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008708 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008708 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower did not include an execution date on page 9. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008708 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report as well as identification documentation. The file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008708 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013750 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013750 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception to allow borrower's primary property to be currently listed for sale. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Multiple investment properties. DSCR XX, XX months reserves |  | 2 | 2 | 2 | 2 |
| XXXX | 2013750 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1998408 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 1998408 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Per the guidelines, SSR's are required unless appraisal was transferred. The appraisal is not a transfer and the SSR's are not reflected in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached SSR's.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 1998408 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011731 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2011731 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file contains a lender exception for a cash out refinance of a property acquired less than 12 months ago (8 months) through a non-traditional transfer of title. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: High FICO XXX w/ XX+ yr credit history, DSCR XX, subject tenant occupied |  | 2 | 2 | 2 | 2 |
| XXXX | 2011731 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow a cash out refinance when the borrower's primary residence is listed for sale. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: High FICO XXX w/ XX+ yr credit history, DSCR XX, subject tenant occupied |  | 2 | 2 | 2 | 2 |
| XXXX | 2011731 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2008711 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2008711 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines, all guarantors must provide the following: 1) A limited application that includes their name, address, date of birth, social security number, and citizenship 2) An authorization to obtain a credit report and background report 3) Identification documentation as in a driver's license, passport, or similar. The loan file is missing the required documentation for XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008711 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The loan file is missing the required XXXX and XXXX SSR's per AHL guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2008711 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 1995642 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. The HUD1 was not signed by borrower or stamped by the Title company. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995642 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 1995642 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 1995642 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013751 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2013751 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided for pending litigation/non warrantable condo. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves of more than $XX, LTV XX% |  | 2 | 2 | 2 | 2 |
| XXXX | 2013751 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception provided to proceed with Borrowers that have no short term rental experienced. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Excess reserves of more than $XX, LTV XX% |  | 2 | 2 | 2 | 2 |
| XXXX | 2013751 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011730 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | Not Final. It could not be determined that the Settlement statement provided in the loan file was the FINAL binding HUD-1, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2011730 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2011730 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2011730 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020293 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020293 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020293 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2013752 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2013752 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | An attempt for a background search was provided however the the business name listed is not the correct entity name. A background report or search would be needed that contains the entity name as listed XXXX LLC. The loan file is missing the background search for the borrowing entity to include liens and judgment search. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> background<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013752 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020294 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2020294 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The required appraisal SSR's are missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> ssrs<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020294 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020292 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020292 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Other | XXXX | According to guidelines Unsecured loans are not acceptable assets. The loan file contains a $XXXX unsecured promissory note taken out on XX/XX/XXXX and deposited into borrower's XXXX account which is being used for reserves. Without these funds the borrower is short reserves by $XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> attached <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XXX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020292 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | Value is supported within 10% of original appraisal amount. The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020290 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 2 |
| XXXX | 2020290 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan file contains a lender exception to allow to lend on 2 or more properties located within the same neighborhood. Determined non-material based on compensating factors (waived). | Waived |  |  |  | Compensating Factors: Fico score XXX, borrower has disposable income that exceeds $XXXX. a month |  | 2 | 2 | 2 | 2 |
| XXXX | 2020290 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020209 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement is missing the lenders signature. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020209 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020209 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020291 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020291 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020291 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2013753 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2013753 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Per guidelines if the appraisal is not transferred, which it was not, the XXXX and XXXX SSR's are required, but the reports were not uploaded to the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> SSRS<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013753 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020208 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 2 | 1 |
| XXXX | 2020208 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2020208 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 1 |
| XXXX | 2011728 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Exhibit B of the loan agreement is missing the date. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> exhibit B<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011728 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The loan agreement was not signed by the lender. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 2 | 1 | 3 | 1 |
| XXXX | 2011728 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011728 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000670 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2000670 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000670 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000671 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000671 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000671 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002001 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002001 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002001 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.3. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000668 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000668 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000668 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.3. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 1996910 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrower's initials were missing on page 17 of the security instrument. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Correction attached. Being sent for re recording.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Please see title agent's email stating the mortgage is with the county getting recorded. If this does not satisfy, please move condition to post purchase as the recorded version will be sent with the trailing docs. Thank you.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is not sufficient to cure the finding.The executed Mortgage and initials on pg. 17 have been reviewed and acceptable. Please provide evidence when the documents have been re-recorded. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 1996910 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | Not all required credit reports are within the file. The Note reflects 2 borrowers: XXXX and XXXX; however, the credit report for XXXX is missing from the loan file. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> XXXX is an authorized business signer - not a qualifying borrower - please refer to loan approval attached with condition.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Client request to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> XXXX signed the Note. She is a borrower. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>|  |  |  | 1 | 2 | 3 | 2 |
| XXXX | 1996910 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides for the co-borrower XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> XXXX is an authorized business signer - not a qualifying borrower - please refer to loan approval attached with condition.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Client request to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> XXXX signed the Note. She is a borrower. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Client request to waive based on compensating factors. (Waived)<br>|  |  |  | 1 | 2 | 3 | 2 |
| XXXX | 1996910 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000666 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance Required | XXXX | The loan was subject to Flood Insurance and the Flood Notice was not in the loan file. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000666 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close/ reserves verified. Total assets are required to be verified at $XXXX ($XXXX in cash to close and $XXXX in reserves). The file only contains evidence of $XXXX verified which makes the file short $XXXX in verified assets. Provide documentation to support the additional funds required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Entity assets attached.<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000666 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013828 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013828 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | An appraisal transfer letter from XXXX to XXXX. along with AIR compliance certification is missing from the file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please note XXXX IXXXX is a dba of XXXX. No transfer letter required.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> NMLS attached - Other Trade Names. Investor knows DBA structure.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Upon further review XXXX XXXX is a DBA of XXXX. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013828 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The OFAC obtained through the background check on XX/XX/XXXX for the borrower expired. OFAC must be within 30 days of the note date which was X/X/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013828 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2001998 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001998 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001998 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001999 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001999 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001999 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2.4. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000664 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000664 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument(Mortgage/Deed of Trust) is incomplete: Page 25 of 26 is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Recorded DOT attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000664 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000664 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013829 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013829 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Sufficient reserves to meet underwriting requirements were not verified in the file. Guidelines require 6 months reserves ($XXXX). The borrower received $XXXX cash back and the file contains 1 month statement from XXXX dated XX/XX/XXXX with $XXXX balance. No other assets were documented in the file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Bank statements attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013829 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which support the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009734 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009734 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009734 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001997 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2001997 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | A full background check on the non-borrowing Guarantor is missing from the file | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please note Non Qualifying Guarantor is 1% owner and a background is not required. Loan approval attached to show this.<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Client request to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> If a member signs the Guarantee, a background check is required. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Waived at client request based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, Reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2001997 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000663 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000663 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file requires X month reserves with a PITI of $XXXX required reserves totals $XXXX. The loan file contains no asset documentation however cash proceeds in the amount of $XXXX are considered. The loan file is short $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Using the attached bank statements for the remaining $XXXX reserves.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000663 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing a clear OFAC for both Non-borrowing guarantors (XXXX and XXXX) as required per investor guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000663 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The loan file is missing the Entity background check as required per investor guidelines. The entity was established XX/XX/XXXX with a note date of XX/XX/XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please note that there are no hits on the background due to the entity not having a track record / loan history. <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000663 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2001996 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001996 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001996 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. CU Score 3.5. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001995 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001995 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001995 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 2.5. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001994 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001994 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001994 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 2.3. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001993 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001993 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001993 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. CU Score 3.8. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009732 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009732 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the guidelines all guarantors must provide a copy of state or government issued ID or passport. The loan file is missing the required identification for the non-borrowing member, XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009732 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.2. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009733 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009733 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan file does not contain any asset documentation beyond the Proceeds from the subject transaction. Investor guidelines require 6 months reserves totaling $XXXX, with the cash proceeds totaling $XXXX the loan is short $XXXX in verified reserves. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Bank statements for $XXXX attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2009733 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The appraisal indicates the current zoning is Legal Non-conforming (grandfathered) The appraisal includes a not from the appraiser indicating the subject can be rebuilt if the same foot print to the current density if destroyed however investor guidelines require a copy of the applicable zoning regulation or a letter from the local zoning authority to confirm, neither were provided in the loan file. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Exception uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | XX DSCR. Experienced Investor. XX% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2009733 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009730 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009730 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009730 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001990 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance - Escrow Notice | XXXX | The loan was subject to Flood Insurance and the Notice of Requirement to Escrow Flood Insurance Premiums is missing. National Flood Insurance Act (NFIA) & Implementing Regulations 42 USC 4012a(d) // 12 CFR 208.25(e)(2) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2001990 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2001990 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2000660 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000660 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000660 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020288 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020288 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | The LTV of XX% does not meet the program eligibility guidelines of XX% for a borrower being qualified as a Foreign National. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Investor approved for LTV exception.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Investor has approved to waive for Lender Exception base on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020288 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009729 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009729 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009729 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000661 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000661 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000661 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score 1.2. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013825 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance Required | XXXX | The loan was subject to Flood Insurance and the file contains no evidence that the Flood Notice was provided to the borrower. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2013825 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013825 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020289 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Evidence Borrower will not occupy the property. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020289 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020289 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 2.5. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020285 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Evidence Borrower will not occupy the property. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020285 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020285 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 2.5. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009728 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009728 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The appraisal indicates the subject property was listed for sale XX/XX/XXXX for $XXXX. The loan file does not contain documentation supporting the listing has been removed as required per investor guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009728 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013830 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013830 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The loan is a Limited Cash-out transaction and requires evidence of X months PITI reserves ($XXXX x 6) totaling $XXXX. The loan file is missing evidence of 6 months PITI Reserves. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013830 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The loan transaction consists of (2) Qualifying Borrowing Guarantors (Owner-XXXX), XXXX and XXXX. The loan file is missing the required credit report and Guarantor Application for XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> XXXX is a non-qualifying guarantor – he is a member and required to be a signer at closing but not a qualifying guarantor. Our guidelines are specific to background/ofac/etc. for business members over XXXX% but they do not need and are not required to be a qualifier unless they have sole signing authority. Credit Report not required. Loan approval, page 7 shows XXXX.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Please see XXXX email.<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Correspondent policy is that they make everybody sign the note orguaranty so they have skin in the game but can limit who's qualifying. Please waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> XXXX signed the Note. He is a borrower. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> XXXX signed the Note and the Guaranty. He is subject to the same documentation as XXXX, who also signed the Note and the Guaranty. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Request to waive based on compensating factors. (Waived)<br>|  | Comp factors. DSCR XX, reserves $XX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013830 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is 1.2 | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2001989 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: PUD Rider. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Our Deed of Trusts (mortgages) are attorney prepared at loan level and all necessary language is within. No riders. Please see page page 19 item 38 of the DOT for verbiage.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The information provided is sufficient to clear the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2001989 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2001989 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1.6. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2001988 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance - Escrow Notice | XXXX | The loan was subject to Flood Insurance and the Notice of Requirement to Escrow Flood Insurance Premiums is missing. National Flood Insurance Act (NFIA) & Implementing Regulations 42 USC 4012a(d) // 12 CFR 208.25(e)(2) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2001988 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2001988 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score 2.1. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013831 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013831 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013831 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2001987 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2001987 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | The subject property consists ofXXXX units. The XXXX Unit has XXXX bedrooms and the appraiser only provided photos of **XXXX** bedrooms. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Updated appraisal attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2001987 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013827 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013827 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013827 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020287 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020287 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | An appraisal transfer letter from XXXX to XXXX. along with AIR compliance certification is missing from the file. | Void | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please note XXXX XXXX is dba of XXXX.. There is no transfer letter.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Explanation received is sufficient. (Void)<br>|  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020287 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit - OFAC Screening | XXXX | The OFAC obtained through the background check on XX/XX/XXXX for XXXX expired. OFAC must be within 30 days of the note date which was XX/XX/XXXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020287 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Missing - One or More Reports Missing | XXXX | The borrower's origination credit report is missing from the file. Additional conditions may apply upon review. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Attached.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> XXXX credit report received. Still missing credit report for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020287 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.4. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2001986 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Late | XXXX | The Notice of Right to Receive Copy of Appraisal, issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c) Informational Only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2001986 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing background check | XXXX | The guidelines indicate Non-Owner XXXX are not eligible to serve as Guarantors on the loan but they must have an OFAC and background check and meet the criminal activity requirements applicable to all guarantors. The loan file contains a copy of the entity Bylaws dated XX/XX/XXXX that indicate the managing Board of Directors consists of, XXXX as President, XXXX as Vice President and XXXX as Treasurer/Secretary. The loan file contains an OFAC clearance for all members but is missing a background check inclusive of a criminal search for XXXX and XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please note final page/section contains findings with no hits on all backgrounds.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2001986 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX that supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2001985 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Flood Insurance - Escrow Notice | XXXX | The loan was subject to Flood Insurance and the Notice of Requirement to Escrow Flood Insurance Premiums is missing. National Flood Insurance Act (NFIA) & Implementing Regulations 42 USC 4012a(d) // 12 CFR 208.25(e)(2) | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2001985 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2001985 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013826 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013826 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013826 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020286 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020286 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020286 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1.1 | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002003 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002003 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002003 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Our guides have been approved for us to not require AVMs or CDA. 2nd appraisal attached.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> CDA provided.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Only the original appraisal was provided. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> CDA provided and supports original appraised value. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011837 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011837 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011837 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> CDA attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2011836 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011836 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2011836 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal or CU score at 2.5 or under to support the origination appraised value. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> CDA attached.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2015566 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2015566 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condo Rider is missing the name of the Condo Project. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> There is no name for this project. <br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Please see updated <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The information provided is not sufficient to cure the finding. The Condo Project Questionnaire provided in the original loan file discloses the name of the Condo Project Legal Name and the name of the HOA. This information is required to be disclosed on the Condo rider to be considered complete. Please provide a completed Condo rider or a Scriveners Affidavit for review. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2015566 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Authorization | XXXX | The file is missing the operating agreement for XXXX LLC verifying the guarantor's ownership of the business funds. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> operating agreement attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2015566 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Cash to Close | XXXX | The file did not contain evidence the borrower had the proper amount of funds required to close. The file contains documentation from 2 XXXX accounts, 1 business #XXXX and 1 personal #XXXX, verifying a total of $XXXX. The required assets/reserves are $XXXX. The total asset shortage is $XXXX. | Waived | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Cash to close - $XXXX 3 months of Payment reserves - $XXXX Total Needed - $XXXX Total liquidity provided (attached) - $XXXX - 2 refinance cash out transaction HUDs - One property sale proceeds held in escrow by title for this closing - 2 statements <br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> with OA attached will be sufficient to clear 6 months reserve requirements. <br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Please see exception approval. <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> 6 months of reserves were required. Also, evidence the $XXXX EMD cleared prior to the statements provided is required. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Unable to clear reserve shortage based upon provision of Operating Agreement. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. Experienced Investor. X% LTV. |  | 3 | 2 | 3 | 2 |
| XXXX | 2015566 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009847 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2009847 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Missing | XXXX | The Note is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> note attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 2 |
| XXXX | 2009847 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Per the Eligibility Matrix DSCR <1 is not eligible for cash out refinance. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Please see attached approval memo. DSCR is XXXX. PITIA payment is $XXXX per month and the rent is showing as $XXXX. The Insurance is $XXXX and Taxes are $XXXX confirmed. <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> please see attached. <br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Client approved to waive.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The Hazard Insurance annual premium has not been document. Hazard Insurance reflected on the Payment Letter is $XXXX per month, which results in a DSCR of XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Client approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, Reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2009847 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan is missing documentation verifying the hazard insurance premium for the subject property. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> insurance docs attached.<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> verification attached.<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Client approval to waive.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The annual premium for the subject property is not reflected. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Client approval to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, Reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2009847 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain a CDA. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> CDA attached.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016387 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016387 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2016387 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2016387 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2020104 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020104 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020104 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000498 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following sections of the Security Instrument (Mortgage/Deed of Trust) are incomplete: The bottom sections of pages 1-12 of the Security Instrument and the Assignment of Leases and Rents Rider were cut off. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000498 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented. Lease agreement is required but missing from the loan file for the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Lease<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Referenced documentation not received. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000498 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000480 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000480 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000480 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score of 1.0, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000492 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Legal Addendum is missing: "Exhibit A" Legal Description. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Legal provided <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000492 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file is missing current $XXXX lease on the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Appraisal confirms the property is currently rented at $XXXX so no lease is required<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> As per the lease agreement in file, the lease period was till XX/XX/XXXX however the closing was on XX/XX/XXXX. Agreement was valid till closing and later extended till XX/XX/XXXX, 1007 supports the same.. please push back with the attached 1007 and lease agreement.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Lease is required. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000492 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline require DSCR to be 1.0 or greater; however, the subject DSCR is XXXX which is less than an minimum required. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Per guidelines, no exception is needed on this one only 2nd level reviews are required <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Approved exception provided<br>Rebuttal 3 (XX/XX/XXXX X:XXPM)<br> Client has approved to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Exception is required. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Email chain does not contain an Investor exception. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Client has approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX and LTV XXXX%. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000492 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 2.2. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000483 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage list XXXX LLC. A deed transferring ownership interest from XXXX to XXXX LLC is required to confirm ownership interest in the new mortgage. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Executed deed provided <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2000483 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000483 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU score of 1.0, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000544 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000544 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000544 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009833 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009833 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009833 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.8. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002112 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002112 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002112 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 2.1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000549 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000549 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000549 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000545 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000545 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | Lender exception provided allowing a 2 - 4-unit property with an accessory dwelling unit which does not meet the Program Parameters for Property Type. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Approved exception by XXXX provided <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Exception provided<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation provided does not illustrate an exception granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Accessory dwelling unit is currently used as storage and not included in DSCR calculations, Fico score of XXX exceeds minimum by XX points or greater, XX for XX months on monthly housing history, PITA reserves of XX months. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000545 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005420 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005420 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005420 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000539 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000539 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented. Lease agreement is required but missing from the loan file for the subject property. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> $XXXX lease rents (per 1007) no lease agreement is needed<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> The 1007 states it is rented and for the amount of $XXXX we shouldn't need a lease.<br>Rebuttal 3 (XX/XX/XXXX X:XXAM)<br> No lease, 1007 supports the amount confirmed.<br>Rebuttal 4 (XX/XX/XXXX X:XXAM)<br> Per guides, we allow a written statement from the borrower to confirm the rental amount. <br>Rebuttal 5 (XX/XX/XXXX X:XXPM)<br> This is not a purchase and not XXXX unit property; we can use the 1007 without needing the lease agreement. <br>Rebuttal 6 (XX/XX/XXXX X:XXAM)<br> Please waive.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Subject is a Tenant occupied refinance. The lease is required. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Lease is required. (Upheld)<br>Response 3 (XX/XX/XXXX X:XXPM)<br> Please provide a copy of the original lease with month-to-month after term verbiage. (Upheld)<br>Response 4 (XX/XX/XXXX X:XXPM)<br> Please provide the section of the guide that allows a written statement of rent without the original lease. (Upheld)<br>Response 5 (XX/XX/XXXX X:XXPM)<br> Please provide commentary from the appraiser that the lease was reviewed or a copy of the lease. (Upheld)<br>Response 6 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | XX score. XX DSCR. Experienced Investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000539 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1.5. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000528 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000528 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The borrower is an entity. The borrower's name does not include their title, however the entity name and "By" is included bringing this to an EV2 exception. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2000528 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. Lender exception in file to allow the borrower to evidence X months of PITIA reserves as opposed to the XX months reserves required when waiving escrows. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Client approval to waive.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Client approval to waive based on compensating factors. (Waived)<br>|  | Compensating factors: XXX Fico score, XXXX monthly housing history, XX% LTV |  | 3 | 2 | 3 | 2 |
| XXXX | 2000528 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000529 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000529 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000529 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 1.0 which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013702 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013702 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | The provided lease agreement for the subject property did not reflect the complete terms of the lease. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Lease provided showing monthly amount of $XXXX and starting x/xx that becomes month-to-month <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013702 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005429 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005429 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005429 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000527 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000527 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000527 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 1.0, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002104 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002104 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Rental Property/Missing Lease | XXXX | The rental income was not properly documented. Lease agreement is required but missing from the loan file for the subject property. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> This is not a purchase and notXXXXunit property; we can use the 1007 without needing the lease agreement. <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Client approval to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Per discussion with lender, guidelines require the lower of the market rent from 1007 to be used or lease. A lease would need to be provided to validate the lower of the two. Appraiser reflects current lease term and current rent but a statement from the appraiser that they actually reviewed the lease was not present. Need a copy of the lease or statement from appraiser. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Client approval to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, DSCR XXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2002104 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2002102 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002102 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002102 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score 2.1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002101 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002101 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required 1004 D to validate required repairs. Appraisal "subject to" repairs for installation of basement stairs as they exceed 4 risers/steps. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM)<br> Completed 1004D provided <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> 1004D provided and handrail has been installed. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002101 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2000512 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000512 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for Property Type. Subject property consists of XXXX total units, 2 of which are newly constructed accessory dwelling units (ADUs) and are currently vacant (2 unit with 2 ADUs). The guidelines do not allow rental income for qualifying on 2-4 unit properties with an accessory unit and guidelines also do not allow more than 1 accessory unit per property. Client to approvedowngrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Investor exception uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Waiver granted by Investor. (Waived)<br>|  | Comp Factors - XX months reserves. XX FICO. Experienced Investor. XXXX DSCR. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000512 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000515 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000515 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000515 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 2.2, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000517 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000517 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement per guidelines. The DSCR was calculated using rent from lease of $XXXX; however, the lease was not provided in the file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> lease<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2000517 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. Lender exception in file for DSCR score below XX at XX. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Exception uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Credit score XXX above XX points minimum of XXX; XXXX month housing history; PITI reserves above minimum by X months or greater. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000517 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000516 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000516 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000516 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000502 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000502 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000502 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 1.4, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000511 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2000511 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Property - Previously Listed for Sale | XXXX | The loan file contains a lender exception. The property was listed for sale XX/XX/XXXX and expired XX/XX/XXXX with a list price of $XXXX and the initial application date was XX/XX/XXXX with an appraisal value of $XXXX. Properties listed for sale in the last 6 months are not eligible for refinance transactions per investor guidelines properties listed within the last 6-12 months require management exception and the LTV will be calculated on the lower of the appraised value or the last listing price. Origination used the current appraised value decreasing the LTV from XXXX% which exceeds investor guidelines to XX% which meets investor guidelines for a cash-out transaction. The exception does not address the LTV issue. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Originator exception uploaded.<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Investor exception uploaded.<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXAM)<br> Exception granted by Investor. (Waived)<br>|  | Compensating Factors: XXXX monthly housing history- PITIA reserves +XX months- both units occupied with X year lease. |  | 3 | 2 | 3 | 2 |
| XXXX | 2000511 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file includes a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005444 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005444 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005444 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000486 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000486 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2000486 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005441 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005441 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file for DSCR ratio <1. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Approved exception provided<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Credit score XXX above minimum by XX points or greater, XXXX month housing history |  | 3 | 2 | 3 | 2 |
| XXXX | 2005441 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005422 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005422 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005422 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002099 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002099 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002099 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009832 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009832 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2009832 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1.4. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002097 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002097 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002097 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 2.2, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013703 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Loan Amount Discrepancy | XXXX | The loan amount on the Security Instrument (Mortgage/Deed of Trust) is inconsistent with the Note. The Deed of Trust reflects a loan amount of $XXXX; however the Note amount is $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013703 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Property Address Discrepancy | XXXX | The property address on the Security Instrument is inconsistent with the Note. The property address listed on the Deed of Trust is XXXX; however, the Note reflects XXXX as the property address. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013703 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013703 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016526 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016526 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | The appraisal was completed subject to removal of security bar or replacement with safety quick releases. 1004d was not provided as required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> 1004D provided <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> 1004D provided and security bars have been removed. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016526 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject property is located in XXXX. The Prepay Rider to the Note/Mortgage reflected a prepay penalty of X% for X years. The investor guidelines did not reflect specific prepay terms for properties in XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> XX guides provided reflect allowable X% PPP in XX<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Updated guidelines provided dated before subject loan closed and XX prepay allows 5%. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2016526 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013704 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013704 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013704 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 1.0, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002094 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002094 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The payoff provided in the file reflects only the property address of XXXX, which is the address of a sister loan being processed by lender. The payoff does not include the subject address of XXXX. The Underwriter Summary reflects payoff as a blanket lien on both properties. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> The payoff states it is for XXXX but we can tell from both properties titles that the mortgage encompasses both properties and paying this will release the lien on XXXX, as well. Other property title provided <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Explanation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2002094 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2009841 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: The Note and Mortgage were executed by an entity, but the entity documents are missing. Unable to determine if signatures on Note and Mortgage are accurate. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs provided showing sole member<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009841 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs provided showing sole member<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2009841 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 2.4. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2002095 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002095 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2002095 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005428 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing the Prepayment Penalty Addendum. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2005428 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005428 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005446 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005446 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The file is missing OFAC search, as required by guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> OFAC attached<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> The fraud report runs through OFAC - there was no warnings please review<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> OFAC for XXXX received. Still missing OFAC for XXXX. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005446 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file to allow use of rent on the lease ($XXXX) vs XXXX Form 1007 ($XXXX). Tenant prepaid the first 3 months rent as listed on the lease and appears on the borrower's bank statement. The file is missing the lease and documentation of rent received. DSCR using Comp Rent Schedule (Form 1007) is XX. Client to approve downgrading finding based on compensating factors and review of documentation. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Lease and evidence of payment attached <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Lease received. Exception still must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Credit Score XXX, PITI reserves above minimum by X months or greater, experienced investor |  | 3 | 2 | 3 | 2 |
| XXXX | 2005446 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA, dated XX/XX/XXXX, that supports the value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005430 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005430 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005430 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013705 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013705 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Missing required 1004 D | XXXX | Missing required 1004 to validate required repairs: dated carbon monoxide/smoke detectors. The photos provided by the borrower that are in the file do not verify that the new detectors were installed in the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Per guides: "If appraisal is marked "as is" or "subject to completion" with comments that any of the above are missing and required, borrower attestation and photo(s) of installation, or a 1004D/442 will be required" Photos and attestation provided<br>| Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013705 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1 | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2005431 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2005431 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in file to allow short term rental with XXX FICO Score, which exceeds guideline requirement of XXX. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Lender exception provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Client approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - Reserves of XXXX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2005431 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 2.2. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016522 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016522 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender exception in the file to allow for XXXX% LTV when subject was listed for sale within the past 12 months. The LTV was based off of the most current listing price and listing expired XX/XX/XXXX. Guidelines allow for properties listed for sale within the past 6.1 - 12 months requiring a management exception and LTV to be calculated on the lower of the appraised value or last listing price. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Qualifying DSCR higher than XXx and at least .X higher than guideline minimum, housing payment history XXXX or better. |  | 3 | 2 | 3 | 2 |
| XXXX | 2016522 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020284 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020284 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | Lender exception in file as the subject loan does not meet the Program Parameters for mortgage history on primary residence. Credit report reflected the primary residences 2nd mortgage HELOC with XXXX Bank was 30 days late in the months of XXXX and XXXX. Investor guidelines did not allow more than 1/30 in the past 12 months. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors: Cash out proceeds used for reserves and supported XX months of post closing reserves. Subject mortgage and X additional mortgages were XXXX ranging from XX months to XX months reporting. Qualifying DSCR higher than XXx and at least .X higher than guideline minimum. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020284 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013730 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013730 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013730 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013728 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013728 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013728 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2005440 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2005440 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Guidelines reflect several items required in relation to an appraisal transfer. Both XXXX and XXXX SSR are required. The file only contains XXXX SSR. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005440 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing (initial missing as well). | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> BP loan - 1003 is not required - printed for information only <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2005440 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Loan exception provided for 6 month seasoning on a cash-out refinance not met from close of purchase on XX/XX/XXXX to application date X/X/XXXX (7 days shy of 6 months). | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  | Compensating factors: FICO XXX versus minimum required FICO XXX; reserves XX months versus minimum required X months |  | 3 | 1 | 3 | 2 |
| XXXX | 2005440 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016529 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016529 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016529 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018556 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018556 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018556 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013708 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013708 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013708 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 2.5. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013709 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013709 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject property is located in XXXX. The Prepay Rider to the Note/Mortgage reflected a prepay penalty of X% for X years. The investor guidelines did not reflect specific prepay terms for properties in XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Guidelines state "Allowed; 5% of the original principal balance (subject to U/W vesting verification)"<br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> Updated guidelines provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Please provide copy of this guidance. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Updated guidelines dated X/X/XXXX and before subject loan closed provided and included NJ prepay. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013709 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013727 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. The HUD1 is not signed by the borrower or stamped final by the Title company. | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2013727 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013727 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013710 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013710 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013710 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU Score of 1.0, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013711 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013711 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | There are additional appraisal findings. The appraisal indicates that the subject property is owner occupied. The subject closed as an investment property. A corrected appraisal is needed. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Corrected appraisal provided <br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013711 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013713 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application is missing. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013713 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: Missing the Prepayment Addendum. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Tracking #XXXX shows deliver X/X<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> tracking #XXXX<br>Rebuttal 3 (XX/XX/XXXX XX:XXAM)<br> Prepayment addendum attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Please please provide the tracker for review. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The information provided is not sufficient to cure the finding. A tracking number has been provided; please provide a copy of the Mailing Label for more details such as company etc. In addition, the Prepayment addendum needs to be provided for review. (Upheld)<br>Response 3 (XX/XX/XXXX XX:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013713 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Note - Incomplete | XXXX | The following section of the Note is incomplete: The Loan Agreement was not executed by the Lender. | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013713 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The guidelines indicate the credit report used to evaluate a loan may not reflect a security freeze. The Experian bureau for Borrower 1 returned a credit freeze for that bureau. The loan file is missing a new tri-merged credit report dated after the original XX/XX/XXXX report with updated information from all (3) repositories. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Investor exception uploaded.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | XXX score. XX DSCR. Experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013713 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The guidelines indicate a complete URLA signed and dated by interviewer and Borrower(s) is required. The loan file is missing an application executed by the borrower. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> BP loan 1003 is not required, attaching for information only <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013713 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU Score is 1 | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013724 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013724 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013724 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013714 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 2 | 2 |
| XXXX | 2013714 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013714 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 2013726 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013726 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013726 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.8 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018555 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018555 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018555 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013729 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013729 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013729 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013720 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013720 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013720 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013718 | 1 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013718 | 2 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Appraisal - Other | XXXX | Appraisal transfers allowed. The file is missing the AIR cert/transfer letter from XXXX to XXXX as required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> We do not require appraisal transfer letters<br>Rebuttal 2 (XX/XX/XXXX X:XXAM)<br> Letter provided<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Section 1106 requires a copy of the AIR Cert. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013718 | 3 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | The file contains asset statements with XXXX business checking XXXX XX/XX/XXXX of $XXXX and XXXX cash/mutual funds/equities of $XXXX (XXXX%) used for reserves. For stocks and mutual funds used for reserves, XXXX% of the value may be used. Total required assets $XXXX (funds to close $XXXX plus XX months versus 6 months reserves on subject of $XXXX as escrow waiver). Total verified assets $XXXX results in a reserves shortage of $XXXX. Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Docs provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> 401k statements provided for 2 months and with addition of the 401k funds towards reserves, cash to close and reserve requirements have been met. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013718 | 4 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Credit Report - Alerts | XXXX | The credit report contains a fraud alert effective XX/XX/XXXX and to be maintained for 1 year which was not addressed in the loan file as required. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Doc provided.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> LOE from processor confirming borrower was contacted to confirm identity has been provided. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013718 | 5 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject is a short-term rental. Guidelines require property taxes to be escrowed. Review of the Settlement Statement and payment letter reflect taxes not escrowed as required. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Client has approved to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Client approved to waive based on compensating factors. (Waived)<br>|  | Compensating factors: FICO XXX versus minimum required FICO XXX for short-term rental; XXXX month housing history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013718 | 6 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - LTV | XXXX | Lender exception in file to allow XX% LTV versus max XX% LTV for short-term rental. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Client approved to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Client approved to waive based on compensating factors. (Waived)<br>|  | Compensating factors: FICO XXX versus minimum required FICO XXX for short-term rental; XXXX month housing history. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013718 | 7 of 7 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1.9. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013734 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013734 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013734 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020097 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020097 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters DSCR score below X. Compensating factor housing payment history is XXXX. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Exception attached<br>| Response 1 (XX/XX/XXXX X:XXAM)<br> Client has approved lender exception based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020097 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.3. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013717 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013717 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | A chain of title is required for the last 24 months and is missing from the file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Title provided<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013717 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013719 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013719 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013719 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018553 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018553 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018553 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013731 | 1 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Appraisal Notice - Missing | XXXX | There is no evidence the Borrower received The Notice of Right to Receive Copy of Appraisal within 3 business days from application. Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.14 Truth In Lending Act (Regulation Z) [HPML] 12 CFR 1026.35(a),(c). Informational only | Acknowledged |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013731 | 2 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Missing Business Purpose Documentation | XXXX | There are additional Compliance Findings. Missing the following Business purpose documentation: Evidence Borrower will not occupy the property. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> BPOA<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013731 | 3 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject is an investment property and investor guidelines required a Certification of Occupancy. Required document was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013731 | 4 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | The subject transaction closed in the name of an LLC. The investor guidelines required a separate Guaranty from the borrower signing the note on behalf of both the LLC as the borrower and also as an individual guarantor. Guaranty was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013731 | 5 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Cash-Out, Delayed Financing | XXXX | The borrower is ineligible for a cash-out transaction as the property was purchased within the prior six months and the loan does not meet the delayed financing exception in the Guidelines. Guidelines required source of funds for the purchase transaction to be documented (such as bank statements, or other documentation.) The Master Settlement Statement from the original purchase was provided and reflected total funds required to be documented were $XXXX. XXXX Bank statement account ending #XXXX dated XX/XX/XXXX was provided and reflected wire to original closing agent in the amount of $XXXX and reflected wire was for subject and additional property located at XXXX. Bank statement had the following undocumented deposits that would be required to be documented: XX/XX/XXXX for $XXXX, XX/XX/XXXX for $XXXX and $XXXX, and X/X/XX for $XXXX. A wire receipt dated X/X/XX to closing agent in the amount of $XXXX from XXXX account was provided and matched the purchase settlement statement funds from QI in the amount of $XXXX. File is missing documentation to support the large undocumented deposits, source document of the wired funds from XXXX and source and proof of receipt of the remaining additional funds for closing in the amount of $XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Assets<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013731 | 6 of 6 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1.7 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013732 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013732 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013732 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013735 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013735 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013735 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 2.3 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016523 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016523 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Assignment of Leases Rider is missing page 5 of 6. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Page 5 provided <br>| Response 1 (XX/XX/XXXX X:XXAM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016523 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2016523 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020098 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020098 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020098 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013721 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013721 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013721 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020281 | 1 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020281 | 2 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for housing payment history. The loan application reflects the borrower currently owns a primary residence for 5 months. Prior the borrower rented for 9 years. The lenders guidelines require the most recent 12 months or a portion of the last 24 months in which the borrower was renting to be documented. A copy of rental/lease agreement; and 12 months of borrower's canceled checks or bank statements were required. This documentation was not in the loan file. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors – LTV was XX% which is at least X% less than guideline maximum; post-closing reserves are verified and at least X months more than guideline minimum ($XXXX or XX months), qualifying DSCR XX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020281 | 3 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for purchase transactions. The letter of explanation in the file reflects the subject transaction is a non-arm's length transaction. The subject property was not listed on the MLS. The seller is an agent affiliated with the borrower's real estate brokerage. According to the lender's guidelines non-arm's length transactions must be disclosed and are ineligible for the DSCR product. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors – LTV was XX% which is at least X% less than guideline maximum; post-closing reserves are verified and at least X months more than guideline minimum ($XXXX or XX months), qualifying DSCR XX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020281 | 4 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception in file as the subject loan does not meet Program Parameters for Property Type. The Origination Appraiser indicated the subject property is XXXX square feet. The subject unit must have at least 500 square feet of living space per the lender's guidelines. Client to approve downgrading finding based on compensating factors. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> Attached<br>| Response 1 (XX/XX/XXXX XX:XXPM)<br> Waiver granted by Investor. (Waived)<br>|  | Compensating factors – LTV was XX% which is at least X% less than guideline maximum; post-closing reserves are verified and at least X months more than guideline minimum ($XXXX or XX months), qualifying DSCR XX. |  | 3 | 2 | 3 | 2 |
| XXXX | 2020281 | 5 of 5 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020280 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page 1 of the Security Instrument is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Page 1 provided <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020280 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Assets - Bank Statements | XXXX | Total required reserves for the transaction were 12 months PITIA in the amount of $XXXX. (12 months required when escrow account was waived). The UW Summary reflected business assets in the amount of $XXXX and 1003 reflected the source as XXXX business checking account ending #XXXX. The most current bank statement with sufficient funds to support the required reserves was not provided as required. Based on the asset balance on the UW Summary and 1003, the reserves would be short of the required amount. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM)<br> Addt statements provided <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Asset statements provided and meet required reserves. (Resolved)<br>|  |  |  | 4 | 1 | 3 | 1 |
| XXXX | 2020280 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2016524 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016524 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016524 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013725 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Compliance Finding - Other | XXXX | There were additional observations regarding the closing documentation. The cash out letter states an unacceptable reason for the cash proceeds. It states to pay off another property. It does not indicate if this is a personal, secondary, or investment property. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> I s not mandatory to indicate what type of property it needs to be. Also there is one more property that borrower owns, his primary. And borrower was addressing to the same property. <br>Rebuttal 2 (XX/XX/XXXX X:XXPM)<br> LOE provided<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The explanation provided is not sufficient to cure the finding. Taking cash out on a loan to pay off personal and primary residence would not be considered a business purpose for that cash out loan. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013725 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | The subject's lease agreement was not complete. Only pages 1 and 7 were provided. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Full lease provided<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2013725 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2013738 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013738 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013738 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2016525 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HMDA - Government Monitoring | XXXX | The Government Monitoring Section on the application was not completed or acknowledged. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2016525 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. The loan file is missing the required application for both borrower 1 and borrower 2. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> 1003 provided. This is not required to be signed as this is a BP loan, and not subject to TRID docs<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2016525 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2020103 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020103 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020103 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020283 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020283 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020283 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020099 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020099 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Guideline requirement has not been met. The funds to close came from a 1031 exchange. The lender's guidelines require a copy of 1031 exchange agreement. This document was not found in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> 1031 letter provided <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Document provided as required. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 2020099 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 2.5; therefore, the file also contains a CDA, dated XX/XX/XXXX which supports the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 2020101 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020101 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020101 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1.0. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020100 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2020100 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Missing Entity Documentation | XXXX | Missing required business documentation per guidelines. The loan file did not contain the EIN/W9 as required for the entity. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> EIN provided<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020100 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | Income - Missing or Incomplete Lease Agreement | XXXX | Missing Lease agreement or not complete per guidelines. The lenders guidelines state market rents from the lessor of an appraisal form 1007 or lease will be used to calculate the Debt Service Coverage Ratio (DSCR) based on annual tenancy. The appraisal indicates the property is tenant occupied. The comparable rent schedule reflects a market rent of $XXXX; however, the lease was not reviewed by the appraiser and it does not reflect the actual current monthly lease amount. The Underwriter Summary indicates a lease was reviewed by the underwriter and reflected a monthly lease payment of $XXXX. The loan file does not contain the lease agreement. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Lease provided <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Documentation received is sufficient. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2020100 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The loan file did not contain CDA, Field review or 2nd appraisal to support the value. The CDA was missing from the loan file. The CU score was 3.6. Invoice for XXXX CDA provided with system screen shot but we need the actual CDA report. | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXAM)<br> CDA provided <br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Document provided is corrupt. Please reupload. (Upheld)<br>Response 2 (XX/XX/XXXX X:XXPM)<br> CDA resent and supports original appraised value. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013739 | 1 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | HUD1 - Not Final | XXXX | It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A | Acknowledged |  |  |  |  |  | 2 | 2 | 3 | 2 |
| XXXX | 2013739 | 2 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: Renewal and Extension Rider | Resolved | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Copy of recorded DOT attached<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  |  | 3 | 1 | 3 | 2 |
| XXXX | 2013739 | 3 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | DSCR - Program Parameters - Other | XXXX | Subject appraisal indicated the property was vacant at the time of the transaction and no lease was provided. A letter of explanation on the vacancy reason indicated that property vacancy was due to renovations being completed and indicated subject previously was a short term rental. Per the investor guidelines for a refinance, if any unit is unleased or vacant, as reflected on the appraisal report, a X% LTV reduction is required. With the reduction of X%, the maximum LTV allowed would be XX%. Subject transaction closed at XX% LTV, exceeding the maximum allowed. It should be noted that the subject transaction would not meet the STR guidelines. | Waived | Rebuttal 1 (XX/XX/XXXX X:XXPM)<br> Client has approved to waive.<br>| Response 1 (XX/XX/XXXX X:XXPM)<br> Client has approved to waive based on compensating factors. (Waived)<br>|  | Comp factors - FICO XXX, reserves $XXXX and experienced investor. |  | 3 | 2 | 3 | 2 |
| XXXX | 2013739 | 4 of 4 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 2013737 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013737 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2013737 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU dated XX/XX/XXXX with a score of 1 was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018558 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018558 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2018558 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the original appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020282 | 1 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020282 | 2 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 2020282 | 3 of 3 | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. | Cleared |  |  |  |  |  | 1 | 1 | 1 | 1 |
| **XXXX** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.16**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **DD Start Date** | **DD Delivery Date** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 1998401 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 2020208 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011704 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2002050 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2002048 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2011719 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2011729 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011731 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2002055 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011722 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2013743 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2011726 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011705 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011715 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 1998380 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2011703 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011702 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011701 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2011723 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2011708 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2011717 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011720 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 1999238 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2008699 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2011709 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2008703 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1999242 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011716 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2002051 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2002059 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2013753 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2011712 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2002064 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2011725 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011727 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2011724 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2011706 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2011714 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2011718 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011730 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2008707 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011713 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1999240 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008694 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2011710 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008711 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2008692 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2008691 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2008708 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2008686 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2008689 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2008690 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2008687 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2013746 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2011711 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2002049 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2011700 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011707 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 1999237 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 1998384 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2008700 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011728 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 1710587 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1923753 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 1701357 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 1696189 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1998400 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 1995617 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995605 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998374 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1995626 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 1995646 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1995642 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998399 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995620 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995636 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1998394 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 1998389 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 1995644 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 1995607 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995634 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 2 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 1998408 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 1995604 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998405 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998385 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998395 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1995609 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 1998391 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2013750 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 2020290 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020314 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020310 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2020303 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020294 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2020315 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2013748 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020293 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020209 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020316 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2020308 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020313 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2013744 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020291 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020298 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2013749 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2020304 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020309 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2020306 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2020307 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2020302 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2020300 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2020299 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 1 | 1 | 1 C B A |
| XXXX | 2020305 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2020301 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2013751 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2013747 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020296 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2020297 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2013742 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 B A |
| XXXX | 2013752 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2020292 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2020295 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 2020312 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 B A |
| XXXX | 2011721 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2011837 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2011836 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2015566 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2009847 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 4 | 1 | 3 | 1 C B A D |
| XXXX | 2002003 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 2016387 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2009797 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2020279 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2020276 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2009796 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | #N/A | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2009794 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2020278 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2020275 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2020277 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2013642 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A |
| XXXX | 2018680 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 3 | 1 | 3 | 2 C B A |
| XXXX | 1993217 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 1993216 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 1993215 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 1993218 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2002077 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2018681 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2013640 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2013641 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2013638 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2002075 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2002072 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 2 C B A |
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| XXXX | 2020103 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1978433 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 1996912 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 1996911 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 1996910 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 1 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 2000664 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2000672 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000661 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2013831 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2013829 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2001997 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2000666 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2000673 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2000671 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000670 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2000663 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2001989 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2001986 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2009738 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 2009739 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 1 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2000668 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2013830 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2001987 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2002000 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 2 | 2 | 1 | 1 C B A |
| XXXX | 2001996 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2001995 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2001994 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2001993 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2000660 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009728 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2009736 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 2009733 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2001998 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2001990 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2001985 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2002001 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2001999 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2001988 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2009732 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2009730 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009729 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2009734 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2013826 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2013828 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2020289 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2020285 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 2013825 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 2020288 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 2020287 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 2013827 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 2020286 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 1873508 | XXXX | XX/XX/XXXX | XX/XX/XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.17

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 1993219 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018685 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018681 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.977% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018686 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018683 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018682 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.462% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018687 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993213 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993222 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.857% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993220 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013638 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.404% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.511% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.615% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.881% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.762% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.762% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.111% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993215 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993215-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993215-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013642 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013642-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.475% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013642-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.539% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013641 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.122% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002079 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | 19.559% | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993218 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993218-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993218-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.030% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993225 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.615% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018680 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018680-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.215% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018680-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -17.500% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |
| XXXX | 2018680-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.801% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993212 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.639% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002077 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.353% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013639 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013637 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.183% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013640 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.061% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002072 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  | XXXX | XXXX | -35.095% | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | -8.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002075 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.250% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016510 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947987 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916082 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1964255 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -12.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-07 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-08 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-09 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-10 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-11 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-12 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-13 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-14 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-15 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-16 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-17 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-18 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1948010 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016852 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003886 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947971 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916108 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1964223 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable | XXXX | XXXX | 0.000% | XX/XX/XXXX | 1025 |  |  |  |  |  |  | XXXX | XXXX | -13.559% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009797 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009797-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009797-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009796 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916107 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.526% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995057 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020278 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009795 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009794 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993172 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.297% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993175 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020277 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995054 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020275 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016511 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993171 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4.242% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.860% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995055 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1980287 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993173 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012800 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016853 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016509 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007340 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007340-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007340-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007340-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007329 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996982 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993170 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993166 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007341 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993167 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.846% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012799 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019588 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993164 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012797 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019587 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993161 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016508 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993159 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016854 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996978 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003883 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016855 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016855-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.576% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016855-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016855-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.105% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993163 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-05 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-06 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995052 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | Other | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.545% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016850 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.083% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012798 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012794 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.613% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.333% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.622% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4.444% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007313 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012793 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993155 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.404% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007309 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007324 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995053 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012795 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996975 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007314 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993156 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993157 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016849 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003881 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993151 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007310 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012796 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007312 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993152 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012790 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016848 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007307 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993149 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016507 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993148 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995049 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016851 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012789 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007297 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012791 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993141 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007298 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016506 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016847 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003882 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.194% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012792 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993142 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016845 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995048 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995046 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995047 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993146 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016844 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016842 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016841 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007282 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012785 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019585 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019582 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012786 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279-03 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279-04 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007280 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995045 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007278 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007276 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993137 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016840 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996980 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016502 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996981 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003880 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996984 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016843 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007275 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016837 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012788 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003877 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003878 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016836 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007366 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016838 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016501 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.588% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993133 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016839 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016835 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016832 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.878% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016503 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012787 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012781 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012782 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012784 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012783 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993131 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003876 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019583 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019584 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019581 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012777 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007362 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007361 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995043 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003874 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012780 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007354 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007352 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.553% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012779 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012779-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012779-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016500 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019579 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016833 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019577 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012778 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012773 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016834 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019580 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.780% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012776 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.455% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016830 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007351 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007347 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.882% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019578 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007346 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996967 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996983 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007338 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012774 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012775 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007336 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012769 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007334 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012772 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016505 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016828 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012770 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007333 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016829 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016831 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016825 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016827 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -18.367% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012771 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016504 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007320 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016824 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016824-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016824-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016495 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016826 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012765 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019573 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.858% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019575 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007318 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007317 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019576 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007316 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016494 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012766 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016821 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016823 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007287 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016822 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019574 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016496 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012767 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 9.091% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019571 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007299 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016820 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016497 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016499 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016498 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019572 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012768 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019569 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016490 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016488 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007288 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012763 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016819 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016492 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007289 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007286 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012764 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019570 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019567 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016489 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.116% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016493 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016491 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007283 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016486 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016485 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016487 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019568 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016482 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.385% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016483 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016484 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016480 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016476 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016481 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016479 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016477 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016478 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019565 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016475 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016470 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016471 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016474 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019566 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016473 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016472 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016467 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016464 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016466 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019564 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016465 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016469 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016468 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019563 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019561 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.247% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016463 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016458 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016459 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019562 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX |  |  |  |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019562-01 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019562-02 | XXXX | XXXX | XX | XXXX |  |  |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016461 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019560 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016460 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016462 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016457 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016452 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019558 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016453 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019559 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019557 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016455 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019555 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019556 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016456 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016454 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.690% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1701357 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696189 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1710587 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1923753 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002000 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1873508 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996912 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1978433 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996911 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000672 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009738 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009739 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009736 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000673 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995605 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011703 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995604 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995607 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011701 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995609 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995617 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002049 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.250% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995620 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011702 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998374 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.263% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002048 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995626 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998380 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1999237 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998384 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002051 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020316 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008686 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1999238 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995634 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008689 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.785% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008690 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.833% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002050 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008687 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998385 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998389 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998395 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998394 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995636 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998391 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998399 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998401 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995646 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011700 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011707 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998400 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011704 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.448% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999240 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002055 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011706 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020315 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008694 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008692 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011705 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011710 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008691 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020314 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020313 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011711 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998405 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1999242 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020312 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.125% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020308 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020309 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002059 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.130% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011709 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011708 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008700 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011714 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011715 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008699 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011712 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013744 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020310 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011713 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011716 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.547% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011719 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011718 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.889% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020305 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020306 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020307 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011717 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013746 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002064 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013743 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011720 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020302 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020303 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011722 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013747 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020304 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020300 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020299 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011721 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008703 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011723 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011727 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011724 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011726 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020301 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008707 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020298 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.260% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020296 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020297 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013749 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013748 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011725 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020295 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.273% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013742 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995644 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011729 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008708 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013750 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1998408 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2011731 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2008711 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1995642 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013751 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011730 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020293 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013752 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020294 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020292 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020290 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020209 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020291 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013753 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020208 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011728 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000670 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000671 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002001 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000668 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 1996910 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000666 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013828 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001998 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001999 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000664 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013829 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009734 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001997 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000663 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001996 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001995 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001994 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001993 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009732 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009733 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009730 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001990 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000660 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020288 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009729 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000661 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013825 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020289 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020285 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009728 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013830 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001989 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001988 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013831 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001987 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013827 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020287 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2001986 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001985 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013826 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020286 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002003 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.762% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011837 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011836 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2015566 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009847 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016387 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020104 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000498 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000480 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000492 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000483 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000544 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009833 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002112 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000549 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000545 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005420 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000539 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000528 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000529 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013702 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005429 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000527 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002104 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002102 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002101 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000512 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000515 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000517 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000516 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000502 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000511 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005444 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2000486 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005441 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005422 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002099 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2009832 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002097 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013703 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2016526 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.407% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013704 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002094 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.750% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009841 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2002095 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005428 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005446 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005430 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013705 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2005431 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2016522 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020284 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013730 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013728 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.389% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005440 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.977% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2016529 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018556 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013708 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013709 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013727 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013710 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013711 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013713 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013724 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013714 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013726 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2018555 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013729 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.934% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013720 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013718 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013734 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020097 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013717 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013719 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Decreasing |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.025% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2018553 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013731 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013732 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.901% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013735 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2016523 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020098 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Increasing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013721 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020281 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020280 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016524 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013725 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013738 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2016525 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020103 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020283 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020099 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020101 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2020100 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013739 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2013737 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 2018558 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.175% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020282 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.18

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.18**

---

| | | |
|:---|:---|:---|
| **Report Pulled:** | 6/20/2025 |  |
| **Loan Count:** | 581 / 632 |  |
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Amortization Term in Months | 50 | 8.61% |
| Appraised Value | 13 | 2.24% |
| CLTV | 14 | 2.41% |
| Debt Service Coverage Ratio | 357 | 61.45% |
| First Payment Due Date | 5 | 0.86% |
| Loan Purpose | 17 | 2.93% |
| LTV | 47 | 8.09% |
| Maturity Date | 6 | 1.03% |
| Original Interest Rate | 4 | 0.69% |
| Original Loan Amount | 5 | 0.86% |
| Original Qualifying FICO Score | 17 | 2.93% |
| Origination/Note Date | 80 | 13.77% |
| Originator Back-End DTI | 2 | 0.34% |
| Property Type | 44 | 6.96% |
| Subject Street Address | 5 | 0.79% |
| Subject Zipcode | 6 | 0.95% |
| The Original Principal and Interest Payment Amount | 7 | 1.20% |

---

## Exhibit 99.19

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 6/20/2025 |  |  |  |  |  |
| **Loan Count:** | 581 / 632 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 1993219 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993219 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1993219 | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2018685 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2018685 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2018685 | XXXX | Loan Purpose | Refi R&T | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 2018685 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2018685 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2018685 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2018685 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2018685 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2018681 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2018681 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2018681 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2018681 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2018681 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2018681 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2018686 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2018686 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2018686 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2018683 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2018683 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 2018683 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2018683 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2018682 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2018682 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2018682 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2018682 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2018682 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2018682 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2018682 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2018687 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2018687 | XXXX | Property Type | SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 1993213 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993213 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1993222 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1993220 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 1993220 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993220 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 1993220 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 1993220 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2013638 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2013638 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013638 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2013638 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2013638 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2013642 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013642 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 2013641 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2013641 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013641 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2013641 | XXXX | Loan Purpose | Cash Out Refi | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2013641 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2013641 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2013641 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2013641 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2002079 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002079 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2002079 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1993218 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993218 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 1993225 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2018680 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1993212 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993212 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002077 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002077 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2013639 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013639 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2013637 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013637 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2013640 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2013640 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2013640 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013640 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2013640 | XXXX | Maturity Date | XXXX | XXXX |
| XXXX | XXXX | 2013640 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2013640 | XXXX | Property Type | SFR | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2013640 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2002072 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002072 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002075 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016510 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1947987 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1916082 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1916072 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 1964255 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1964255 | XXXX | Original Interest Rate | XXXX | XXXX |
| XXXX | XXXX | 1964255 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 1948010 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2020279 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2020279 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1916061 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1916061 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2003886 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1947971 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1964223 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009797 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009797 | XXXX | Original Loan Amount | XXXX | XXXX |
| XXXX | XXXX | 2009797 | XXXX | The Original Principal and Interest Payment Amount | XXXX | XXXX |
| XXXX | XXXX | 2009796 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2009796 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009796 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1995056 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Subject Zipcode | XXXX | XXXX |
| XXXX | XXXX | 1995057 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020278 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009795 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009795 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2009794 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993172 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993172 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1993175 | XXXX | Property Type | Detached SFR | 2 Family |
| XXXX | XXXX | 2020277 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020277 | XXXX | Property Type | SFR | 2 Family |
| XXXX | XXXX | 1995054 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2020275 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020275 | XXXX | Loan Purpose | Cash Out Refinance | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 1993171 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2020276 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1980287 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1980287 | XXXX | Loan Purpose | Purchase | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | XXXX | 1993173 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993173 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2012800 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016853 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2016509 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016509 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007329 | XXXX | Property Type | XXXX | XXXX |
| XXXX | XXXX | 1996982 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1993170 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993166 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019588 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019588 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 1993164 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012797 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012797 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2019587 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993161 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993159 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016854 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016854 | XXXX | Loan Purpose | Refinance (Cash Out) | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 1996978 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2016855 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | #N/A | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 1993163 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007327 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007327 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1995052 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995052 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2019586 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | #N/A | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | #N/A | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2012793 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012793 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007324 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2012795 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012795 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007314 | XXXX | Subject Street Address | XXXX | XXXX |
| XXXX | XXXX | 2016849 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1993151 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012790 | XXXX | Loan Purpose | Refinance (Cash Out) | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2016848 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 1993149 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016507 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995049 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012791 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007298 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2016847 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016846 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012792 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016845 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016841 | XXXX | Loan Purpose | Refinance (Cash Out) | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2007282 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012785 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2012785 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019585 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2012786 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007279 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | #N/A | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | #N/A | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007280 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007278 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007276 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993137 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996980 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016502 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016502 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2003880 | XXXX | Property Type | Detached SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2016837 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012788 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2003877 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2003878 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2016836 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007366 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016838 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016501 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1993133 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016835 | XXXX | Loan Purpose | Purchase | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2016835 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016832 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016503 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016503 | XXXX | Loan Purpose | Refinance (Cash Out) | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2016503 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2012787 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2012787 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012787 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2012781 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2012782 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2012784 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2003876 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2012777 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2003874 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2003874 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2012780 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2007354 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016500 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019579 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019579 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2016833 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019577 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012778 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2012778 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2012773 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2012773 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2019580 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2012776 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2016830 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019578 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2019578 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019578 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1996983 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012774 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007336 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2012769 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2012769 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016505 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012770 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2007333 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2007333 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007333 | XXXX | Property Type | Detached SFR | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2016829 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016829 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2016831 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016825 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016827 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016827 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2016504 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016495 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016826 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012765 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019573 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2019575 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007317 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019576 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2019576 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019576 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016494 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012766 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012766 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2007287 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016822 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2019574 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016496 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016496 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019571 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007299 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016820 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016820 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016497 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016499 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016498 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016498 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019572 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012768 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019569 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016490 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016490 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016488 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016488 | XXXX | Loan Purpose | Refinance (Cash Out) | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2012763 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016492 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007289 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2007286 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2012764 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019570 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2019570 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019567 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2019567 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016489 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016493 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016491 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016486 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016486 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016485 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016485 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2019568 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016482 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016483 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016483 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016484 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016484 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016480 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016480 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016476 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016476 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016476 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016481 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016481 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016479 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016479 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016477 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016477 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016478 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016478 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019565 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019565 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016475 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016475 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016470 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016471 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016474 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016474 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019566 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2019566 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016473 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016472 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016467 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016464 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016464 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016464 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016466 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019564 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016465 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016469 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016468 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019563 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019563 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019561 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019561 | XXXX | Property Type | Detached SFR | 1 Family Attached |
| XXXX | XXXX | 2016463 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016463 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016458 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016458 | XXXX | Loan Purpose | Refinance (Cash Out) | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 2016459 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016459 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019562 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019562 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016461 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019560 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019560 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016460 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016462 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016462 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016457 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016452 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019558 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019558 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016453 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2016453 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019559 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2019559 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019557 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016455 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019555 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019556 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2019556 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2019556 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2016456 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016454 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1701357 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1696189 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1710587 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1923753 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1923753 | XXXX | Loan Purpose | Cash-Out Refinance | Rate/Term Refinance -- Borrower initiated |
| XXXX | XXXX | 1923753 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 1923753 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002000 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1873508 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996912 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1996911 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000672 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000672 | XXXX | Property Type | SINGLE FAMILY | 2 Family |
| XXXX | XXXX | 1995605 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011703 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011703 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011703 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1995604 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995607 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011701 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011701 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011701 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1995609 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995617 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002049 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2002049 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995620 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011702 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011702 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011702 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1998374 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002048 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995626 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995626 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1998380 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999237 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998384 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002051 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020316 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020316 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2020316 | XXXX | Property Type | Detached | 1 Family Attached |
| XXXX | XXXX | 2008686 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008686 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008686 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2008686 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1999238 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995634 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995634 | XXXX | Property Type | Attached | Townhouse |
| XXXX | XXXX | 2008689 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008689 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008689 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2008689 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2008690 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008690 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008690 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2008690 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2002050 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008687 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008687 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008687 | XXXX | Loan Purpose | Cash-Out Refinance | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2008687 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2008687 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1998389 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998389 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1998394 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1995636 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998391 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1998391 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998399 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998401 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 1995646 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011700 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011707 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011707 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1998400 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011704 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999240 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002055 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011706 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020315 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008694 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008694 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008694 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2008692 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008692 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008692 | XXXX | Loan Purpose | Cash-Out Refinance | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2008692 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2011705 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011710 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011710 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011710 | XXXX | Loan Purpose | Cash-Out Refinance | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2008691 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008691 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008691 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2020314 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020313 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011711 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011711 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998405 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 1998405 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999242 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 1999242 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 1999242 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1999242 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2020312 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020312 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2020308 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020309 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002059 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011709 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011708 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008700 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011714 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011715 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008699 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011712 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013744 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2013744 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020310 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011713 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011713 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2011716 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011716 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2011719 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011719 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011718 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020305 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020306 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020307 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011717 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013746 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2013746 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002064 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013743 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011720 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020302 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020303 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020303 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2011722 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013747 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020304 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020300 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020299 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011721 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008703 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011723 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011727 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011727 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011724 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011724 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011726 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2011726 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011726 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2020301 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008707 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020298 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2020298 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2020298 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2020298 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020298 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2020296 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020297 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013749 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013748 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011725 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020295 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013742 | XXXX | Property Type | Condominium - High Rise | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 1995644 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011729 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011729 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2008708 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008708 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008708 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2013750 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013750 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1998408 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 1998408 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2011731 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011731 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2008711 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2008711 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2008711 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 1995642 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013751 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011730 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020293 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013752 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013752 | XXXX | Property Type | Detached | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2020294 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020294 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2020292 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020290 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020209 | XXXX | Amortization Term in Months | XXXX | XXXX |
| XXXX | XXXX | 2020209 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020209 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2020291 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020291 | XXXX | Origination/Note Date | XXXX | XXXX |
| XXXX | XXXX | 2013753 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020208 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 2011728 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000670 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002001 | XXXX | Property Type | Townhouse | Single Family Detached non-PUD |
| XXXX | XXXX | 1996910 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013828 | XXXX | First Payment Due Date | XXXX | XXXX |
| XXXX | XXXX | 2013828 | XXXX | Property Type | SINGLE FAMILY | 4 Family |
| XXXX | XXXX | 2001998 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001999 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001999 | XXXX | Property Type | Townhouse | 1 Family Attached |
| XXXX | XXXX | 2009734 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001997 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000663 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001996 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001996 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2001995 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2001994 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2001993 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001993 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2009732 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009732 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2009733 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009730 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2000660 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020288 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009729 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000661 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000661 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2000661 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2013825 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020285 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009728 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013830 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001989 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001989 | XXXX | Property Type | SINGLE FAMILY | PUD - Only for use with Single-Family Detached Hom |
| XXXX | XXXX | 2013831 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001987 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020287 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020287 | XXXX | Loan Purpose | Cash-Out Refinance | Limited Cash-Out (GSE Definition) |
| XXXX | XXXX | 2001986 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2001985 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013826 | XXXX | Property Type | Townhouse | 1 Family Attached |
| XXXX | XXXX | 2020286 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002003 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002003 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2011837 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2011836 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2015566 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2015566 | XXXX | Property Type | SINGLE FAMILY | Condo, Low Rise - 4 or fewer stories |
| XXXX | XXXX | 2009847 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2009847 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2016387 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016387 | XXXX | Original Qualifying FICO Score | XXXX | XXXX |
| XXXX | XXXX | 2000498 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000492 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000483 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000544 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000549 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000528 | XXXX | Property Type | Attached | Townhouse |
| XXXX | XXXX | 2000527 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002104 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002102 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000512 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000515 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000517 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2005444 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2000486 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2005441 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002099 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002097 | XXXX | Property Type | Condominium | 1 Family Attached |
| XXXX | XXXX | 2013703 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2013703 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2013703 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013703 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2016526 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013704 | XXXX | Property Type | PUD | 1 Family Attached |
| XXXX | XXXX | 2002094 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2002095 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2005428 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013705 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2013705 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016522 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2016522 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2013730 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2018556 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013708 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013711 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013713 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013724 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013726 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013718 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013719 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2013731 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2013732 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2013721 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020280 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | XXXX | 2020280 | XXXX | CLTV | XXXX | XXXX |
| XXXX | XXXX | 2020280 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020280 | XXXX | LTV | XXXX | XXXX |
| XXXX | XXXX | 2013738 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2016525 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020283 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2013737 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |
| XXXX | XXXX | 2020282 | XXXX | Debt Service Coverage Ratio | XXXX | XXXX |

---

## Exhibit 99.20

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Program** | **Document Type** | **Asset Depletion Flag** | **Length of Income Verification in months** | **Investment DSCR (Rent/PITIA)** | **Rent DSCR** | **PITIA DSCR** | **Number of Borrowers** | **Number of Natural Borrowers** | **Borrower/Guarantor Resident Indicator National** | **Co Borrower/Guarantor Resident Indicator** | **Borrower 3/Guarantor Resident Indicator** | **Borrower 4/Guarantor Resident Indicator** | **Borrower Guarantor/Employment Indicator** | **Co Borrower/Guarantor Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **TILA Status** | **Lease in-Place for Investment Property** | **Short Term Rental Flag** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11 (Application Date)** | **Months Bankruptcy 13 (Application Date)** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu (Application Date)** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC) (Application Date)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure (Application Date)** |
| XXXX | 1701357 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1696189 | Investor - DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1710587 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1923753 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995605 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011703 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995604 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995607 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011701 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995609 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995617 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002049 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995620 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011702 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998374 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002048 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995626 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998380 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999237 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998384 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002051 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020316 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008686 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999238 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995634 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008689 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008690 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002050 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008687 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998385 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998389 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998395 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998394 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995636 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998391 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998399 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998401 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 24 Mos | 0 | 24 months or more income verification |  |  |  | 1 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995646 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011700 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011707 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998400 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011704 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999240 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002055 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011706 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020315 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008694 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008692 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011705 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011710 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008691 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020314 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020313 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011711 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998405 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1999242 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020312 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020308 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020309 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002059 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011709 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011708 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008700 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011714 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011715 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008699 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011712 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013744 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020310 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011713 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011716 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011719 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011718 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020305 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020306 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020307 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011717 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013746 | AHL Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002064 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013743 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011720 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020302 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020303 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011722 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013747 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020304 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020300 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020299 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011721 | AHL CORR - DEL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008703 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011723 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011727 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011724 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011726 | AHL WS Invest Star - Fixed 40 Yr I/O | Investor - DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020301 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008707 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020298 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Non-Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020296 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020297 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013749 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013748 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011725 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020295 | AHL Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013742 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995644 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011729 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008708 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013750 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1998408 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011731 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2008711 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995642 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013751 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011730 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020293 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013752 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020294 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020292 | AHL WS Invest Star Plus - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020290 | AHL Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020209 | AHL WS Invest Star - Fixed 40 Yr I/O | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020291 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013753 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020208 | AHL WS Rising Star - Business Purpose - Fixed 30 Yr | Business Bank Stmt: 12 Mos | 0 | 12 to 23 months income verification |  |  |  | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011728 | AHL WS Invest Star - Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993219 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018685 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018681 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 0 | 0 | 0 |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018686 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018683 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018682 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018687 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993213 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993222 | Fixed 30 Yr | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 | XXXX | XX/XX/XXXX | 1 | 273 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993220 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013638 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993215 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013642 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013641 | 30 Year Fixed | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002079 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993218 | Fixed 30 Year | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993225 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018680 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993212 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002077 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 | XXXX | XX/XX/XXXX | 1 | 99 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013639 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013637 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013640 | 30 Yr Fixed DSCR | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 4 | U.S. Citizen | U.S. Citizen | U.S. Citizen | U.S. Citizen | 0 | 0 | 0 | 0 | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002072 | 30 Year Fixed | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002075 | Fixed 30 Year | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016510 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947987 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916082 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1964255 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1948010 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016852 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003886 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1947971 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916108 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1964223 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009797 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009796 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916107 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995057 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020278 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009795 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009794 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993172 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993175 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020277 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995054 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020275 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016511 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993171 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995055 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1980287 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993173 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012800 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016853 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016509 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007340 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007329 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996982 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993170 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993166 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007341 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993167 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012799 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019588 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993164 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012797 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019587 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993161 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016508 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993159 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016854 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996978 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003883 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016855 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993163 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995052 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016850 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | 1 | 163 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012798 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012794 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007313 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012793 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993155 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007309 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007324 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995053 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012795 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996975 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007314 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993156 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993157 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016849 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003881 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993151 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007310 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012796 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007312 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | 1 | 129 |  |  |  |  |  |  |  | XX/XX/XXXX | 2 | 155 |
| XXXX | 1993152 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012790 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016848 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007307 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993149 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016507 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993148 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995049 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016851 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012789 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007297 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012791 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993141 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007298 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016506 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016847 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003882 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012792 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993142 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016845 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | 1 | 183 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995048 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995046 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995047 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993146 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016844 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016842 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016841 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007282 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 3 | U.S. Citizen | U.S. Citizen | U.S. Citizen |  | 1 | 0 | 1 |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012785 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019585 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019582 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012786 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007280 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995045 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007278 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007276 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993137 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016840 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996980 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016502 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996981 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003880 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996984 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016843 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007275 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016837 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012788 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003877 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003878 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016836 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007366 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016838 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016501 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993133 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016839 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016835 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016832 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016503 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012787 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012781 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012782 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012784 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012783 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993131 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003876 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019583 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019584 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019581 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012777 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007362 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007361 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995043 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | 1 | 175 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003874 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012780 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007354 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | Non-Permanent Resident-Alien |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007352 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012779 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016500 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019579 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016833 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019577 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012778 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012773 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016834 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019580 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012776 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016830 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007351 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007347 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019578 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007346 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996967 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996983 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007338 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 4 | 2 | Foreign National | Foreign National |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012774 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012775 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007336 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012769 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007334 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012772 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016505 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016828 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012770 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Permanent Resident-Alien | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007333 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016829 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016831 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016825 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016827 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012771 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016504 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007320 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016824 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016495 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016826 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012765 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019573 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019575 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007318 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007317 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019576 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007316 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016494 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012766 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016821 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016823 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007287 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016822 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019574 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016496 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012767 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019571 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007299 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016820 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016497 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | Foreign National | Foreign National |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016499 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016498 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019572 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012768 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019569 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016490 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016488 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007288 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012763 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016819 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016492 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007289 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007286 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012764 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019570 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019567 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016489 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016493 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016491 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007283 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016486 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016485 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016487 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019568 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016482 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016483 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016484 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016480 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016476 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016481 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016479 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016477 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016478 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019565 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016475 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016470 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016471 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016474 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019566 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016473 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016472 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016467 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016464 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016466 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019564 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016465 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016469 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016468 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019563 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019561 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016463 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016458 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016459 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019562 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016461 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 1 | 1 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019560 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016460 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016462 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016457 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016452 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019558 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016453 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019559 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019557 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016455 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019555 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019556 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016456 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016454 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002000 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1873508 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996912 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 | XXXX | XX/XX/XXXX | 1 | 308 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1978433 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996911 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 | XXXX | XX/XX/XXXX | 1 | 308 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000672 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009738 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009739 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009736 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000673 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000670 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000671 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002001 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000668 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1996910 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000666 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013828 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001998 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001999 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000664 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013829 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009734 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001997 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000663 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001996 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001995 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001994 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001993 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009732 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009733 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009730 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | Non-Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001990 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000660 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020288 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | Foreign National |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009729 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000661 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013825 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1 | 154 |
| XXXX | 2020289 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 | XXXX | XX/XX/XXXX | 1 | 314 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020285 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 | XXXX | XX/XX/XXXX | 1 | 314 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009728 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013830 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001989 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001988 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | 1 | 183 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013831 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001987 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013827 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020287 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001986 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2001985 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013826 | Single Property Rental | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020286 | Single Property Rental | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002003 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011837 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2011836 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2015566 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009847 |  | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016387 |  | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020104 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000498 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000480 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000492 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000483 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000544 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009833 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002112 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000549 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000545 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005420 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000539 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000528 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000529 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013702 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 | XXXX | XX/XX/XXXX | 1 | 86 |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005429 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000527 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002104 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002102 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002101 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000512 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000515 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000517 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000516 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000502 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000511 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005444 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2000486 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005441 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005422 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002099 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009832 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002097 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013703 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016526 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013704 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002094 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009841 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2002095 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005428 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005446 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005430 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013705 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005431 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016522 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020284 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013730 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013728 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2005440 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016529 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018556 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013708 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013709 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013727 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013710 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 12 to 23 months income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013711 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 1 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013713 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013724 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013714 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013726 | Non-QM 30 Year Fixed I/O DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018555 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013729 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013720 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | Permanent Resident-Alien |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013718 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013734 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020097 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013717 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013719 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018553 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013731 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013732 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013735 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016523 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020098 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013721 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020281 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020280 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016524 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013725 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013738 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016525 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020103 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 3 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020283 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020099 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 2 | U.S. Citizen | U.S. Citizen |  |  | 0 | 0 |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020101 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020100 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013739 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013737 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018558 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 1 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020282 | Non-QM 30 Year Fixed DSCR E39 | DSCR | 0 | 11 months or less income verification | XXXX | XXXX | XXXX | 2 | 1 | U.S. Citizen |  |  |  | 0 |  |  |  | GQM Exempt - Business Purpose | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.21

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.21**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Lease In Place Indicator** | **Short Term Rental indicator** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Rent from Lease** | **Rent from Market Survey** | **Business Expense-to-Income Ratio** | **Source of Business Expense-to-Income Ratio** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 1701357 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2300 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1696189 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  |  |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1710587 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1923753 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995605 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 8000 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011703 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995604 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995607 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011701 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995609 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995617 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 900 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2002049 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995620 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2011702 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998374 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002048 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3475 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995626 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998380 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1999237 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998384 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2002051 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2000 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020316 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 4500 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008686 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1999238 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1995634 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1450 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008689 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008690 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002050 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2680 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008687 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998385 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998389 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998395 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998394 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995636 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1998391 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | 3150 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1998399 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2100 |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1998401 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 24 | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 1 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 7 |  |  |  |  | 60 | Standard Ratio per Guidelines |  |  |  |  | 21776.11 | 0 | 24 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1995646 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2500 |  |  |  | 1.353 | Market Survey | 1847.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011700 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011707 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998400 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011704 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1999240 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002055 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2011706 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020315 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2008694 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008692 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1700 |  |  |  | 1.031 | Market Survey | 1648.17 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011705 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011710 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008691 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1600 |  |  |  | 1.032 | Market Survey | 1550.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020314 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020313 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011711 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1900 |  |  |  | 1.105 | Market Survey | 1719.95 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998405 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1999242 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020312 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020308 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020309 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002059 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011709 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011708 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008700 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011714 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 7800 |  |  |  | 2.1 | Market Survey | 3714.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011715 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2008699 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1150 |  |  |  | 1.173 | Market Survey | 980.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011712 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2800 |  |  |  | 1.591 | Market Survey | 1759.79 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013744 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020310 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2600 |  |  |  | 1.491 | Market Survey | 1744.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011713 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1375 |  |  |  | 1.587 | Market Survey | 866.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011716 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2600 |  |  |  | 1.527 | Market Survey | 1703.02 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011719 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 22000 |  |  |  | 1.007 | Market Survey | 21844.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011718 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020305 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2600 |  |  |  | 0.778 | Market Survey | 3339.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020306 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020307 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011717 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1700 |  |  |  | 1.639 | Market Survey | 1037.05 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013746 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002064 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013743 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 27000 |  |  |  | 2.24 | Short Term Rental | 12053.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011720 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2000 |  |  |  | 1.733 | Market Survey | 1154.13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020302 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020303 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011722 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1250 |  |  |  | 1.631 | Market Survey | 766.51 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013747 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 4800 |  |  |  | 1.177 | Market Survey | 4079.43 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020304 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020300 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020299 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011721 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 1700 |  |  |  | 1.36 | Market Survey | 1250.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2008703 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1870 |  |  |  | 1.752 | Market Survey | 1067.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011723 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011727 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | 1800 |  |  |  | 1.001 | Market Survey | 1798.74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2011724 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | 1800 |  |  |  | 1 | Market Survey | 1799.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2011726 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020301 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3000 |  |  |  | 1.045 | Market Survey | 2870.41 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008707 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020298 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | 1900 |  |  |  | 1.001 | Market Survey | 1897.41 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020296 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1500 |  |  |  | 1.712 | Market Survey | 876.02 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020297 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013749 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013748 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011725 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 3200 |  |  |  | 1.093 | Market Survey | 2927.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020295 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013742 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 4000 |  |  |  | 0.785 | Market Survey | 5093.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995644 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011729 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008708 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1700 |  |  |  | 1.1 | Market Survey | 1545.02 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013750 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1998408 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 1700 |  |  |  | 1.072 | Market Survey | 1585.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2011731 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2008711 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1700 |  |  |  | 1.104 | Market Survey | 1539.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995642 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013751 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 4737.39 |  |  |  | 1.228 | Short Term Rental | 3858.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011730 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020293 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013752 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020294 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 5150 |  |  |  | 1.307 | Market Survey | 3941.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020292 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020290 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020209 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 10000 |  |  |  | 1.587 | Market Survey | 6302.45 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020291 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013753 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1400 |  |  |  | 1.518 | Market Survey | 922.48 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020208 | GQM Exempt - Business Purpose | N/A |  | 0 | 1 | Business | 0 | 12 | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 4 | 0 |  |  |  | 62 | Standard Ratio per Guidelines |  |  |  |  | 73487.34 | 0 | 12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011728 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 1873508 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 7000 |  |  |  | 1.42 | Market Survey | 4929.85 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1916108 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1916107 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1964255 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1500 |  |  |  | 1.33 | Market Survey | 1128.05 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1964223 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016508 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993171 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 1 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1980287 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016511 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993175 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1947971 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1947987 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1948010 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.071 | Market Survey | 2054.29 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1916082 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1978433 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3800 |  |  |  | 2.197 | Market Survey | 1729.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996912 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Other | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2525 |  |  |  | 1.141 | Market Survey | 2213.72 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996911 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2525 |  |  |  | 1.141 | Market Survey | 2213.72 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996910 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993225 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 6 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993222 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993219 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016852 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003886 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995057 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993172 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995054 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995055 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993173 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996982 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993170 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993166 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993167 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993164 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993161 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1400 |  |  |  | 1.531 | Market Survey | 914.5017 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993159 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996978 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003883 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993163 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3500 |  |  |  | 1.068 | Market Survey | 3275.755 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995052 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993155 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995053 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996975 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.538 | Market Survey | 1430.3092 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993156 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2500 |  |  |  | 1.429 | Market Survey | 1749.1633 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993157 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 925 |  |  |  | 1.152 | Market Survey | 802.8883 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003881 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1350 |  |  |  | 1.481 | Market Survey | 911.6283 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993151 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993152 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993149 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1245 |  |  |  | 1.132 | Market Survey | 1100.2142 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993148 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.402 | Market Survey | 1569.7367 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995049 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993141 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1550 |  |  |  | 1.206 | Market Survey | 1284.7483 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003882 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1360 |  |  |  | 1.076 | Market Survey | 1263.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993142 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1575 |  |  |  | 1.365 | Market Survey | 1153.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995048 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995046 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995047 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993146 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016844 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2950 |  |  |  | 1.201 | Market Survey | 2457.0208 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995045 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1385 |  |  |  | 1.192 | Market Survey | 1161.755 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993137 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996980 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996981 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.147 | Market Survey | 1918.5883 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003880 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996984 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016838 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1100 |  |  |  | 1.13 | Market Survey | 973.0258 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993133 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993131 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1900 |  |  |  | 1.671 | Market Survey | 1136.8767 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995043 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996967 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1996983 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016831 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016825 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016827 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993220 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1400 |  |  |  | 1.66 | Market Survey | 843.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993213 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993212 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000480 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Trust |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2000483 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000544 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000549 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2000545 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 4875 |  |  |  | 1.388 | Market Survey | 3511.24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000529 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000515 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2000539 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2000527 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2002079 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2700 |  |  |  | 1.444 | Market Survey | 1870.42 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000672 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3900 |  |  |  | 1.269 | Market Survey | 3074.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000673 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000670 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.144 | Market Survey | 1573.95 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000671 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000666 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 4200 |  |  |  | 1.391 | Market Survey | 3018.59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000664 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013829 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001997 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 12500 |  |  |  | 1.218 | Market Survey | 10264.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000663 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2275 |  |  |  | 1.11 | Market Survey | 2049.59 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000661 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 8850 |  |  |  | 1.124 | Market Survey | 7875.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013831 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 9 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000516 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000502 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2000486 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000512 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2000492 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2000498 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2002003 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1682.83 |  |  |  | 1.093 | Short Term Rental | 1539.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002000 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009738 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3900 |  |  |  | 1.225 | Market Survey | 3183.67 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009739 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3900 |  |  |  | 1.169 | Market Survey | 3335.11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000668 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1295 |  |  |  | 1.329 | Market Survey | 974.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001996 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001995 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001994 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001993 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000660 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009728 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 5200 |  |  |  | 1.631 | Market Survey | 3188.82 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013830 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001989 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001987 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001986 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000528 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012800 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016853 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2500 |  |  |  | 1.283 | Market Survey | 1949.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007329 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1200 |  |  |  | 1.844 | Market Survey | 650.87 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007341 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012799 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019588 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012797 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016854 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1150 |  |  |  | 1.329 | Market Survey | 865.49 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016850 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012798 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012794 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007313 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2050 |  |  |  | 1.534 | Market Survey | 1336.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012793 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007309 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007324 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012795 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 |  | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007314 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016849 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2600 |  |  |  | 2.359 | Market Survey | 1102.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007310 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012796 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007312 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012790 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016848 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2025 |  |  |  | 2.241 | Market Survey | 903.55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007307 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.195 | Market Survey | 1506.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016851 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012789 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007297 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012791 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.26 | Market Survey | 1429.06 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007298 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1850 |  |  |  | 1.554 | Market Survey | 1190.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016847 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012792 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1200 |  |  |  | 1.244 | Market Survey | 964.69 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016845 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016842 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.207 | Market Survey | 1490.84 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007282 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012785 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019585 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1900 |  |  |  | 1.468 | Market Survey | 1294.42 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019582 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1900 |  |  |  | 1.357 | Market Survey | 1399.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012786 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007280 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007278 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007276 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 1 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016840 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1250 |  |  |  | 1.428 | Market Survey | 875.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016843 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007275 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016837 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012788 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2400 |  |  |  | 1.223 | Market Survey | 1962.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003877 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.306 | Market Survey | 1378.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003878 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.307 | Market Survey | 1683.74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016836 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.268 | Market Survey | 1734.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007366 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016839 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016835 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016832 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.373 | Market Survey | 1602.24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012787 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012781 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2100 |  |  |  | 1.518 | Market Survey | 1383.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012782 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 1 | 1 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012784 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012783 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1900 |  |  |  | 1.08 | Market Survey | 1759.87 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003876 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019583 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1850 |  |  |  | 1.336 | Market Survey | 1384.97 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019584 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2000 |  |  |  | 1.411 | Market Survey | 1417.36 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019581 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1850 |  |  |  | 1.372 | Market Survey | 1348.66 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012777 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1900 |  |  |  | 1.069 | Market Survey | 1777.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007362 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007361 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2003874 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012780 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007354 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007352 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 6200 |  |  |  | 1.052 | Market Survey | 5896.14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016833 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1400 |  |  |  | 1.562 | Market Survey | 896.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012778 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012773 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2100 |  |  |  | 1.949 | Market Survey | 1077.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016834 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1300 |  |  |  | 1.375 | Market Survey | 945.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019580 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1600 |  |  |  | 1.979 | Market Survey | 808.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012776 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1700 |  |  |  | 1.2 | Market Survey | 1416.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016830 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1150 |  |  |  | 1.433 | Market Survey | 802.45 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007351 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007347 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007346 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007338 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012774 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012775 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007336 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1400 |  |  |  | 1.384 | Market Survey | 1011.44 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012769 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007334 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2625 |  |  |  | 1.393 | Market Survey | 1884.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012772 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016828 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 1 | 0 | XX | 0 | 0 | XXXX |  | 1250 |  |  |  | 1.05 | Market Survey | 1190.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012770 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1450 |  |  |  | 1.119 | Market Survey | 1295.38 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007333 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2835 |  |  |  | 1.064 | Market Survey | 2664.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016829 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012771 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007320 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016826 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012765 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2400 |  |  |  | 2.503 | Market Survey | 958.83 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019573 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1850 |  |  |  | 1.13 | Market Survey | 1637.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007318 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007317 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007316 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012766 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016821 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1300 |  |  |  | 1.293 | Market Survey | 1005.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016823 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007287 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016822 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012767 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007299 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 6 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016820 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1200 |  |  |  | 1.156 | Market Survey | 1038.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012768 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 8 | 0 | XXXX |  | 1950 |  |  |  | 1.287 | Market Survey | 1514.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007288 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012763 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 1 | 1 | XXXX |  | 1600 |  |  |  | 1.414 | Market Survey | 1131.32 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016819 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007289 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007286 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012764 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019570 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019567 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007283 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000517 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2009736 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3900 |  |  |  | 1.156 | Market Survey | 3374.86 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002001 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001998 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001999 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2009733 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001990 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001988 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2001985 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 7950 |  |  |  | 2.528 | Market Survey | 3144.68 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002072 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2000511 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2002101 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2002099 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 8500 |  |  |  | 1.206 | Market Survey | 7045.18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002094 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013641 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002077 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3150 |  |  |  | 1.143 | Market Survey | 2756.4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002112 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2002102 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002095 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002104 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2185 |  |  |  | 1.459 | Market Survey | 1498.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002097 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2002075 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 6 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005428 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005441 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 0.973 | Market Survey | 2261.56 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005446 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009732 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009730 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009729 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005429 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005420 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 5225 |  |  |  | 1.408 | Market Survey | 3710.15 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013640 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 4800 |  |  |  | 1.004 | Market Survey | 4781.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2015566 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 12500 |  |  |  | 1.074 | Short Term Rental | 15008.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009847 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005422 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 1 | 1 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005430 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Inter Vivos Trust |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005444 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013639 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005440 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XX | 1 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2005431 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  | XX | 0 | 0 | XXXX |  | 5778 |  |  |  | 1.079 | Market Survey | 5357.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013705 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013728 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009833 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013713 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | Inter Vivos Trust |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 3800 |  |  |  | 1.807 | Market Survey | 2103.34 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009832 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009795 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009794 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009796 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1200 |  |  |  | 1.046 | Market Survey | 1032.35 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013638 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009841 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013708 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 4100 |  |  |  | 1.009 | Market Survey | 4063.52 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013637 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011836 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2011837 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013704 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013710 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013718 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 14500 |  |  |  | 1.328 | Short Term Rental | 6201.57 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013709 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013735 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2500 |  |  |  | 1.203 | Market Survey | 2078.93 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013738 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013702 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013734 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2000 |  |  |  | 1.039 | Market Survey | 1925.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013720 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2900 |  |  |  | 1.04 | Market Survey | 2789.12 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013727 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2016509 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016485 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016478 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016496 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1650 |  |  |  | 1.133 | Market Survey | 1456.365 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019564 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1425 |  |  |  | 1.689 | Market Survey | 843.5592 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016455 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1850 |  |  |  | 1.442 | Market Survey | 1282.77 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016497 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016458 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2200 |  |  |  | 1.73 | Market Survey | 1272.02 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019557 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2000 |  |  |  | 1.291 | Market Survey | 1548.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019555 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019559 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016454 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019575 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019569 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019574 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2100 |  |  |  | 1.177 | Market Survey | 1784.22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016475 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2250 |  |  |  | 1.051 | Market Survey | 2140.4558 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019563 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.165 | Market Survey | 1544.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016462 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019558 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1950 |  |  |  | 1.249 | Market Survey | 1560.8242 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016489 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016474 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2400 |  |  |  | 2.012 | Market Survey | 1192.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016505 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 1 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019560 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2825 |  |  |  | 1.155 | Market Survey | 2446.4075 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019568 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1425 |  |  |  | 1.35 | Market Survey | 1055.65 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016477 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019571 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016461 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016452 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1475 |  |  |  | 1.075 | Market Survey | 1371.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019587 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016464 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019577 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019576 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3500 |  |  |  | 1.181 | Market Survey | 2963.465 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016504 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 1 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019565 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1550 |  |  |  | 1.338 | Market Survey | 1158.8658 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019566 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019561 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016456 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016472 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016469 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 1 | 0 | XX | 0 | 0 | XXXX |  | 1250 |  |  |  | 1.05 | Market Survey | 1190.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016470 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016476 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1700 |  |  |  | 1.126 | Market Survey | 1510.0833 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016465 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1475 |  |  |  | 1.876 | Market Survey | 786.1992 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016460 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016457 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1425 |  |  |  | 1.328 | Market Survey | 1072.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016467 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016482 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019556 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1522 |  |  |  | 1.268 | Market Survey | 1200.7633 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019572 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016486 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016473 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016466 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016501 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016459 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1650 |  |  |  | 2.174 | Market Survey | 758.89 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016503 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016494 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.165 | Market Survey | 1544.9267 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016498 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1100 |  |  |  | 1.513 | Market Survey | 726.9608 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016510 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016492 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1350 |  |  |  | 1.321 | Market Survey | 1022.1733 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016487 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1475 |  |  |  | 1.05 | Market Survey | 1404.76 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016484 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016499 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016493 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016479 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2300 |  |  |  | 1.433 | Market Survey | 1605.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016483 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2300 |  |  |  | 1.431 | Market Survey | 1606.83 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016481 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2450 |  |  |  | 1.404 | Market Survey | 1745.1533 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016480 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2450 |  |  |  | 1.366 | Market Survey | 1794.1833 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016502 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.659 | Market Survey | 1084.8683 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016507 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1050 |  |  |  | 1.504 | Market Survey | 697.9792 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016490 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016488 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2000 |  |  |  | 1.051 | Market Survey | 1903.3583 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016506 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2800 |  |  |  | 1.1 | Market Survey | 2545.45 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016500 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1825 |  |  |  | 1.431 | Market Survey | 1275.61 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019579 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016495 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2600 |  |  |  | 1.171 | Market Survey | 2220.8925 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016471 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1850 |  |  |  | 1.534 | Market Survey | 1205.7333 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016463 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1900 |  |  |  | 1.047 | Market Survey | 1813.8725 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019578 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016491 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1800 |  |  |  | 1.641 | Market Survey | 1096.5866 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016468 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016453 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020288 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2300 |  |  |  | 1.099 | Market Survey | 2093.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013825 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2500 |  |  |  | 1.246 | Market Survey | 2005.87 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020289 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2445 |  |  |  | 1.079 | Market Survey | 2265.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020285 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2445 |  |  |  | 1.073 | Market Survey | 2279.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013827 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020287 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1725 |  |  |  | 1.241 | Market Survey | 1389.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013826 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 1 | 0 |  |  | 0 |  | XXXX |  | 3400 |  |  |  | 1.003 | Market Survey | 3389.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013828 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013726 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 1700 |  |  |  | 1.051 | Market Survey | 1617.54 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013711 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013721 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Multiple Sources | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013739 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 9100 |  |  |  | 1.115 | Market Survey | 8164.58 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013737 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2800 |  |  |  | 1.239 | Market Survey | 2260.57 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013719 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3150 |  |  |  | 1.399 | Market Survey | 2252.27 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013730 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 8000 |  |  |  | 2.891 | Market Survey | 2767.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013725 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013703 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013717 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018681 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013724 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013729 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013732 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2867 |  |  |  | 1.092 | Market Survey | 2625.94 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013714 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 4900 |  |  |  | 1.279 | Market Survey | 3832.26 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2013731 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2867 |  |  |  | 1.045 | Market Survey | 2743.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016526 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018683 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018687 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2000 |  |  |  | 0.802 | Market Survey | 2495.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016387 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 1700 |  |  |  | 1.656 | Short Term Rental | 1409.21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016523 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 4300 |  |  |  | 1.088 | Market Survey | 3814.23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016524 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020286 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016522 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016529 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 3200 |  |  |  | 1.271 | Market Survey | 1907.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018685 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Short Term Rental | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018558 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2018555 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2400 |  |  |  | 1.09 | Market Survey | 2201.29 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2016525 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 2900 |  |  |  | 1.211 | Market Survey | 2394.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020104 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 1 | 0 | XX | 0 | 0 | XXXX |  | 5800 |  |  |  | 2.593 | Market Survey | 2236.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018556 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018686 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018682 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020098 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020097 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Trust |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 2600 |  |  |  | 0.764 | Market Survey | 3401.19 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020277 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020275 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020278 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020284 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020280 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 4500 |  |  |  | 1.542 | Market Survey | 2918.73 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020103 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018553 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2000 |  |  |  | 1.074 | Market Survey | 1861.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020099 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | Individual |  | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | 3900 |  |  |  | 1.099 | Short Term Rental | 3549.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020100 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020101 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 0 | 1 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | 1680 |  |  |  | 1.067 | Short Term Rental | 1857.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020281 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020283 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | Individual |  | No |  | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX | XXXX | XXXX |  |  |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |
| XXXX | 2020282 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX | 1 | 0 | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993217 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | XXXX |  | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993217-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217-02 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 6000 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217-03 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4750 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993217-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.003 |  | 19481.13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993216-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993216-05 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 5000 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993215 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.001 |  | 7182.45 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993215-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993215-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013642 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.124 |  | 14124.46 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2013642-01 |  |  |  |  |  |  |  |  | XXXX | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2013642-02 |  |  |  |  |  |  |  |  | XXXX | 0 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993218 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2900 |  |  |  | 1.487 |  | 1950.32 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1993218-01 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1450 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1993218-02 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1450 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018680 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.375 |  | 3264.57 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2018680-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018680-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2018680-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Multiple Sources |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | Corporation | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.749 |  | 6102.04 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1916072-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916072-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-05 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-06 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-07 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-08 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-09 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-10 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-11 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-12 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-13 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-14 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-15 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-16 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-17 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916106-18 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.489 |  | 3828.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020279-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020279-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.622 |  | 2897.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1916061-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1916061-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009797 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.595 |  | 1739.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2009797-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2009797-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.164 |  | 16077.44 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 1995056-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 1995056-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 1 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.598 |  | 6100.81 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2020276-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-05 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2020276-06 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007340 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 1 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 1 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.908 |  | 2274.37 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007340-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007340-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007340-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016855 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.221 |  | 5649.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016855-01 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2000 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016855-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016855-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.259 |  | 8200.45 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007327-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-05 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007327-06 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.221 |  | 6282 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019586-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586-02 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1850 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019586-04 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1800 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.304 |  | 7094.88 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016846-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016846-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.576 |  | 5477.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2007279-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279-03 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2007279-04 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012779 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 1.295 |  | 3038.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2012779-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2012779-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Lease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016824 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX |  | 2350 |  |  |  | 1.627 |  | 1444.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2016824-01 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1050 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2016824-02 |  |  |  |  |  |  |  |  | XXXX | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1300 |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019562 | GQM Exempt - Business Purpose | N/A |  | 0 | 0 |  | 0 |  | XXXX |  |  | LLC | XXXX | Yes | Full Recourse | 0 | 1 | 0 | 0 |  | 0 | 1 | 0 | 0 | 0 | 0 | XX | 0 | 0 | XXXX | XXXX | XXXX |  |  |  | 2.802 |  | 1625.76 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 2019562-01 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2019562-02 |  |  |  |  |  |  |  |  | XXXX | 1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Market Survey |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.22

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.22**

![](ex9922001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

EFMT 2025-INV3

Dated: June 9, 2025

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

![](ex9922002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("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, Ellington Management Group, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 88 Business Purpose Loans totaling an aggregate original principal balance of approximately $44,917,665.00 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 S&P Global Ratings (S&P) the 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 provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, 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 |

---

---

| | | |
|:---|:---|:---|
| ![](ex9922003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](ex9922002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

*Credit Application*

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

*Credit Report*

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

*Borrowing Entity*

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

*Property Income*

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

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| | | |
|:---|:---|:---|
| ![](ex9922003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](ex9922002.jpg)

Forward Thinking. Seamless Solutions.

*Employment and Income:* 

Evolve determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable 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.

*Valuation Review*

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

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

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

---

| | | |
|:---|:---|:---|
| ![](ex9922003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](ex9922002.jpg)

Forward Thinking. Seamless Solutions.

*Asset Review*

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

*Insurance*

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

*Title*

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

*Fraud / Criminal Background*

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

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

● Calculate DSCR as required by the guidelines

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

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

---

| | | |
|:---|:---|:---|
| ![](ex9922003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](ex9922002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;88 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;38.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;61.36% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;86 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](ex9922003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](ex9922002.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;38.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;61.36% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**88** | &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;7 | &nbsp;&nbsp;88 | &nbsp;&nbsp;7.95% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;22 | &nbsp;&nbsp;88 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;78 | &nbsp;&nbsp;88 | &nbsp;&nbsp;88.64% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;14 | &nbsp;&nbsp;88 | &nbsp;&nbsp;15.91% |
| &nbsp;&nbsp;Mtg Pymt | &nbsp;&nbsp;6 | &nbsp;&nbsp;88 | &nbsp;&nbsp;6.82% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;88 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;12 | &nbsp;&nbsp;88 | &nbsp;&nbsp;13.64% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;88 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;88 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;13 | &nbsp;&nbsp;88 | &nbsp;&nbsp;14.77% |
| &nbsp;&nbsp;Prepayment Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;88 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;88 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;88 | &nbsp;&nbsp;20.45% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;37 | &nbsp;&nbsp;88 | &nbsp;&nbsp;42.05% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;9 | &nbsp;&nbsp;88 | &nbsp;&nbsp;10.23% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;8 | &nbsp;&nbsp;88 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;88 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;6 | &nbsp;&nbsp;88 | &nbsp;&nbsp;6.82% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;35 | &nbsp;&nbsp;88 | &nbsp;&nbsp;39.77% |

---

---

| | | |
|:---|:---|:---|
| ![](ex9922003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](ex9922002.jpg)

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.

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:

---

| | | |
|:---|:---|:---|
| ![](ex9922003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

![](ex9922002.jpg)

Forward Thinking. Seamless Solutions.

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

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| | | |
|:---|:---|:---|
| | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

---

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

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

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

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

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

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission
 Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;
 and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

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

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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;&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;&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;&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;&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;&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.

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**(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.

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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;&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;

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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 NRSRO grade.

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

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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;&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;&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);

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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;&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;&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.

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**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures;
 and

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

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## Exhibit 99.23

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.23**

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| **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** | **Run Date - 06/13/2025 9:40:18 AM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT 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** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL 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** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1389144 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1438593 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1441767 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | B | B | B | B | B | B | B | B | B | B |
| 1460344 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1465258 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1469021 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641547 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641253 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1411732 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1432710 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1637002 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1631606 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1631612 | XXXX | XXXX | XXXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641548 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641549 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1636896 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641550 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1633673 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641551 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641552 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641553 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641554 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641555 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641556 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641557 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641558 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641559 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641560 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641561 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641562 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641563 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641564 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641565 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641566 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641567 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641568 | XXXX | XXXX | XXXX | D | D | D | D | D | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641569 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641570 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641571 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641572 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641573 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641574 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641575 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641576 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641578 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641579 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641580 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641581 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641582 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641583 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641584 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641585 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641586 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641587 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641588 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641589 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641590 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641591 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641592 | XXXX | XXXX | XXXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641593 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641594 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641595 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641596 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641597 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641598 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641599 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641600 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641601 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641602 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641603 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641605 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641607 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641608 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641609 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641610 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641611 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641612 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641613 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641614 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641615 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | B | B | B | B | B | B | B | B | B | B |
| 1641616 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641617 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641618 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641619 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641620 | XXXX | XXXX | XXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1641621 | XXXX | XXXX | XXXX | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641622 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |
| 1641625 | XXXX | XXXX | XXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |

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## Exhibit 99.24

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.24**

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| ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) | ![](ex9924001.jpg) |
| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** |
| **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 Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1389144 | XXXX | XXXX | 6808359 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXX a minimum XX-month housing payment history for the borrowers primary housing, as required per guidelines for loans closed under the XXXX XXXX program. |  | Compensating XXXXX: XXXX XXXX X.XX vs XXXXX minimum of X.XX and XXXX XXXX XXXXX of XXX vs XXXXX of XXX. |  |  |  | 05/16/2022 | B | 2 | XXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1389144 | XXXX | XXXX | 6807491 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX XXX-X shows city property taxes as X months at $XX.XX equaling $XX.XX. XXXX should reflect either X months or a total of $XX.XX. XXXX provide an updated XXX-X. | Information provided |  |  | 05/25/2022 |  |  | A | 1 | XXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1438593 | XXXX | XXXX | 6970434 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Subject transferred with deed dated X/XX/XXXX shy X days from X months from note date X/XX/XXXX- requires exception for cash out exceeding cost plus improvements - cost was gift from relative. |  | Two-day exception to fund XXXXX and follow traditional cash out guidelines. XXXXX factors: XXXXX XXXXX XXXXX out provides ample cash reserves, overall credit good, all mortgages paid on time. |  |  |  | 09/12/2024 | B | 2 | XXXX | SC | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1438593 | XXXX | XXXX | 6970438 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower credit score XXX is below requirement of XXX for cash out less than X months ownership. |  | FICO of XXXX allowed since two-day exception to fund XXXXX and follow traditional cash out guidelines. XXXXX factors: XXXXX XXXXX XXXXX out provides ample cash reserves, overall credit good, all mortgages paid on time. |  |  |  | 10/14/2022 | B | 2 | XXXX | SC | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6978713 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Property is an attached condominium. A XXXXX XXX XXXX XXXX is required. | Information provided |  |  | 10/27/2022 |  |  | A | 1 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6979770 | 327 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing XXXX XX months XXXX XXXXX for primary residence from the original images. | received |  |  | 10/26/2022 |  |  | A | 1 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6979771 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Six XXXX XXXX XXXX XXXXX is required. |  | The exception for rent loss insurance was granted with the following compensating factors: XXXX in the amount of $XX,XXX; XXXX over X; XXXX XXX and steady employment. |  |  |  | 10/19/2022 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6979772 | 271 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | High XXXX XXXX are not acceptable for the state of XXXXX. |  | The exception for the property as a XXXX XXXX XXXXX was granted with the following compensating factors: XXXX in the amount of $XX,XXX; XXXX over X; XXXX XXX and steady employment. |  |  |  | 10/19/2022 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6979773 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing rent loss coverage as indicated on the approval and exception form. |  |  |  |  |  | 10/26/2022 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1411732 | XXXX | XXXX | 7143737 | 323 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Provide approval for utilization of gift funds. Guideline Non-owner gift fund transactions require Senior Management approval. |  | Senior management approval to use gift funds (DR) 6.999% (Base Rate) + .375% (Gift fund exception) - .500% (Buy down) = 6.875% (Foreign national) 4.7.22) 75% LTV, 8k monthly income |  |  |  | 05/12/2022 | B | 2 | XXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1411732 | XXXX | XXXX | 7143738 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Provide additional assets or exception approval for reserves. Guideline 3 months reserves required. Loan Verified assets is XXX and required funds to close as per final cd dated XXX is XXX. 2.72 months in reserves. |  | Senior management approval to proceed with two months reserves. 6.999% (Base Rate) + .375% (Gift fund exception) - .500% (Buy down) = 6.875% (Foreign national) 4.7.22) 75% LTV, 8k monthly income |  |  |  | 05/12/2022 | B | 2 | XXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1432710 | XXXX | XXXX | 7143732 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  |  |  | Loan amt <$150k. Loan amount is $XXX. Borrower is a first-time investor purchasing a NOO property with XXX% down payment. Borrower has 17 yrs of excellent credit with only 1 30-day degrogs. Strong DSCR of 1.25%+ |  |  |  | 07/29/2022 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1432710 | XXXX | XXXX | 7143733 | 861 | XXXX | Credit | Note |  | Note - Other: |  | Per loan approval this is a 40-year term mortgage with a 10-year Interest Only period, however, the Note does not reflect any Interest Only period. The monthly payment on the Note of XXX is an interest only payment. Please confirm the correct loan program, type, full term, interest only period if any and amortizing term and payment. Provide corrected, fully executed Note with the correct payment and terms. \*All closing docs must match the corrected Note/terms and additional conditions may apply\* | Information provided |  |  | 08/08/2022 |  |  | A | 1 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1460344 | XXXX | XXXX | 7038495 | 861 | XXXX | Credit | Note |  | Note - Other: |  | Please confirm XXXX XXXXX. XXXXX is a fully executed XXXX XXXX to the XXXX in the file, however, the terms on the XXXX XXXXX XXXX are blank. XXXX provide corrected XXXX XXXX with completed structure. | Docs provided |  | Reviewer 01/04/2023 01:55 PM; Completed addendum to the note was not uploaded <br>Client 01/09/2023 02:29 PM; There is no XXXX XXXXX.<br>Reviewer 01/09/2023 03:00 PM; <br>Reviewer 01/09/2023 03:12 PM; Hello, XXXX has been cleared. XXXXX you. <br>| 01/09/2023 |  |  | A | 1 | XXXX | NJ | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1465258 | XXXX | XXXX | 7053629 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR < X.XX%. |  | LTV XX%, XXXX XXX, XX years of monthly payments, paying off interest only loan, combining X loans to one loan. |  |  |  | 01/24/2023 | B | 2 | XXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1469021 | XXXX | XXXX | 7062525 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | No housing history provided. XXXX borrowers live rent-free. |  | Compensating XXXXX: XXXX X.XXX; XXX/XXXX XX.XXX/XX.XXX |  |  |  | 02/21/2023 | B | 2 | XXXX | LA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1631606 | XXXX | XXXX | 7131226 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require all units of a multi-unit property to be a minimum of XXXX square feet unless approved by senior management. XXXX of the eight units measures XXXX sq. ft. |  | Compensating factors: XXXX XXXXX high fico XXXXX good credit, all tradelines paid XXX since XXXX XXXX months reserves after closing. |  |  |  | 01/09/2025 | B | 2 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1633673 | XXXX | XXXX | 7131145 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require mortgage delinquencies in the past XXX months be approved by senior management when the program is XXXXX XXXXX XXXXX XXXXX had XXXXX day late in XXXX |  | Compensating XXXXX XXXX XXXX XXXXX for program; XXXXX cash reserve level XXXXX XXXXX rental income on subject property XXXXX |  |  |  | 03/02/2025 | B | 2 | XXXX | CA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1631612 | XXXX | XXXX | 7143300 | 378 | XXXX | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | XXXXX information required to be completed on loan application when XXXXX is > XXXXX XXXX XXXXX is below XXXX | received XXXXX with employment information |  |  | 01/08/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | D | A | D | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1636896 | XXXX | XXXX | 7136270 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX an updated approval and credit report for just the borrower. XXX you would like to utilize the joint report, then a senior management exception on the approval will suffice for documentation purposes. XXXX credit review is on hold until documents are received. | Documents have been received. |  |  | 03/17/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1636896 | XXXX | XXXX | 7136271 | 353 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | XXXX maximum loan amount is XXXX and the subject loan amount is XXXXX |  | The exception for exceeding the max loan amount was granted with the following compensating factors: XXX file since XXXX XXXXX after closing are XXXXX residual income is XXXX the borrower has been in occupation for XXX years. XXXX borrower has been good residence time of XXX years; excellent mortgage history XXXX and is an experienced investor. |  |  |  | 02/26/2025 | B | 2 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1637002 | XXXX | XXXX | 7136642 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX require loan amount less than XXXX have senior management approval. XXXX loan amount is XXXXX |  | Compensating XXXXX XX yrs residence time, seasoned investor |  |  |  | 01/14/2025 | B | 2 | XXXX | PA | 3 | 13 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1637002 | XXXX | XXXX | 7136643 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX appraisal was made subject to repairs for a damaged downspout, gutter, and holes in the roof (visible light through soffit), which does not meet the guideline requirement for immediate and necessary repairs to be completed and re-inspected by the appraiser prior to closing for the XXXXX XXXXX XXXXX program. | received XXXX and photos |  | Reviewer 02/18/2025 11:25 PM; Document received was email stating repairs are not complete.<br>| 04/07/2025 |  |  | A | 1 | XXXX | PA | 3 | 13 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641253 | XXXX | XXXX | 7141754 | 29 | XXXX | Valuation | Appraisal |  | Appraisal - is missing |  | XXXXX provide the appraisal for review. | Information provided |  |  | 04/30/2025 |  |  | A | 1 | XXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641253 | XXXX | XXXX | 7141755 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXX policy is missing the XXXXX |  |  | Client 05/01/2025 01:57 PM; Hazard reflects XXXX representative. XXXX you. <br>Reviewer 05/01/2025 03:24 PM; <br>Reviewer 05/02/2025 03:20 PM; Escalation has been assigned for XXXX XXXX<br>Reviewer 05/05/2025 11:11 AM; Hello <br> XXXXX has been cleared. <br>XXXX<br>| 05/05/2025 |  |  | A | 1 | XXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641253 | XXXX | XXXX | 7141756 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX appraisals are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received |  |  | 04/29/2025 |  |  | A | 1 | XXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641253 | XXXX | XXXX | 7141758 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX requires a managers approval. XXXXX approval is missing and is required to complete XXXXX XXXXX | Information in file, signed by senior management. |  | Reviewer 04/30/2025 08:08 AM; The approval states there is a management approval in file for the XXXXX exchange and was not located. XXXXX provide.<br>| 04/30/2025 |  |  | A | 1 | XXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641253 | XXXX | XXXX | 7141759 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX XXXXX required XXXXX XXXX XXXXX XXXXX XXXX XXXXX |  | \*DEVIATION: XXXX XXXXX XXXXX XXXXX XXX file since XXXX XXXXX XXXX XXXXX XXXX XXXX XXXX XXXXX XXXXX XXXX & XXXX XXXXX XXXX |  |  |  | 04/29/2025 | B | 2 | XXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641253 | XXXX | XXXX | 7141760 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX greater than or equal to XXXXX |  | \*DEVIATION: XXXXX > XXXXX < XXXX XXXXX XXXX XXXXX XXXXX XXXXX XXX file since XXXX XXXXX XXXX XXXXX XXXX XXXX XXXX XXXXX XXXXX XXXX & XXXX XXXXX XXXXX |  |  |  | 04/29/2025 | B | 2 | XXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641253 | XXXX | XXXX | 7141761 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXX personal guaranty for XXXX | Information provided |  | Reviewer 05/19/2025 08:41 AM; No documentation provided<br>| 05/27/2025 |  |  | A | 1 | XXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641547 | XXXX | XXXX | 7142422 | 371 | XXXX | Valuation | UW Qualifications |  | UW Qualifications - UW - Declining Market Policy not met/satisfied |  | XXXX property located in a XXXX market. XXXXX management approval required. | information provided and accepted |  |  | 04/03/2025 |  |  | A | 1 | XXXX | GA | 3 | 13 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1641550 | XXXX | XXXX | 7142425 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | \* XXXXX XX XXXXX XXXX |  | DEVIATION: XXXX XXXXX XXXX XXXXX for program reserves XXXXX XXXXX XXXXX greater than XXXX XXXXX has owned subject for XXXXX years and has experience managing investment properties |  |  |  | 03/27/2025 | B | 2 | XXXX | IL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641550 | XXXX | XXXX | 7142426 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | \* XXXXX XXXX XXXXX XXX |  | DEVIATION: XXXXX XXXX – XX point XXXXX XXXX XXXXX XXXXX XXXXX greater than XXXX XXXXX has owned subject for XXXXX years and has experience managing investment properties |  |  |  | 03/27/2025 | B | 2 | XXXX | IL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641552 | XXXX | XXXX | 7142431 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX lines require loans with a XXXXX XXXX be approved by senior management. XXXXX = XXXXX |  | Compensating XXXXX XXXX credit; no derogatory credit on credit bureau; XXXX ownership; borrower not likely to move; XXXXX employment history that indicates stability and a likelihood of continue income flow. |  |  |  | 03/11/2025 | B | 2 | XXXX | NC | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641553 | XXXX | XXXX | 7142433 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX business required to be open for XX years. XXXX XXXX for XXXX business to be opened less than XX years |  | Compensating XXXXX residence (approx. XXXX stable self-employment (over XXX yrs), good residual income XXXX and XXXX fico score. |  |  |  | 03/13/2025 | B | 2 | XXXX | NJ | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641555 | XXXX | XXXX | 7142434 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX final cd is missing from the loan file. XXXX credit review is on hold until documents are received. | Documents provided |  |  | 05/11/2025 |  |  | A | 1 | XXXX | GA | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641558 | XXXX | XXXX | 7142438 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX requires housing history of XXXX XXXXX has XXXXX |  | Exception approved with current housing history. XXXXX XXXXX XXXXX has been owned for XXXX years, well established ownership, XXXXX greater than XX XXXXX using rent of only the two residential units. |  |  |  | 04/17/2025 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641559 | XXXX | XXXX | 7142439 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX requirement of XXXX for XXXXX property. XXXX is XXXX |  | Compensating factors: XXXXX months reserve after closing. XXXXX XXXX well above minimum requirement of XXXXX mortgage rating reflected on credit since XXXXX |  |  |  | 04/30/2025 | B | 2 | XXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641560 | XXXX | XXXX | 7142440 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX XXXXX XXXX XXXXX XXXXX |  | Compensating XXXXX XXXX and XXXX fico scores, mortgage history reflected on credit dating back to XXXXX accounts paid as agreed. XXXX investors with investment property management experience, borrower owns primary residence and XX additional investment properties. |  |  |  | 04/14/2025 | B | 2 | XXXX | MA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641561 | XXXX | XXXX | 7142441 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX XXXXX is XXXX permitted |  | DEVIATION: XXXX for cash out exceed XXXX XXXXX XXXXX XXXXX residence, XXXX residual income. XXXX XXX |  |  |  | 05/09/2025 | B | 2 | XXXX | CT | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641562 | XXXX | XXXX | 7142443 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX amount over XXX requires XXX months XXXXX for reserves. |  | Exception granted: XXXX of cash out to cover reserves- XXXXX history for both borrowers paid timely, XXXXX greater than XXXX experienced property managers. |  |  |  | 04/24/2025 | B | 2 | XXXX | NY | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641563 | XXXX | XXXX | 7142447 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for cash-out is XXXX XXXX XXXX for XXXX XXXXX |  | Compensating XXXXX XXXXX in reserves after closing, s/e for XX yrs, XXXX XXXX mortgages paid on time and XXXX equity. |  |  |  | 04/09/2025 | B | 2 | XXXX | MA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641564 | XXXX | XXXX | 7142448 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | Document provided |  |  | 05/30/2025 |  |  | A | 1 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641564 | XXXX | XXXX | 7142449 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX exception to use short term income to qualify. |  | Compensating factors; XXXX mortgage history for both borrowers. XX XXXXX payments on both borrower's credit report. |  |  |  | 04/29/2025 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641565 | XXXX | XXXX | 7142450 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX is XXXXX loan fell below at XXXX |  | The exception for less than minimum XXXXX was granted with the following compensating factors: XXXX XXXX at XXXXX XX years at residence. XXXX residence owned free and clear. XX year credit depth XXXX XXXXX |  |  |  | 03/26/2025 | B | 2 | XXXX | NC | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641566 | XXXX | XXXX | 7142451 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX time investor using cash out for reserves. |  | Borrower moved from subject home in XXX to XXXXX key. XXXXX factors XXXX credit score, mortgage paid as agreed XXXX XXXX XXXX XXX |  |  |  | 04/18/2025 | B | 2 | XXXX | VT | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641567 | XXXX | XXXX | 7142452 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX XXXXX to show borrowers primary address town/country as XXXX XXXX XXXX XXXX XXXXX vs XXXX XXX | received revised XXXX |  |  | 04/08/2025 |  |  | A | 1 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641567 | XXXX | XXXX | 7142454 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX XXXXX under XX requires mgt approval |  | Exception granted: XXXX stacked XXXX XXXX reduces risk, XXXX funds into transaction XXXX |  |  |  | 04/08/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641568 | XXXX | XXXX | 7142455 | 435 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | XXXX credit report is expired. XXXXX allow XXX days from closing documents. XXXX credit report is dated XXXX and settlement date is XXXXX XXXX approval is dated XXXX | Exception approved to extend credit to XXX days |  |  | 04/21/2025 |  |  | A | 1 | XXXX | FL | 3 | 3 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641568 | XXXX | XXXX | 7142456 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX lates to be reported in the last XXX months for mortgages. XXXXX report had XXX day XXX day and XXX day lates. |  | The exception was granted for mortgage lates showing on credit as the evidence in the file showed the mortgage belongs to the ex spouse. XXXX exception was granted with the following compensating factors: XXXX borrower is an experienced investor and owns other property since XXXXX XXXX is significant equity in the subject property and the XXXX is XXXX XXXX is a good payment history on the subject property mortgage in file evidencing XXXXX |  |  |  | 04/18/2025 | B | 2 | XXXX | FL | 3 | 3 | D | B | D | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641569 | XXXX | XXXX | 7142457 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX XXXXX does not meet XXXX XXXXX XXX |  | Exception granted: XXX years residence, XXXX XXXX XXXXX XXX years credit depth, perfect mortgage history |  |  |  | 03/28/2025 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641570 | XXXX | XXXX | 7142459 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX required for XXXX XXXX XXXX |  | Compensating factors: XXXX credit history - more than XXX months XXXXX reserves |  |  |  | 04/15/2025 | B | 2 | XXXX | VA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641571 | XXXX | XXXX | 7142460 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX guidelines minimum XXXXX is XXXX XXXX XXXXX is XXXXX |  | Compensating factors; XXXX investor, XXXX credit score, XXX months reserves. |  |  |  | 04/20/2025 | B | 2 | XXXX | IL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641573 | XXXX | XXXX | 7142464 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX holdback to be approved by management. XXXX XXXXX XXXXX hold back. |  | Compensating XXXX XXX mortgage and overall credit history, tenant occupancy length, in the property since XXXX XXXX rents to increase XXXX XXX XXXX significant equity in subject property, low XXXX and XXXX fico score. |  |  |  | 04/16/2025 | B | 2 | XXXX | OR | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641573 | XXXX | XXXX | 7142465 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX approval needs to be corrected with the right approval date. XXXXX approval has XXXXX and the correct date XXXX | Received approval with correct date |  |  | 04/16/2025 |  |  | A | 1 | XXXX | OR | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641575 | XXXX | XXXX | 7142466 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence borrower is XXXXX owner of XXXXX XXXX XXXXX a XXXXX of XXXXX XXXXX for the ownership that owned the property prior to transferring to XXX XXXX XXXX XXXX XXXXX XXXX at closing | Received ownership documents for XXXXX XXXX XXXX |  |  | 03/26/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641575 | XXXX | XXXX | 7142467 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval noted XXXXX of XXXXX while town tax of XXXXX missing from calculation. XXXX loan approval including all taxes correcting XXXXX calculation required | received revised approval |  |  | 03/27/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641575 | XXXX | XXXX | 7142468 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX less than two years XXX |  | Exception approved for borrower less than XX years XXXX XXXXX XXXXX XXXX at XXXXX living at primary XXXXX years, experienced investor. | Client 03/26/2025 12:36 PM; Exception already reflected on loan approval. XXXX you. <br>Reviewer 03/26/2025 01:27 PM; Exception has been placed XXX<br>|  |  | 03/26/2025 | B | 2 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641575 | XXXX | XXXX | 7142469 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval removing exception for minimum loan amount of XXXXX guidelines noted minimum loan amount of XXXX our loan amount of XXXX meets guides | received revised approval |  |  | 03/27/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641576 | XXXX | XXXX | 7142473 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX less than XX years XXX |  | Exception granted: XXXX in ownership living in primary for XXXXX years, experienced investor, XXXXX XXXX with mortgages paid as agreed. |  |  |  | 03/25/2025 | B | 2 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641576 | XXXX | XXXX | 7142477 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval removing exception for minimum loan amount of XXXXX guidelines noted minimum loan amount of XXXX our loan amount of XXXX meets guides | Updated approval provided |  |  | 03/27/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641579 | XXXX | XXXX | 7142482 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXXX of XXXX does not meet minimum XXXXX XXXX for XXXXX refinance on XXXXX |  | Exception granted: XXXX XXXX XXXXX XXXX collateral in desirable area, XXXX XXXX XXXXX |  |  |  | 04/07/2025 | B | 2 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641581 | XXXX | XXXX | 7142484 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX amount XXXX does not meet minimum loan amount of XXXXX |  | Exception granted: XXXX XXXX XXXXX XXXX reserves of XXXX satisfactory repayment history, XXXXX over XXX experienced investor. |  |  |  | 04/18/2025 | B | 2 | XXXX | IN | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641583 | XXXX | XXXX | 7142488 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX waiver allowed with minim XXXXX XXXX when XXXX is greater than XXXX XXXX XXXX XXXX XXXX with XXXX XXXXX |  | Compensating XXXXX XXXXX investor with excellent mortgage history- XXXX months reserves |  |  |  | 04/18/2025 | B | 2 | XXXX | GA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641584 | XXXX | XXXX | 7143739 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX cash out refinance of investment property without owning primary residence. XXXX XXXXXXX approval for investment XXXXX without owning a primary residence. |  | Compensating XXXXX credit, mortgage is paid XXXX months, XX paid off mortgages also XXXX no derogatory on revolving or installment in last XX yrs and good equity position. |  |  |  | 04/21/2025 | B | 2 | XXXX | HI | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641584 | XXXX | XXXX | 7143740 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX credit score required to use cash out towards reserves. XXXX XXXXX management approval to use cash out towards reserves. |  | Compensating XXXXX credit, mortgage is paid XXXX months, XX paid off mortgages also XXXX no derogatory on revolving or installment in last XX yrs and good equity position. |  |  |  | 04/21/2025 | B | 2 | XXXX | HI | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641584 | XXXX | XXXX | 7143741 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX appraisal XXXXX for rental income, subject has only been rented on short term basis for XX months. XXXXX maangement approval to use transferred appraisal. |  | Compensating XXXXX credit, mortgage is paid XXXX months, XX paid off mortgages also XXXX no derogatory on revolving or installment in last XX yrs and good equity position. |  |  |  | 04/21/2025 | B | 2 | XXXX | HI | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641585 | XXXX | XXXX | 7142496 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX funds are not allowed. XXXX XXXX gift funds from the borrower's wife |  | Compensating XXXX XXXXX XXXX XXXX experienced investor, currently owns his primary and an investment property in XXXXX since XXXX mortgage history reflected on credit dating back to XXXXX with no late payments reporting. |  |  |  | 05/14/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641587 | XXXX | XXXX | 7143301 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXXX provide XXXXX XXXXX for XXXX XXXX | Information provided |  |  | 04/30/2025 |  |  | A | 1 | XXXX | TN | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641588 | XXXX | XXXX | 7142498 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX credit reports for the borrower and co-borrower are missing from the loan file. XXXX credit review is on hold until documents are received | Documents provided |  |  | 05/06/2025 |  |  | A | 1 | XXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641588 | XXXX | XXXX | 7142499 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX use properties are not eligible for the investor cash flow program. XXXX management approved property to XXXX XXX |  | Compensating factors: XXXXX investor, borrowers own multiple investment properties for XXXX years, XXX mo reserves |  |  |  | 05/08/2025 | B | 2 | XXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641588 | XXXX | XXXX | 7142500 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX history requires XXXX XXXXX XX has a XXXX with XXXX XXXX XXXX | Sr XXXXX approval for XXXX XXXXX factors: XXXXX investor, borrowers own multiple investment properties for XXXX years, XXX mo reserves |  |  | 05/09/2025 |  |  | A | 1 | XXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641590 | XXXX | XXXX | 7142501 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX approval for rural property. XXXXX XXXXX approval is required for rural property. | received approval for rural property/ comp factors - XXXX collateral, score XXXXX XXXX XXXXX reserves XXXX |  |  | 04/30/2025 |  |  | A | 1 | XXXX | NC | 3 | 13 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1641591 | XXXX | XXXX | 7142502 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX statement program requires a minimum of XXX months of statements |  | Exception to use XXXX months XXXX statements. XXXXX XXXXX XXXX investor/homeowner owns several properties, plenty of assets for reserves, XXX mortgage history and overall XXXX credit. |  |  |  | 05/10/2025 | B | 2 | XXXX | ID | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641591 | XXXX | XXXX | 7142503 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX borrowers require a minimum of XXXXX |  | Exception allowing borrower self-employed less than XXXX XXXXX XXXXX XXXX investor/homeowner owns several properties, plenty of assets for reserves, XXX mortgage history and overall XXXX credit. |  |  |  | 05/10/2025 | B | 2 | XXXX | ID | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641595 | XXXX | XXXX | 7142508 | 387 | XXXX | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | XXXXX evidence of XXXX monthly of XXXXX and XXXX XXXXX for primary residence at XXXX XXXX XX | Received tax doc XXXX and XXXX XXXXX XXXXX tolerance. |  |  | 04/23/2025 |  |  | A | 1 | XXXX | ID | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641595 | XXXX | XXXX | 7142509 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval, and XXX XXXXX stating transaction is an investment vs primary residence in details matching loan approval | Received revised loan approval, and XXX XXXXX stating transaction is an investment. |  |  | 04/23/2025 |  |  | A | 1 | XXXX | ID | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641596 | XXXX | XXXX | 7142510 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX needed for XXXXX time investor and borrower currently living rent free. |  | Compensating XXXXX XX XX XXX mortgage history from XXXX - XXXX XXXX credit history. XXXX XXXX XXXXX doesn't carry balances on credit card debt. |  |  |  | 05/07/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641596 | XXXX | XXXX | 7142511 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX needed for gift funds used on investment property purchase. XXXX don't allow gifts on investment properties. |  | Compensating XXXXX XX XX XXX mortgage history from XXXX - XXXX XXXX credit history. XXXX XXXX XXXXX doesn't carry balances on credit card debt. |  |  |  | 05/07/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641596 | XXXX | XXXX | 7142512 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX needed for using a transferred appraisal. XXXXX don't allow the use of transferred appraisals. |  | Compensating XXXXX XX XX XXX mortgage history from XXXX - XXXX XXXX credit history. XXXX XXXX XXXXX doesn't carry balances on credit card debt. |  |  |  | 05/07/2025 | B | 2 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641597 | XXXX | XXXX | 7142513 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX amount less than XXXXX allowed with management approval , subject property loan amount is XXXX |  | Compensating XXXXX XXX mortgage late shown in the last XXX months XXXXX XXXXX XXXXX exceeding XX months of XXXX XXXXX amount under XXXX |  |  |  | 04/21/2025 | B | 2 | XXXX | OR | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641597 | XXXX | XXXX | 7142514 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX credit score is XXXXX credit scored used for qualification is XXX |  | Compensating XXXXX XXX mortgage late shown in the last XXX months XXXXX XXXXX XXXXX exceeding XX months of XXXX XXXXX amount under XXXX | Reviewer 04/21/2025 12:07 PM; Compensating XXXXX XXX mortgage late shown in the last XXX months XXXXX XXXXX XXXXX exceeding XX months of XXXX XXXXX amount under XXXX<br>|  |  | 04/21/2025 | B | 2 | XXXX | OR | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641598 | XXXX | XXXX | 7142516 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX sqft of XXXX does not meet minimum XXXXX of XXXX sqft for XXXX |  | Exception granted: XXXX XXXX XXXXX XXXX in ownership living in primary XX years. XXXX XXXX all paid as agreed. |  |  |  | 04/18/2025 | B | 2 | XXXX | UT | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641599 | XXXX | XXXX | 7142518 | 1055 | XXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | XXXX subject property appraisal is missing from the loan file. XXXX appraisals provided are not for the subject property. XXXX credit review is on hold until documents are received. | Documentation provided |  |  | 05/11/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641599 | XXXX | XXXX | 7142519 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX ratio on XXXXX unit is XXXX XXXX approval for XXXXX XXXX |  | Compensating factors: XXX years at current residence, XXXX credit depth, all mortgage XXXX |  |  |  | 05/13/2025 | B | 2 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641602 | XXXX | XXXX | 7142520 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX use properties not permitted. XXXX approval in file for mixed use property. |  | Compensating factors: XXXX credit with no lates. over XXX years with employer. |  |  |  | 05/15/2025 | B | 2 | XXXX | CT | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641603 | XXXX | XXXX | 7142521 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX purchase; borrower should own the primary residence. XXXX borrower currently rents. |  | The exception was granted with the following compensating factors: XXXX mortgage is XXXX and all consumer credit is paid on time with a XXXXX of XXXX XXXX borrower put down, over XXXX |  |  |  | 05/11/2025 | B | 2 | XXXX | KS | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641605 | XXXX | XXXX | 7142522 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXX requires XXXX on all mortgages; however, the borrower has a XXXX |  | The exception was granted with the following compensating factors: XXXX borrowers have over XX million in assets post closing; XXXXX is over XXXXX XXXXX is XXXX with all consumer credit paid on time. XXXX XXXX is low at XXXXX |  |  |  | 05/11/2025 | B | 2 | XXXX | GA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641609 | XXXX | XXXX | 7142524 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX cash-out is XXXXX XXXX XXXXX out is XXXXX |  | Compensating XXXX mortgage history, in file since XXXX XXXX employment income that is likely to continue and XXXX fico score. |  |  |  | 05/15/2025 | B | 2 | XXXX | PA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641611 | XXXX | XXXX | 7142525 | 862 | XXXX | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | XXXX XX is missing from file. XXXXX provide along with XXXX to re-record. | Information provided |  |  | 04/23/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641611 | XXXX | XXXX | 7142526 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX report missing from package | CoreLogic XXXXX provided |  |  | 04/25/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641611 | XXXX | XXXX | 7142527 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX needed for XXXX of XXXXX program max XXXX is XXXXX manager approval in file is for XXX |  | Compensating XXXXX XXXXX credit history XXX XXXXX lates XXXXX than XXX months reserves available |  |  |  | 04/25/2025 | B | 2 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641612 | XXXX | XXXX | 7142530 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX XXXX not met XXXX |  | Exception granted: XXXXX XXXX report in file reporting credit depth of XX years, XXXXX was paid as agreed, with no derogatory credit reported. |  |  |  | 04/30/2025 | B | 2 | XXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641612 | XXXX | XXXX | 7142531 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXX seller concession exceeds guideline of XXX for investment property |  | Exception granted: XXXXX XXXX report in file reporting credit depth of XX years, XXXXX was paid as agreed, with no derogatory credit reported. |  |  |  | 04/30/2025 | B | 2 | XXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641613 | XXXX | XXXX | 7142533 | 379 | XXXX | Credit | UW Other |  | UW Other - UW - Letter of Explanation |  | XXXX is missing for the reason for the prior listing for sale of the subject property | Received approval from XXX XXXXX and XXX |  |  | 05/16/2025 |  |  | A | 1 | XXXX | OR | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641614 | XXXX | XXXX | 7142534 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX for XXXX contribution of XXXX XXXXX max seller contribution is XXXX |  | Compensating XXXXX XXXX credit and XXXXX history. XXXXX investor. |  |  |  | 04/29/2025 | B | 2 | XXXX | GA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641614 | XXXX | XXXX | 7142535 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX exception for XXXX waived. |  | Compensating XXXXX XXXX credit and XXXXX history. XXXXX investor. |  |  |  | 04/29/2025 | B | 2 | XXXX | GA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641615 | XXXX | XXXX | 7142536 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX properties must contain a minimum of XXXX square feet of gross living area. XXXXX XXXXX approval required. XXXX is XXXX square feet and there is an XXXX of XXXX square feet. XXXXX unit has a separate lease. |  | Received exception approval for XXXXX feet/ XXXXX factors: XXXXX has lived in primary residence for XXX years. experienced investor. XXXXX off high-interest rate loan. |  |  |  | 05/16/2025 | B | 2 | XXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1641615 | XXXX | XXXX | 7142537 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXXX for a XXXXX XXXX is XXXX XXXX approved for XXXXX XXXXX XXXX |  | Compensating factors: XXXXX has lived in primary residence for XXX years. experienced investor. XXXXX off high-interest rate loan. |  |  |  | 05/13/2025 | B | 2 | XXXX | CA | 3 | 3 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1641616 | XXXX | XXXX | 7142538 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for cash out on XXXX unit is XXXX XXXX approved for XXXX XXXXX |  | Compensating factors: XXXXX has XX mortgages and all consumer debt has been paid on time since XXXX |  |  |  | 05/08/2025 | B | 2 | XXXX | PA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641620 | XXXX | XXXX | 7142539 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX for loans over XXX is XXXX om XXXXX XXXXX program. XXXX was XXXX |  | Exception for XXXX exceeding XXXX XXXXX XXXXX XXX mortgage and overall credit history, low XXXX XXXXX XXXX investor, owns XX rentals and almost all properties owned XXXXX |  |  |  | 05/09/2025 | B | 2 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641622 | XXXX | XXXX | 7142542 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXX for XXXXX XXXX is XXXX XXXX XXXX is XXXXX due to property recently listed for sale. XXXXX list XXXXX XXXX | Listing XXXXX of XXXX XXXX days old and removed. |  | Reviewer 05/14/2025 08:07 AM; Note: XXXXX purchased property XXXXX XXXXX<br>Client 05/22/2025 03:53 PM; Listing XXXXX of XXXX doesn't make sense to use at it is nearly XXXX days old. XXXX you<br>Reviewer 05/23/2025 07:36 AM; Condition has been reviewed. XXXX <br>| 05/23/2025 |  |  | A | 1 | XXXX | AZ | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641625 | XXXX | XXXX | 7142545 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX XXXX credit score required for cash out refinance. XXXX XXXXX management approved credit score exception. |  | Compensating XXXXX paid XXX last XX yrs, XX mortgages reporting XXXX seasoned investor, owns XX investment properties, subject owned XXX yrs and XXX months reserves. |  |  |  | 05/14/2025 | B | 2 | XXXX | TN | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641548 | XXXX | XXXX | 7142423 | 868 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | XXXXX policy is missing policy/binder number. XXXXX provide updated policy with XXXXX XXXXX for review. | Information provided |  | Reviewer 04/21/2025 09:19 AM; NO documentation provided<br>| 04/22/2025 |  |  | A | 1 | XXXX | MA | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641576 | XXXX | XXXX | 7142474 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence borrower is XXXXX owner of XXXXX XXXX XXXXX a XXXXX of XXXXX XXXXX for the ownership that owned the property prior to transferring to XXX XXXX XXXX XXXX XXXXX XXXX at closing. | Received ownership documents for XXXXX XXXX XXXX |  | Reviewer 03/26/2025 09:16 AM; Documents received did not include prior ownership documents for XXXXX XXXX XXXXX a XXXXX of XXXXX XXX<br>| 03/26/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641583 | XXXX | XXXX | 7142486 | 328 | XXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | XXX months cancelled checks/XXXX statements to documenting satisfactory mortgage history for private note on subject property. | Approval received for lack of payment history |  | Reviewer 04/21/2025 05:04 PM; Documents received did not include satisfactory payment history<br>Reviewer 04/30/2025 08:36 AM; Document received was the security deed and did not include the payment history or maturity extension date.<br>| 05/03/2025 |  |  | A | 1 | XXXX | GA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641622 | XXXX | XXXX | 7142540 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX from XXXXX confirming the reason for the prior listing and intent to retain property missing from file. | Borrower removed the listing XXX days prior to the loan coming to us. XXXX removed on XXXX |  | Client 05/22/2025 03:53 PM; Borrower removed the listing XXX days prior to the loan coming to us. XXXX removed on XXXXX XXXX you.<br>Reviewer 05/23/2025 07:36 AM; Condition has been reviewed. XXXX <br>| 05/23/2025 |  |  | A | 1 | XXXX | AZ | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641253 | XXXX | XXXX | 7141757 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX XXXX XXXX XXXX needed as some items on the XXXXX XXXXX are not within guidelines. XXXXX report was utilized to calculate the XXXXX XXXX XXXX following requirements per guidelines have not been met on the XXXXX XXXX XXXX occupancy rate must be > XXXX XXXXX require sr. management approval) XXXX XXXXX XXXX XXXXX XXXX \* XXXXX have six XXXX comparison properties XXXX XXXXX XX properties on report \* XXXXX be within two XXXX miles of subject property XXXXX to determine based on report. XXX addresses only XXXXX of short-term rental \* XXXXX be similar in size, room count, amenities, availability, and occupancy XXXX XXXX no XX bedroom XX bath properties on report. |  | Exception approval received for XXXX occupancy rate/ XXXXX XXXX - XXXXX XXXXX XXX file since XXXX XXXXX XXXX XXXXX XXXX XXXX XXXX XXXXX XXXXX XXXX & XXXX XXXXX XXXX | Reviewer 04/30/2025 08:03 AM; Received XX comparables within XX miles of subject. XXXXX XX XXX XX XXX comps. did not receive the management exception approval for the occupancy rate.<br>|  |  | 05/19/2025 | B | 2 | XXXX | WA | 3 | 1 | C | B | C | B | N/A | N/A | C | A |  | Exempt | 1 |
| 1641552 | XXXX | XXXX | 7142430 | 967 | XXXX | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | XXXX XXXX XXXXX dated XXXXX reflected the disbursement date as XXXX however, the XXXXX of XXXXX was signed on XXXXX XXXXX a XXXXX with corrected disbursement and funding dates to be on or after XXXX | Information provided |  | Client 03/11/2025 12:13 PM; Hi, this is a business purpose loan, reg XX does not apply. XXXX<br>Reviewer 03/11/2025 12:33 PM; <br>Reviewer 03/12/2025 12:23 PM; Hello <br> XXXXX have been added for the final settlement statement to be provided. <br>XXXX<br>Reviewer 03/12/2025 12:23 PM; please provide final settlement statement<br>| 03/13/2025 |  |  | A | 1 | XXXX | NC | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641556 | XXXX | XXXX | 7142436 | 272 | XXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | XXXX – XXXX form in broker name not XXXX approved XXXXX XXXX | Received approval of appraisal |  | Reviewer 04/30/2025 08:35 PM; The approval received did not mention approval of the appraiser not XXXX approved<br>| 05/01/2025 |  |  | A | 1 | XXXX | MA | 3 | 3 | C | A | A | A | N/A | N/A | C | A |  | Exempt | 1 |
| 1641562 | XXXX | XXXX | 7142444 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX for borrower XXXX XXXXX | CoreLogic report provided. XXXX that addresses fraud report findings in the file. |  | Reviewer 04/24/2025 10:05 PM; Received XXXX report. XXXX lender comments for all XXXXX and XXXXX alerts<br>Client 04/28/2025 02:52 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you.<br>Reviewer 04/28/2025 04:22 PM; Condition has been reviewed. XXX<br>| 04/28/2025 |  |  | A | 1 | XXXX | NY | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641567 | XXXX | XXXX | 7142453 | 434 | XXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | XXX months reserves not met. XXXX from XXXX was transferred to XXXXX ending balance is required from XXXXX or additional funds to be provided. | The borrowers next statement was not available prior to XXXX to close. XXXX the XXXX history does not include a running balance, it accounts for all deposits and additions and totals those. XXXXX XXXX on XXXX XXXXX - XXXXX XXXX XXXXX XXXXX = XXXX XXXX balance |  | Client 04/08/2025 03:59 PM; The borrowers next statement was not available prior to XXXX to close. XXXX the XXXX history does not include a running balance, it accounts for all deposits and additions and totals those. <br> XXX manually calculated the assets remaining. XXXXX XXXX on XXXX XXXXX - XXXXX XXXX XXXXX XXXXX = XXXX XXXX balance <br>Reviewer 04/08/2025 09:57 PM; Condition has been reviewed. XXX<br>| 04/08/2025 |  |  | A | 1 | XXXX | FL | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641576 | XXXX | XXXX | 7142476 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX XXXXX approval and XXXXX XXX analysis to correct XXXXX calculation to include missing taxes for total of XXXXX XXXX | Updated approval reflected the corrected XXXX |  | Reviewer 03/26/2025 04:54 PM; received revised approval. XXXX not receive the XXX analysis with correct XXXX<br>| 03/27/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641583 | XXXX | XXXX | 7142487 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX note being paid off matured XXXXX XXXX loan closed XXXXX and is now considered in default. | Approval received for lack of payment history |  | Reviewer 04/21/2025 05:04 PM; Documents received did not include evidence of loan extension from maturity date of XXXXX to date of closing XXXX<br>Reviewer 04/30/2025 08:36 AM; Document received was the security deed and did not include the payment history or maturity extension date.<br>| 05/03/2025 |  |  | A | 1 | XXXX | GA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641594 | XXXX | XXXX | 7142504 | 219 | XXXX | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | XXXXX provide updated XXXX XXXX with settlement & disbursement dates corrected. | PCCD provided |  | Reviewer 05/07/2025 12:20 PM; SS and XXX (page XXXX uploaded still reflect disbursement on XXXXX - loan closed on XXXX<br>Reviewer 05/14/2025 03:57 PM; Received XXXXX XXXX need XXXX XXXXX with correct funding date<br>Client 05/15/2025 03:57 PM; Final settlement statement provided confirms disbursement date. XXXXX confirm grade/rating for this finding. XXX grade XXX please clear. XXXX you. <br>Reviewer 05/15/2025 05:14 PM; <br>Reviewer 05/16/2025 11:27 AM; Hello <br> XXXXX has been cleared. <br>XXXX<br>| 05/16/2025 |  |  | A | 1 | XXXX | NV | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641595 | XXXX | XXXX | 7142507 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX fraud report | CoreLogic XXXXX provided. XXXX that addresses fraud report findings has been provided in initial upload |  | Client 04/23/2025 06:03 PM; Documentation that addresses fraud report findings has been provided in initial upload. XXXXX clear or specifically clarity which alerts still need to be addressed. XXXX you. <br>Reviewer 04/24/2025 05:04 AM; Condition has been reviewed. XXX<br>| 04/24/2025 |  |  | A | 1 | XXXX | ID | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1441767 | XXXX | XXXX | 6978712 | 852 | XXXX | Credit | Hazard Insurance |  | Hazard Insurance - H06 Policy required when master policy does not provide walls-in coverage |  | HOX policy XXX is missing. (XXXXX paid at closing and XXX is escrowed.) |  |  | Reviewer 10/27/2022 08:39 AM; HOX policy has not been provided<br>| 11/08/2022 |  |  | A | 1 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | C | B |  | Exempt | 1 |
| 1636896 | XXXX | XXXX | 7136269 | 72 | XXXX | Credit | Closing Package |  | Closing Package - |  | XXXX personal guaranty signed as an individual by borrower. XXXX guaranty in file is signed as the manager of the XXXXX |  |  | Reviewer 02/26/2025 01:29 PM; The guaranty cannot be signed by the manager of the XXXX XXX needs to be XXXXX XXXX as an individual.<br>Reviewer 02/27/2025 03:22 PM; Received the approval, however that will not clear def. XX personal guaranty is required to be signed by the borrower as an individual. <br>Reviewer 02/28/2025 10:45 AM; Loan approval will not satisfy def. XX XXXXX XXXXX is required to be signed by the borrower as an individual. <br>| 04/04/2025 |  |  | A | 1 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1636896 | XXXX | XXXX | 7136272 | 322 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | XXXX exception for XXXXX score below minimum of XXXX for loan size from XXXX to XXXXX |  | Exception approval received for credit score/ XXXXX XXXX - XXXXX depth since XXXX XXXX XXXXX XXXXX income XXXX XXXX history,residence and mortgage history, experienced investor | Reviewer 02/27/2025 09:11 AM; Minimum credit score for XXXXX loan program is XXXX XXXXX score is XXX<br>|  |  | 02/27/2025 | B | 2 | XXXX | CA | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641555 | XXXX | XXXX | 7142435 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXX XXXXX required for XXXXX < XXXX XXXX XXXXX rent XXXXX XXXXX = XXXX | XXX XXXXX = XXXX rental income XXXXX XXXXX = XXXX total rental income = XXXXX XXX = XXXX |  | Client 05/15/2025 11:05 AM; XXX XXXXX = XXXX rental income <br> XXXXX XXXXX = XXXXX<br> total rental income = XXXXX XXX = XXXX<br>Reviewer 05/15/2025 11:36 AM; Condition has been reviewed. XXX<br>| 05/15/2025 |  |  | A | 1 | XXXX | GA | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641572 | XXXX | XXXX | 7142461 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX < XXXXX requires XXX mgmt approval. XXXX XXXXX is XXXX XXXX rent from XXXXX is XXXXX = XXXXX XX XXXX = XXXXX XXXX XXXX XXX used XXXXX of short-term rental income. XXXX guidelines require all refinances for XXXXX to use XXXX for the XXXXX calculation. XXX addition, the XXXXX is XXXXX XXXX XXXX annual premium is XXXX resulting in XXXXX of XXXX | REO provided shows XXXX payment included. XXXX XXXXX well within guidelines. |  | Reviewer 05/15/2025 10:18 PM; Provide approval with correct XXXXX including the XXXX of XXXX per month and resulting XXXX<br>Reviewer 05/16/2025 07:39 PM; The document received did not include the approval with correct XXXXX including the XXXX of XXXX per month and resulting XXXX<br>Client 05/19/2025 04:03 PM; REO uploaded shows XXXX payment included. XXXXX XXXXX well within guidelines. XXXX you. <br>Reviewer 05/19/2025 06:46 PM; Condition has been reviewed. XXX<br>Client 05/20/2025 01:53 PM; Confirming if this has been cleared. XXXX you. <br>Reviewer 05/20/2025 03:32 PM; Condition has been reviewed. XXX<br>| 05/20/2025 |  |  | A | 1 | XXXX | ME | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641576 | XXXX | XXXX | 7142475 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX one of final XXX dated XXXX evidenced estimated escrow of XXXX which appears to be missing XXXXX XXXX XXXX total escrow of XXXX documented by title and included in XXXXX calculation XXXX XXXX and XXXX XXXX final XXX to be corrected | Business XXXX XXXX XXXX XX doesn't apply |  | Client 03/28/2025 11:07 AM; Business XXXX XXXX XXXX XX doesn't apply. XXXX you!<br>Reviewer 03/28/2025 12:37 PM; Condition has been reviewed XXX<br>| 03/28/2025 |  |  | A | 1 | XXXX | MD | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641579 | XXXX | XXXX | 7142481 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX rent loss insurance to cover at least XX mos of XXXX | Loan approval provides exception for rent loss. |  | Client 04/07/2025 12:35 PM; Hi, loss of use is the same as rent loss. XXXX<br>Reviewer 04/07/2025 01:34 PM; Loss of XXXX XXXXX XXXXX XXXXXX XXXXX XXXX XXXX<br>Reviewer 04/07/2025 01:34 PM; Loss of XXXX XXXXX XXXXX XXXXXX XXXXX XXXX XXXX<br>Client 04/11/2025 06:51 PM; Hi, loan approval provides exception for rent loss. XXXX<br>Reviewer 04/14/2025 07:48 AM; Condition has been reviewed. XXX<br>| 04/12/2025 |  |  | A | 1 | XXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641622 | XXXX | XXXX | 7142541 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX loan approval reflecting last list XXXXX XXXXX used to determine XXXX required. | Borrower removed the listing XXX days prior to the loan coming to us. XXXX removed on XXXXX XXXX XXXXX of XXXX doesn't make sense to use at it is nearly XXXX days old |  | Client 05/22/2025 12:35 PM; Borrower removed the listing XXX days prior to the loan coming to us. XXXX removed on XXXXX XXXX XXXXX of XXXX doesn't make sense to use at it is nearly XXXX days old. XXXX you. <br>Reviewer 05/22/2025 03:11 PM; Condition has been reviewed. XXX<br>| 05/22/2025 |  |  | A | 1 | XXXX | AZ | 3 | 3 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1469021 | XXXX | XXXX | 7062515 | 861 | XXXX | Credit | Note |  | Note - Other: |  | Please confirm if this loan has XXXX XXXXX, per XXXX XXX XXX with XX month term. XXX is not reflected on the note, XXX or closing disclosure. | Information provided |  | Reviewer 03/09/2023 04:02 PM; Please provide updated XXXX reflecting no XXX<br>| 03/10/2023 |  |  | A | 1 | XXXX | LA | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1438593 | XXXX | XXXX | 6970427 | 851 | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR of X.XX has not been met. XXXXX $XXXX, XXXX XXXXX $XXXX with XXXX $XXXX.XX | Loan XXXXX dated XXXXX XXXXX XXXXX XXXXX initial XXXXX XXXXX before XXXXX can be as low as XXXXX XXXX |  | Reviewer 10/13/2022 09:25 PM; the loan approval reflects a lock expiration date of X/XX/XX and the note date is X/XX/XX. XXXXX evidence that this loan/lock was valid at time of closing under the archived guidelines to support the XXXX <X.XX <br>| 10/13/2022 |  |  | A | 1 | XXXX | SC | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1641551 | XXXX | XXXX | 7142429 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX credit report was pulled and has a different fico score showing XXXX and the loan was approved using the original credit report of XXXX | Most recent credit report from XXXXX has XXXX mid XXXXX XXXXX was approved using XXXX score. |  | Client 03/28/2025 05:14 PM; Most recent credit report from XXXXX has XXXX mid XXXXX XXXX<br>Reviewer 03/30/2025 12:03 PM; Condition has been reviewed. XXX<br>| 03/30/2025 |  |  | A | 1 | XXXX | CA | 3 | 13 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1641612 | XXXX | XXXX | 7142532 | 330 | XXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX evidence of XXXXX XXXXX XXXX | HOI states XXXXX of XXXXX XXXXX XXXX |  | Client 04/30/2025 07:11 PM; States loss of use/rental value coverage in the uploaded XXXX document. XXXX<br>Reviewer 05/01/2025 04:55 AM; Condition has been reviewed. XXX<br>| 05/01/2025 |  |  | A | 1 | XXXX | TX | 3 | 1 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |

---

## Exhibit 99.25

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.25**

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| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** |
| **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** | **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** | **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** |
| 1389144 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Clear Capital | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1438593 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 11.65% | Vision VMC LLC | C | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1441767 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1460344 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | -2.44% | Vision VMC LLC | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1465258 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  | XXXXX | XXXXX | 5.30% | CA Value | 96 | XXXX | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1469021 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1641547 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1411732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Other | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.90% | Other | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1637002 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631606 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX | 7.41% | Clear Capital | XXXX |  |  |  |  |  |  |  |  | N/A |  |
| 1631612 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | XXXX |  |  |  |  |  |  |  |  | N/A |  |
| 1641549 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Consolidated Analytics | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1636896 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | XXXXX |  | 0.00% | XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641550 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Clear Capital | As is | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633673 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641551 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641552 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641553 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 4.44% | Clear Capital | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641555 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641556 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 0.91% | CLEAR CAPITAL | XXXX |  |  |  |  |  |  |  |  | N/A |  |
| 1641557 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641558 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641559 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | -0.48% | Clear Capital | NA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641560 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX | XXXXX | XXXXX | 0.72% | XXXX | 71A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641561 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX | XXXXX | XXXXX | -6.78% | XXXX | 1004 |  |  |  |  |  |  | XXXXX |  | 0.00% | Stewart | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641562 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXX | -2.27% | Clear Capital | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641563 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641564 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641565 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 9.40% | Vision VMC LLC | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641566 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Consolidated Analytics | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641568 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641569 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641570 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641571 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Clear Capital | XXXX |  |  |  |  |  |  |  |  | N/A |  |
| 1641572 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641573 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641575 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641576 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641578 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641579 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641580 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641581 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641582 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641583 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641584 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 9.89% | Clear Capital | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641586 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641587 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.34% | Vision VMC LLC | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1641590 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641591 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641592 | XXXX | XXXX | XXXX | XXXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 2.60% | Vision VMC LLC | ACCEPTABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641593 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641594 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641597 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641599 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX | XXXXX | 3.65% | Clear Capital | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641600 | XXXX | XXXX | XXXX | XXXX |  | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Clear Capital | XXXX |  |  |  |  |  |  |  |  | N/A |  |
| 1641602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641605 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641607 | XXXX | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641608 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641609 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641611 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXX | 8.24% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641613 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641615 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641616 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641617 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641619 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641620 | XXXX | XXXX | XXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641622 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1641625 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 0.00% | Vision VMC LLC | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.26

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.26**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| ![](ex9926001.jpg) | ![](ex9926001.jpg) | ![](ex9926001.jpg) | ![](ex9926001.jpg) | ![](ex9926001.jpg) | ![](ex9926001.jpg) | ![](ex9926001.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1389144 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1389144 | XXXX | XXXX | DSCR | 1.110 | 1.060 | Verified |
| 1389144 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1389144 | XXXX | XXXX | Mtg Pymt | 7878.23 | 9941.18 | Verified |
| 1389144 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1389144 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1438593 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1438593 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1438593 | XXXX | XXXX | Mtg Pymt | 1851.65 | 2254.10 | Verified |
| 1438593 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1438593 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1441767 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1441767 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1441767 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1441767 | XXXX | XXXX | Mtg Pymt | 1850.87 | 2266.26 | Verified |
| 1441767 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo-Hi >8 Stories | Verified |
| 1441767 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1441767 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1460344 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1460344 | XXXX | XXXX | DSCR | 0.994 | 1.060 | Verified |
| 1460344 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1460344 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1460344 | XXXX | XXXX | Mtg Pymt | 1381.25 | 1972.14 | Verified |
| 1460344 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1465258 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1465258 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1465258 | XXXX | XXXX | Mtg Pymt | 7251.70 | 7907.53 | Verified |
| 1465258 | XXXX | XXXX | Sales Price | XXXX |  | Verified |
| 1465258 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1469021 | XXXX | XXXX | Qualifying Credit Score |  | XXX | Verified |
| 1469021 | XXXX | XXXX | DSCR | 1.241 | 1.190 | Verified |
| 1469021 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1469021 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1469021 | XXXX | XXXX | Mtg Pymt | 1302.52 | 1575.81 | Verified |
| 1469021 | XXXX | XXXX | XXX | 60 |  | Verified |
| 1469021 | XXXX | XXXX | Property Street Address | XXXX | XXXX | Verified |
| 1469021 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1641547 | XXXX | XXXX | XXX | 480 | 360 | Verified |
| 1641547 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641547 | XXXX | XXXX | DSCR | 0.735 |  | Verified |
| 1641547 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified |
| 1641547 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1641547 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641253 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1641253 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage |  |
| 1411732 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1411732 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc |  |
| 1432710 | XXXX | XXXX | XXX | 480 | 360 | Verified |
| 1432710 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1432710 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1432710 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1637002 | XXXX | XXXX | Self-Employment Flag | N | Y |  |
| 1637002 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage |  |
| 1631606 | XXXX | XXXX | DSCR | 1.206 | 1.050 | Verified |
| 1631606 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1631606 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1631612 | XXXX | XXXX | XXX | 360 | 240 | Verified |
| 1631612 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1631612 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1631612 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1631612 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1641548 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1641548 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641548 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641548 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641549 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641549 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1636896 | XXXX | XXXX | DSCR | 0.499 |  | Verified |
| 1641550 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1641550 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641550 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641550 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641550 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1633673 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641551 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641551 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1641551 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641552 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641553 | XXXX | XXXX | Appraised Value | XXXX | XXXX |  |
| 1641553 | XXXX | XXXX | DSCR | 0.899 |  | Verified |
| 1641553 | XXXX | XXXX | Property Type | Attached | Townhouse | Verified |
| 1641553 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1641553 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641554 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1641554 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641554 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641555 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641555 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641555 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641556 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1641556 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641556 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641557 | XXXX | XXXX | DSCR | 0.547 |  | Verified |
| 1641557 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641557 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641558 | XXXX | XXXX | XXX | 360 | 240 | Verified |
| 1641558 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641558 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641558 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641558 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641559 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641559 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641560 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641560 | XXXX | XXXX | XXX | 360 | 240 | Verified |
| 1641560 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641560 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1641560 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641560 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641561 | XXXX | XXXX | DSCR | 0.876 |  | Verified |
| 1641561 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified |
| 1641561 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641561 | XXXX | XXXX | PITI | XXXXX | XXXXX | Verified |
| 1641562 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641562 | XXXX | XXXX | XXX | 360 | 240 |  |
| 1641562 | XXXX | XXXX | Interest Only | N | Y |  |
| 1641562 | XXXX | XXXX | DSCR | 1.563 | 1.290 |  |
| 1641562 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1641562 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641562 | XXXX | XXXX | Original LTV | XXXX | XXXX | Verified |
| 1641562 | XXXX | XXXX | Original CLTV | XXXX | XXXX | Verified |
| 1641562 | XXXX | XXXX | Property Zip | XXXX | XXXX |  |
| 1641563 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641564 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1641564 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1641564 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641564 | XXXX | XXXX | PITI | XXXXX | XXXXX | Verified |
| 1641565 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641565 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641566 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641567 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641567 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641567 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641568 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1641568 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641569 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641569 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641570 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641570 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641571 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1641571 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641572 | XXXX | XXXX | DSCR | 1.326 | 0.950 | Verified |
| 1641572 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1641572 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641572 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641573 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1641573 | XXXX | XXXX | XXX | 480 | 360 | Verified |
| 1641573 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641573 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641573 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641574 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1641574 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641574 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641575 | XXXX | XXXX | DSCR | 1.492 | 1.420 | Verified |
| 1641575 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641575 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641576 | XXXX | XXXX | Sales Price | XXXX | XXXX | Verified |
| 1641576 | XXXX | XXXX | DSCR | 1.492 | 1.420 | Verified |
| 1641576 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641576 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641578 | XXXX | XXXX | XXX | 360 | 240 | Verified |
| 1641578 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641578 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641578 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641578 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641578 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641579 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1641579 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641579 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641580 | XXXX | XXXX | Qualifying Credit Score | XXX |  | Verified |
| 1641580 | XXXX | XXXX | DSCR | 0.682 |  | Verified |
| 1641580 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641581 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641581 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641581 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641582 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641582 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641583 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641583 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641583 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641583 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641584 | XXXX | XXXX | XXX | 360 | 240 | Verified |
| 1641584 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641584 | XXXX | XXXX | DSCR | 1.242 | 1.360 |  |
| 1641584 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641585 | XXXX | XXXX | Property Type | Detached | 5-10 Family |  |
| 1641585 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified |
| 1641585 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641585 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641586 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641586 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641588 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641588 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641588 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641589 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641589 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641590 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641590 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641591 | XXXX | XXXX | Qualifying DTI | 0.47484 | 0.47158 | Verified |
| 1641591 | XXXX | XXXX | DSCR | 1.069 |  | Verified |
| 1641591 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1641591 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1641592 | XXXX | XXXX | XXX | 360 | 240 | Verified |
| 1641592 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641592 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1641592 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641592 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641593 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641594 | XXXX | XXXX | XXX | 360 | 240 | Verified |
| 1641594 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641594 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641595 | XXXX | XXXX | DSCR | 0.710 |  | Verified |
| 1641596 | XXXX | XXXX | DSCR | 0.649 |  | Verified |
| 1641596 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641597 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641598 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Verified |
| 1641599 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified |
| 1641599 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641599 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641600 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641601 | XXXX | XXXX | DSCR | 1.225 | 1.370 | Verified |
| 1641601 | XXXX | XXXX | Property Type | Attached | 5-10 Family | Verified |
| 1641601 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641602 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641602 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641602 | XXXX | XXXX | Property Zip | XXXX | XXXX |  |
| 1641603 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641603 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641605 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified |
| 1641605 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641605 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641605 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641607 | XXXX | XXXX | DSCR | 0.844 | 0.880 |  |
| 1641607 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641607 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641607 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641608 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641608 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641608 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641608 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641609 | XXXX | XXXX | DSCR | 0.854 |  | Verified |
| 1641609 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641609 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641610 | XXXX | XXXX | DSCR | 1.106 | 1.270 |  |
| 1641610 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641610 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641611 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641611 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641612 | XXXX | XXXX | Qualifying Credit Score | XXXX |  | Verified |
| 1641612 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641613 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641614 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641614 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641614 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641614 | XXXX | XXXX | PITI | XXXX | XXXX | Verified |
| 1641615 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641615 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641616 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1641616 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641616 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641617 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641617 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641618 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641619 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641619 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641620 | XXXX | XXXX | Doc Type | FullDocumentation | Bank Statement | Verified |
| 1641621 | XXXX | XXXX | Qualifying DTI | 0.32635 | 0.35916 | Verified |
| 1641621 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1641622 | XXXX | XXXX | XXX | 360 | 240 | Verified |
| 1641622 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1641622 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified |
| 1641622 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641625 | XXXX | XXXX | Self-Employment Flag |  | N | Verified |
| 1641625 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified |
| 1641625 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |

---

## Exhibit 99.27

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.27**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) | ![](ex9927001.jpg) |
| **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
| **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** |
| **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** |
| 1389144 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1438593 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1441767 | XXXX | XXXX | Exempt | N/A | No | XXXX |  | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1460344 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1465258 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1469021 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1641547 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641253 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1411732 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | Foreign National |  |  |  | Yes | $5194.41 |
| 1432710 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1637002 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1631606 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | Permanent Resident Alien |  | No |  |
| 1631612 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1641548 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1641549 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1636896 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $91325.73 |
| 1641550 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633673 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641551 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641552 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641553 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1641554 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641555 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641556 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641557 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $5266.00 |
| 1641558 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | Yes | -$2298.00 |
| 1641559 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641560 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1641561 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $27090.29 |
| 1641562 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1641563 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641564 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1641565 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1641566 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1641567 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1641568 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641569 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641570 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1641571 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1641572 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Unemployed | US Citizen |  | US Citizen |  | No |  |
| 1641573 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641574 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1641575 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641576 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641578 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641579 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641580 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Retired | Foreign National |  | Foreign National |  | No |  |
| 1641581 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641582 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641583 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641584 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641585 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641586 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641587 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $9361.82 |
| 1641588 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | Permanent Resident Alien |  | No |  |
| 1641589 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641590 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1641591 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | Yes | $9708.20 |
| 1641592 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| 1641593 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $2415.41 |
| 1641594 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641595 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Retired |  | US Citizen |  |  |  | Yes | $1255.31 |
| 1641596 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | Yes | $4476.24 |
| 1641597 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1641598 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Unemployed | US Citizen |  | US Citizen |  | No |  |
| 1641599 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641600 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1641601 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1641602 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1641603 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641605 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641607 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1641608 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641609 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | No |  |
| 1641610 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1641611 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641612 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Employed |  | Foreign National |  |  |  | No |  |
| 1641613 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641614 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1641615 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1641616 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641617 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641618 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641619 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641620 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | No |  |
| 1641621 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed | Retired | US Citizen |  | US Citizen |  | Yes | $9509.57 |
| 1641622 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1641625 | XXXX | XXXX | Exempt | N/A | No | XXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.28

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.28**

---

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| ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) | ![](ex9928001.jpg) |
| **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** |
| **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** | **Run Date - 06/13/2025 9:40:19 AM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** |
| 1389144 | XXXX | XXXX | XXXX | XXXX | XXXX | DSCR | 20210704 | Debt Service Coverage | Yes | Yes | $10500.00 | $11000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 10500 | 1.06 | $9941.18 | 20231231 | 12 | No | Yes | $299260.00 |  | NO | $0.00 | $1753.20 | $309.75 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 45 | 2 | US Citizen |  | 758 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 762 | 758 | 748 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 6 | 4.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1438593 | XXXX | XXXX |  | XXXX | XXXX | DSCR | 20220824 | Debt Service Coverage | Yes | Yes | $2100.00 | $1700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1700 | 0.75 | $2254.10 | 20230228 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $215.55 | $186.90 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 103 | 0.8 | US Citizen |  | 620 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 644 | 620 | 605 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 1.1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1441767 | XXXX | XXXX | XXXX | XXXX | XXXX | DSCR | 20220801 | Debt Service Coverage | Yes | Yes | $2950.00 | $3000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2950 | 1.01 | $2918.26 | 20230630 | 12 | No | No |  |  | YES | $652.00 | $342.42 | $72.97 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 47 | 0.95 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20220902 |  | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1460344 | XXXX | XXXX |  | XXXX | XXXX | DSCR | 20221001 | Debt Service Coverage | Yes | No | $0.00 | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.06 | $1972.14 |  |  |  | Yes | $78240.00 |  | NO | $0.00 | $473.56 | $117.33 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 104 | 20 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20221110 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1465258 | XXXX | XXXX |  | XXXX | XXXX | DSCR | 20221001 | Debt Service Coverage | Yes | No | $0.00 | $7250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 7250 | 0.92 | $7907.53 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $564.00 | $91.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 19 | 2 | US Citizen |  | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 722 | 727 | 716 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 2 | XXXX | XXXX | 7 | 4.1 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1469021 | XXXX | XXXX |  | XXXX | XXXX | DSCR | 20221017 | Debt Service Coverage | Yes | Yes | $2300.00 | $2200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2200 | 1.19 | $1851.98 | 20230731 | 12 | No | Yes | $27600.00 |  | YES | $276.17 | $199.63 | $73.66 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 73 | 3.9 | US Citizen | US Citizen | 640 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20221129 |  | $XXXX | 1 | XXXX | XXXX | 3 | 3.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641547 | XXXX | XXXX |  | XXXX | XXXX | Investor Income Doc: 10-Year IO + 30 Year Fixed | 20250301 | Bank Statement | Yes | Yes | $3550.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 42.082 |  | 0 | 0 | $4626.99 | 20250930 | 24 |  | Yes | $0.00 | Yes | YES | $166.67 | $688.48 | $139.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 41 | 2 | US Citizen |  | 743 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250221 |  | $XXXX | 1 | XXXX | XXXX | 5 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | XXX | 2350 |  |  | 2350 | 0.81 | $2903.06 |  |  |  | Yes | $36800.00 |  | YES | $120.92 | $198.40 | $138.75 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 64 | 1 | US Citizen | US Citizen | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 808 | 785 | 766 | XXXX | XXXX |  | US Citizen | Stated, Verified | 794 | 789 | 779 | Employed | Employed | XXX | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1411732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Foreign National Fixed Investment Property | 20220301 | ALTDOC | Yes | No | $0.00 | $2500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 37.291 |  | 0 |  | $2499.42 |  |  |  | Yes | $65400.00 |  | YES | $70.83 | $727.53 | $51.75 | Stated, Verified | NO | 1 | 2 |  | Yes | No | Experienced | 3 | 4 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXX | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1432710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Expanded Investor - Fixed 10 YR I/O 40 YR Term | 20220601 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.01 | $1884.45 |  |  |  | Yes | $11400.00 |  | YES | $515.00 | $316.98 | $139.25 | Stated, Verified | NO |  | 2 |  | No | No | Experienced | 11 | 6 | US Citizen |  | 674 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXX | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 1 | 1.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXX | No |  |
| 1637002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20241015 | Debt Service Coverage | Yes | No | $0.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | 1.19 | $1343.10 |  |  |  | Yes | $34453.00 |  | NO | $0.00 | $218.90 | $93.09 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 98 | 7 | US Citizen |  | 661 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20241121 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1.1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1631606 | XXXX | XXXX |  | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20241015 | Debt Service Coverage | Yes | Yes | $10469.00 | $10800.00 | Other | Other | No |  | 0 |  |  | 8049.33 | 1.05 | $7688.22 | 20250731 | 12 | No | Yes | $200000.00 |  | NO | $0.00 | $1406.25 | $618.33 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 27 | 7.5 | US Citizen | Permanent Resident Alien | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 00 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | 20241203 | XX/XX/XXXX | $XXXX | 8 | XXXX | XXXX | 8 | 8 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1631612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | 20241015 | Debt Service Coverage | Yes | Yes | $6995.00 | $7000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 6995 | 0.86 | $8157.29 | 20260531 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1407.80 | $138.88 | Stated, Verified | NO | 2 | 3 |  | No | No | Experienced | 230 | 1 | US Citizen | US Citizen | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 782 | 772 | 773 | XXXX | XXXX |  | US Citizen | Stated, Verified | 825 | 778 | 781 | Not Required | Not Required | XXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641548 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $3375.00 | $5465.00 | Other | Other | No |  | 0 |  |  | 3988 | 1.43 | $2793.70 |  | 1 | Yes | Yes | $0.00 | Yes | NO | $0.00 | $482.17 | $316.34 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 8 | 7.2 | Permanent Resident Alien |  | 754 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250210 | XX/XX/XXXX | $XXXX | 7 | XXXX | XXXX | 12 | 7 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641549 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Other | 7890 |  |  | 7890.27 | 1.09 | $7222.58 |  |  |  | Yes | $48000.00 |  | NO | $0.00 | $944.58 | $775.29 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 14 | 0.6 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 811 | 698 | 801 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 4 | XXXX | XXXX | 6 | 4 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1636896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Super-Prime 10YR IO / 20YR fixed | 20250101 | Full | Yes | No | $0.00 | $13000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 22.103 |  | 0 |  | $26071.49 |  |  |  | Yes | $78000.00 |  | NO | $0.00 | $4427.09 | $2548.16 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 32 | 10 | US Citizen |  | 653 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 645 | 653 | 661 |  |  |  |  |  |  |  |  | Employed |  | XXX | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 6 | 4.2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641550 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $7800.00 | $7800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 7550 | 1.83 | $4124.20 | 20260105 | 12 | No | Yes | $49490.40 |  | NO | $0.00 | $694.70 | $672.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 31 | 3 | US Citizen |  | 699 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250117 |  | $XXXX | 6 | XXXX | XXXX | 12 | 6 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1633673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250101 | Debt Service Coverage | Yes | Yes | $12500.00 | $12500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 12500 | 3.15 | $3966.12 | 20280731 | 60 |  | Yes | $102000.00 |  | NO | $0.00 | $681.80 | $153.13 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 66 | 10 | US Citizen |  | 739 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250121 |  | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $16283.00 | $19861.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 16282.67 | 1.64 | $9944.59 | 20251001 | 12 | No | Yes | $240000.00 |  | NO | $0.00 | $1299.87 | $504.35 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 93 | 0 | US Citizen |  | 702 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250129 |  | $XXXX | 8 | XXXX | XXXX | 12 | 8 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250201 | Debt Service Coverage | Yes | Yes | $3800.00 | $3600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3600 | 0.76 | $4722.68 | 20251201 | 12 |  | Yes | $152000.00 |  | YES | $93.33 | $206.52 | $144.92 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 102 | 25 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Not Stated, not Verified | 748 | 741 | 732 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 3.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641553 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250301 | Bank Statement | Yes | Yes | $2600.00 | $2750.00 | FNMA 1007/216 | Leases | No |  | 0 | 47.842 |  | 0 |  | $3059.97 | 20251031 | 12 |  | Yes | $25000.00 |  | NO | $0.00 | $482.92 | $213.91 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 116 | 4 | Permanent Resident Alien | Permanent Resident Alien | 760 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 743 | 757 | 739 | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 760 | 762 | 727 | Employed | Employed | XXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | Yes | $7150.00 | $7800.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 6792.5 | 1.94 | $3502.91 | 20260331 | 12 | No | Yes | $75000.00 |  | NO | $0.00 | $436.32 | $320.58 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 11 | 17 | US Citizen |  | 716 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXX |  | US Citizen | Stated, Verified | 716 | 753 | 698 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XX/XX/XXXX | $XXXX | 6 | XXXX | XXXX | 18 | 12 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641555 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1992.68 | 1.01 | $1978.12 |  |  |  | Yes | $11952.00 |  | YES | $529.00 | $306.92 | $57.42 | Stated, Not Verified | NO | 1 | 2 |  | No | No | Experienced | 69 | 3.9 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Not Verified | 765 | 773 | 729 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641556 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $10195.00 | Other | Other | No |  | 0 |  |  | 8895 | 1.83 | $4865.32 |  |  |  | Yes | $53383.84 |  | NO | $0.00 | $755.30 | $641.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 246 | 25 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 780 | 742 | 745 |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 6 | XXXX | XXXX | 12 | 6 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Corporation | XXXX | No |  |
| 1641557 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250301 | Full | Yes | Yes | $2100.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 46.467 |  | 0 | 0 | $2494.24 | 20250430 | 12 | No | Yes | $33000.00 |  | NO | $0.00 | $266.33 | $337.38 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 44 | 1 | US Citizen |  | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250212 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641558 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $4475.00 | $4150.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4175 | 1.55 | $2697.40 | 20251025 | 12 |  | Yes | $100000.00 |  | NO | $0.00 | $297.63 | $208.58 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 142 | 5 | US Citizen |  | 722 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250214 |  | $XXXX | 3 | XXXX | XXXX | 4 | 3 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641559 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $10500.00 | $10500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 9575 | 1.2 | $8003.95 | 20250815 | 12 | No | Yes | $100000.00 |  | NO | $0.00 | $1335.54 | $1229.34 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 104 | 4 | US Citizen |  | 767 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXX |  | US Citizen | Stated, Verified | 767 | 797 | 760 |  |  |  |  |  |  |  |  | Employed |  | XXX | XX/XX/XXXX | $XXXX | 8 | XXXX | XXXX | 16 | 8 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641560 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $14400.00 | $14400.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 14400 | 1.01 | $14187.44 | 20250831 | 12 | No | Yes | $172800.00 |  | NO | $0.00 | $997.27 | $804.50 | Stated, Verified | NO | 1 | 5 |  | No | No | Inexperienced | 22 | 6 | US Citizen | US Citizen | 781 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | 20250219 | XX/XX/XXXX | $XXXX | 6 | XXXX | XXXX | 12 | 6 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641561 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250401 | Asset Depletion | Yes | No | $0.00 | $0.00 |  | FNMA 1007/216 | No |  | 0 | 4.972 |  | 0 |  | $17114.97 |  |  |  | Yes | $699308.40 |  | NO | $0.00 | $1626.31 | $1160.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 432 | 30 | US Citizen |  | 793 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250218 |  | $XXXX | 1 | XXXX | XXXX | 5 | 4.2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641562 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $16380.00 | $17700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 16380 | 1.29 | $12656.78 | 20250630 | 12 |  | Yes | $0.00 | Yes | NO | $0.00 | $2497.66 | $476.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 32 | 4.2 | US Citizen | US Citizen | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 747 | 741 |  | XXXX | XXXX |  | US Citizen | Stated, Verified | 728 | 755 |  | Employed | Employed | XXX |  | $XXXX | 6 | XXXX | XXXX | 9 | 8 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | Yes | $9300.00 | $12000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 9300 | 1.35 | $6867.44 | 20260131 | 12 | No | Yes | $264000.00 |  | NO | $0.00 | $769.00 | $275.59 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 35 | 3 | US Citizen |  | 726 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250220 |  | $XXXX | 3 | XXXX | XXXX | 12 | 3 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | Other | 17874 |  |  | 17574 | 1.41 | $12446.07 |  |  |  | No |  |  | NO | $0.00 | $1971.00 | $1171.22 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 38 | 3 | US Citizen | US Citizen | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 821 | 787 | 765 | XXXX | XXXX |  | US Citizen | Stated, Verified | 804 | 779 | 762 | Employed | Employed | XXX |  | $XXXX | 7 | XXXX | XXXX | 11 | 7 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3400 | 0.76 | $4481.95 |  |  |  | Yes | $51800.00 |  | NO | $0.00 | $336.01 | $206.34 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 105 | 9 | US Citizen |  | 704 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 739 | 700 | 704 |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 5 | 4.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641566 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3000 | 1.23 | $2435.33 |  |  |  | Yes | $49500.00 |  | NO | $0.00 | $508.97 | $212.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 23 | 0.1 | US Citizen |  | 744 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250224 |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Foreign National Fixed Investment Property | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3400 | 0.89 | $3813.43 |  |  |  | Yes | $41400.00 |  | YES | $111.00 | $524.48 | $208.19 | Stated, Verified | NO | 1 | 1 |  | Yes | Yes | Inexperienced | 11 | 25 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250226 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.16 | $1631.05 |  |  |  | Yes | $20000.00 |  | NO | $0.00 | $229.53 | $154.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 144 | 35 | US Citizen |  | 663 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 1 | 1 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250226 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $6800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6800 | 1.01 | $6739.92 |  |  |  | Yes | $40800.00 |  | YES | $2513.00 | $799.64 | $454.84 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 147 | 16 | US Citizen |  | 647 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250228 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $4000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4000 | 1.14 | $3513.45 |  |  |  | Yes | $25000.00 |  | NO | $0.00 | $429.17 | $276.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 211 | 0 | US Citizen | US Citizen | 741 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | 20250228 |  | $XXXX | 2 | XXXX | XXXX | 2 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641571 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $9540.00 | $8419.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 8419 | 1.13 | $7427.61 | 20250623 | 12 |  | Yes | $100000.00 |  | NO | $0.00 | $1733.92 | $340.92 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 24 | 0 | Permanent Resident Alien | Permanent Resident Alien | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 766 | 779 | 774 | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 735 | 749 | 736 | Employed | Employed | XXX | XX/XX/XXXX | $XXXX | 6 | XXXX | XXXX | 12 | 6 |  | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | Short Term Rental Documents | Yes |  | 0 |  |  | 1690.21 | 0.95 | $1781.15 |  |  |  | Yes | $32800.00 |  | NO | $0.00 | $302.33 | $164.10 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 90 | 3 | US Citizen | US Citizen | 808 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 803 | 808 | 820 | XXXX | XXXX |  | US Citizen | Stated, Verified | 775 | 778 | 787 | Employed | Unemployed | XXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed 40yr 10YR IO | 20250401 | Debt Service Coverage | Yes | Yes | $2750.00 | $3000.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2750 | 1.02 | $2700.37 | 20230301 | 1 | Yes | Yes | $67556.00 |  | NO | $0.00 | $309.54 | $97.13 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 18 | 2 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250305 |  | $XXXX | 1 | XXXX | XXXX | 4 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641574 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $5700.00 | $6600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 5700 | 1.2 | $4740.52 | 20250630 | 12 | No | Yes | $68400.00 |  | NO | $0.00 | $873.06 | $191.34 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 6 | 2 | US Citizen |  | 728 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250307 | XX/XX/XXXX | $XXXX | 6 | XXXX | XXXX | 8 | 6 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.42 | $1412.39 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $131.36 | $50.34 | Stated, Verified | NO | 2 | 11 |  | No | No | Experienced | 133 | 8.6 | US Citizen |  | 677 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 713 | 677 |  |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $2000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2000 | 1.42 | $1412.39 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $131.36 | $50.34 | Stated, Verified | NO | 2 | 11 |  | No | No | Experienced | 26 | 8 | US Citizen |  | 677 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 713 | 677 |  |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C1 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641578 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $4800.00 | $3650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3650 | 0.76 | $4812.30 | 20260501 | 18 | No | Yes | $39600.00 |  | YES | $78.75 | $686.84 | $196.21 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 24 | 2 | US Citizen |  | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 766 | 781 | 747 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641579 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $5700.00 |  | Short Term Rental Documents | Yes | 1007/216 | 4275 |  |  | 4275 | 1.42 | $3018.58 |  |  |  | Yes | $18000.00 |  | YES | $965.00 | $571.63 | $197.98 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 61 | 3.9 | US Citizen |  | 667 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 675 | 667 | 664 |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Foreign National Fixed Investment Property | 20250401 | Full | Yes | No | $0.00 | $3500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 47.812 |  | 0 |  | $5114.07 |  |  |  | Yes | $50920.00 |  | YES | $387.33 | $471.36 | $762.97 | Stated, Verified | NO | 1 | 2 |  | Yes | Yes | Experienced | 30 | 1 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Retired | 20250311 |  | $XXXX | 1 | XXXX | XXXX | 3 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641581 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1800 | 1.02 | $1758.63 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $521.23 | $182.50 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 78 | 1 | US Citizen |  | 727 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 727 | 730 | 687 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641582 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $4375.00 | $4870.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4375 | 1.15 | $3796.36 | 20251031 | 12 |  | Yes | $26250.00 |  | NO | $0.00 | $553.78 | $420.08 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 73 | 4 | US Citizen |  | 682 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250314 |  | $XXXX | 3 | XXXX | XXXX | 3 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641583 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250301 | Debt Service Coverage | Yes | Yes | $2200.00 | $1600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2200 | 1.11 | $1977.81 | 20251101 | 12 |  | Yes | $29040.00 |  | YES | $50.00 | $205.79 | $351.42 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 6 | 2 | US Citizen |  | 679 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250313 |  | $XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641584 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 10-Year IO + 20-Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $15333.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirBNB | 15333 |  |  | 7438.31 | 1.36 | $5460.90 |  |  |  | Yes | $45000.00 |  | YES | $1182.00 | $43.49 | $295.83 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 75 | 2.4 | US Citizen |  | 694 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250317 |  | $XXXX | 1 | XXXX | XXXX | 1 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641585 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $4555.00 | $9350.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 9350 | 1.42 | $6604.39 | 20250401 | 1 | Yes | Yes | $56100.00 |  | NO | $0.00 | $1111.40 | $1336.05 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 6 | 8 | US Citizen |  | 765 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 778 | 754 | 765 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XX/XX/XXXX | $XXXX | 6 | XXXX | XXXX | 6 | 6 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641586 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $1900.00 | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | 1.11 | $1447.43 | 20241115 | 12 |  | Yes | $27500.00 |  | NO | $0.00 | $176.18 | $108.34 | Not Stated, not Verified | NO | 1 | 2 |  | No | No | Experienced | 80 | 4 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Not Stated, not Verified | 749 | 774 | 733 |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641587 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250401 | Full | Yes | No | $0.00 | $5000.00 | FNMA 1007/216 |  | No |  | 0 | 13.522 |  | 0 |  | $3306.31 |  |  |  | Yes | $36260.00 |  | YES | $132.00 | $218.34 | $268.25 | Not Stated, not Verified | NO | 1 | 2 |  | No | No | Experienced | 107 | 9.6 | US Citizen |  | 797 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Not Stated, not Verified | 800 | 790 | 797 |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641588 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $5458.00 | $6500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 5458 | 1.37 | $3985.36 | 20250430 | 12 |  | Yes | $96392.00 |  | NO | $0.00 | $669.16 | $439.42 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 27 | 4.8 | US Citizen | Permanent Resident Alien | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 708 | 714 | 700 | XXXX | XXXX |  | Permanent Resident Alien | Stated, Verified | 730 | 692 | 716 | Not Required | Not Required | XXX | XX/XX/XXXX | $XXXX | 4 | XXXX | XXXX | 6 | 3.2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641589 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.07 | $1771.59 |  |  |  | Yes | $30500.00 |  | NO | $0.00 | $322.34 | $203.73 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 160 | 50 | US Citizen |  | 662 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250320 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641590 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250416 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | Short Term Rental Documents | Yes | XXX | 4533 |  |  | 4533 | 2.27 | $1998.33 |  |  |  | Yes | $19750.00 |  | NO | $0.00 | $152.24 | $156.91 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 107 | 12 | US Citizen | US Citizen | 732 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 723 | 741 | 729 | XXXX | XXXX |  | US Citizen | Stated, Verified | 781 | 723 | 732 | Employed | Employed | XXX |  | $XXXX | 2 | XXXX | XXXX | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641591 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed Full Doc | 20250401 | Bank Statement | Yes | Yes | $4600.00 | $4600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 47.158 |  | 0 |  | $3741.77 | 20250831 | 12 |  | Yes | $66830.00 |  | NO | $0.00 | $519.87 | $161.51 | Stated, Verified | NO | 2 | 4 |  | No | No | Experienced | 186 | 2 | US Citizen | US Citizen | 786 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 783 | 786 | 794 | XXXX | XXXX |  | US Citizen | Stated, Verified | 794 | 803 | 812 | Employed | Unemployed | XXX |  | $XXXX | 4 | XXXX | XXXX | 12 | 4 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | 20250401 | Debt Service Coverage | Yes | Yes | $13199.00 | $12634.79 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 12634.79 | 1.32 | $9554.75 | 20251101 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $1483.34 | $206.59 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 60 | 20 | US Citizen |  | 806 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250321 |  | $XXXX | 6 | XXXX | XXXX | 6 | 6 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641593 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250401 | Full | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 27.574 |  | 0 |  | $3890.14 |  |  |  | Yes | $29515.00 |  | YES | $1027.10 | $733.22 | $216.68 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 4 | 0 | US Citizen |  | 665 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250323 |  | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $2300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2300 | 0.88 | $2606.17 |  |  |  | Yes | $0.00 | Yes | YES | $65.00 | $248.14 | $81.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 90 | 20 | US Citizen |  | 733 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250320 |  | $XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1641595 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Full Doc: 30 - Year Fixed | 20250401 | Full | Yes | No | $0.00 | $2700.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 18.08 |  | 0 |  | $3803.51 |  |  |  | Yes | $99000.00 |  | NO | $0.00 | $349.89 | $125.26 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 19 | 2 | US Citizen |  | 809 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Retired |  | 20250324 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641596 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250401 | Full | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 26.113 |  | 0 |  | $4620.21 |  |  |  | Yes | $55810.00 |  | NO | $0.00 | $629.09 | $886.54 | Stated, Verified | NO | 1 | 1 |  | No | No | Inexperienced | 79 | 0.6 | US Citizen |  | 774 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250325 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641597 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250301 | Debt Service Coverage | Yes | No | $0.00 | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1850 | 1.03 | $1792.15 |  |  |  | Yes | $50000.00 |  | YES | $488.00 | $207.81 | $73.30 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 24 | 3 | US Citizen | US Citizen | 658 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | 20250326 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641598 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed Full Doc | 20250401 | Full | Yes | No | $0.00 | $2327.00 | Other | Other | No |  | 0 | 29.814 |  | 0 |  | $2488.80 |  |  |  | Yes | $25000.00 |  | YES | $580.65 | $222.07 | $49.92 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 72 | 5 | US Citizen | US Citizen | 819 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Unemployed | 20250326 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 0 | 1 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | Yes | $9272.00 | $11297.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 11297 | 1.01 | $11146.99 | 20151215 | 12 | Yes | Yes | $135000.00 |  | NO | $0.00 | $1666.67 | $1359.54 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 16 | 20 | US Citizen |  | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250328 | XX/XX/XXXX | $XXXX | 6 | XXXX | XXXX | 10 | 10 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1641600 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $7500.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | AirBNB | 7189 |  |  | 7189 | 1.5 | $4788.69 |  |  |  | Yes | $75000.00 |  | NO | $0.00 | $923.97 | $67.67 | Not Stated, not Verified | NO | 1 | 3 |  | No | No | Experienced | 7 | 6 | US Citizen | US Citizen | 790 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Not Required | 20250326 |  | $XXXX | 2 | XXXX | XXXX | 4 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Trust |  | No |  |
| 1641601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | Yes | $9024.00 | $9750.00 |  | Leases | No |  | 0 |  |  | 8630 | 1.37 | $6278.62 | 20221031 | 1 | Yes | Yes | $105000.00 |  | NO | $0.00 | $893.92 | $428.96 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 19 | 3 | US Citizen | US Citizen | 806 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 781 | 793 | 805 | XXXX | XXXX |  | US Citizen | Stated, Verified | 804 | 770 | 799 | Employed | Employed | XXX | XX/XX/XXXX | $XXXX | 8 | XXXX | XXXX | 12 | 8 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641602 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $3300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3300 | 1.37 | $2405.79 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $439.08 | $395.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 14 | 4 | US Citizen | US Citizen | 782 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 771 | 786 | 782 | XXXX | XXXX |  | US Citizen | Stated, Verified | 701 | 711 | 702 | Employed | Employed | XXX | XX/XX/XXXX | $XXXX | 3 | XXXX | XXXX | 3 | 3 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641603 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1875.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1875 | 1.01 | $1860.39 |  |  |  | Yes | $26221.00 |  | NO | $0.00 | $274.79 | $125.75 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 124 | 6 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250401 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641605 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $2464.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2464 | 1.12 | $2195.98 |  |  |  | Yes | $33500.00 |  | NO | $0.00 | $253.49 | $149.07 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 532 | 4 | US Citizen |  | 722 | 0 | 0 |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 722 | 720 | 722 |  |  |  |  |  |  |  |  | Not Required |  | XXX | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Foreign National Fixed Investment Property | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $7500.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | Other | 9992 |  |  | 9992 | 0.88 | $11395.04 |  |  |  | Yes | $69000.00 |  | YES | $1307.00 | $1939.42 | $46.67 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 20 | 3 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  |  |  |  |  |  |  |  |  | Not Required |  | XXX | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 3 | C2 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641608 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $1900.00 | $1875.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1875 | 1.01 | $1853.55 | 20260131 | 12 | No | Yes | $0.00 | Yes | NO | $0.00 | $104.47 | $159.00 | Not Stated, not Verified | NO | 1 | 4 |  | No | No | Experienced | 44 | 12 | US Citizen |  | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Not Stated, not Verified | 732 | 750 | 764 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 2 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641609 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250501 | Full | Yes | No | $0.00 | $2950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 28.958 |  | 0 |  | $3487.05 |  |  |  | Yes | $59530.00 |  | YES | $32.00 | $140.47 | $143.17 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 33 | 17 | US Citizen | US Citizen | 749 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 744 | 749 | 773 | XXXX | XXXX |  | US Citizen | Stated, Verified | 762 | 705 | 721 | Employed | Employed | XXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641610 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $0.00 |  | FNMA 1007/216 | No | 1007/216 | 4350 |  |  | 4350 | 1.27 | $3412.01 |  |  |  | Yes | $20500.00 |  | YES | $1551.00 | $538.10 | $92.22 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 13 | 14 | US Citizen | US Citizen | 766 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | Yes | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | 20250408 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $3750.00 | $3450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3450 | 1.12 | $3091.59 | 20260430 | 12 | No | Yes | $34663.00 |  | NO | $0.00 | $384.11 | $134.84 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 97 | 9 | US Citizen |  | 716 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 725 | 694 | 716 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Foreign National Fixed Investment Property DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $2800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2800 | 0.95 | $2952.29 |  |  |  | Yes | $0.00 | Yes | YES | $100.00 | $491.64 | $169.50 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 17 | 1.3 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250408 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641613 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 5550 | 1.4 | $3955.87 |  |  |  | Yes | $51500.00 |  | NO | $0.00 | $393.57 | $151.42 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 183 | 12 | US Citizen |  | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | Yes | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250409 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641614 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $3400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3400 | 1.18 | $2875.94 |  |  |  | Yes | $72525.00 |  | YES | $776.67 | $503.04 | $129.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 186 | 2.6 | US Citizen | US Citizen | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 740 | 732 | 717 | XXXX | XXXX |  | US Citizen | Stated, Verified | 786 | 795 | 783 | Not Required | Not Required | XXX | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 4 | 3 | C1 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $3000.00 | $3600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3000 | 1.18 | $2543.35 | 20241031 | 12 | Yes | Yes | $26000.00 |  | NO | $0.00 | $424.76 | $102.17 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 29 | 2 | US Citizen |  | 635 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | Yes | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20250409 |  | $XXXX | 1 | XXXX | XXXX | 1 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641616 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $4800.00 | $4100.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4800 | 1.69 | $2832.43 | 20260131 | 12 |  | Yes | $71734.00 |  | NO | $0.00 | $416.80 | $182.42 | Stated, Verified | NO | 1 | 22 |  | No | No | Experienced | 286 | 1 | US Citizen |  | 747 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 746 | 786 | 747 |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 2 | XXXX | XXXX | 8 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641617 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | Yes | $1400.00 | $1800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1400 | 0.75 | $1857.09 | 20260118 | 72 | No | Yes | $30600.00 |  | NO | $0.00 | $367.92 | $116.39 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 78 | 12 | US Citizen |  | 787 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 787 | 796 | 783 |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow Fixed DSCR | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $1625.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1625 | 0.78 | $2070.82 |  |  |  | Yes | $27000.00 |  | YES | $180.00 | $178.31 | $90.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 36 | 30 | US Citizen |  | 701 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250411 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641619 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250401 | Debt Service Coverage | Yes | No | $0.00 | $2950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2950 | 0.79 | $3720.56 |  |  |  | Yes | $0.00 | Yes | NO | $0.00 | $285.01 | $70.33 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 20 | 5 | US Citizen |  | 750 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 730 | 750 | 753 |  |  |  |  |  |  |  |  | Employed |  | XXX |  | $XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641620 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Qualified Exp AA: 30 - Year Fixed 12 mos Bank Statement | 20250401 | Bank Statement | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 13.909 |  | 0 |  | $11047.85 |  |  |  | Yes | $111900.00 |  | YES | $138.00 | $1677.09 | $226.67 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 17 | 32 | US Citizen | US Citizen | 785 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 784 | 797 | 785 | XXXX | XXXX |  | US Citizen | Stated, Verified | 770 | 809 | 785 | Employed | Unemployed | XXX | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 3 | 3.1 | C3 | $XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |
| 1641621 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor Income Doc: 30 - Year Fixed | 20250401 | Full | Yes | No | $0.00 | $3000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 35.916 |  | 0 |  | $3253.59 |  |  |  | Yes | $30000.00 |  | YES | $1378.00 | $287.79 | $154.41 | Stated, Verified | NO | 1 | 4 |  | No | No | Inexperienced | 590 | 6 | US Citizen | US Citizen | 809 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower | XXXX | XXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Retired | 20250417 | XX/XX/XXXX | $XXXX | 1 | XXXX | XXXX | 2 | 2 | C4 | $XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | 20250401 | Debt Service Coverage | Yes | Yes | $3600.00 | $2700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 3600 | 1.01 | $3561.06 | 20260212 | 12 |  | Yes | $42732.72 |  | NO | $0.00 | $84.66 | $121.53 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 10 | 19 | US Citizen |  | 725 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | 20250418 |  | $XXXX | 1 | XXXX | XXXX | 3 | 2 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | No |  |
| 1641625 | XXXX | XXXX | XXXX | XXXX | XXXX | Investor DSCR: 30 - Year Fixed | 20250501 | Debt Service Coverage | Yes | Yes | $2400.00 | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.51 | $1585.10 | 20260323 | 12 | No | Yes | $28800.00 |  | NO | $0.00 | $214.55 | $86.58 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 140 | 18 | US Citizen |  | 652 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXX |  | US Citizen | Stated, Verified | 635 | 652 | 675 |  |  |  |  |  |  |  |  | Not Required |  | XXX |  | $XXXX | 2 | XXXX | XXXX | 4 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXX | No |  |

---

## Exhibit 99.29

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **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 Borrower 4 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** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual 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** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth 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 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 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** | **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** | **Loan Program Date** | **QM Regulation Failures** | **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 Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** |
| 1389144 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $7878.23 | $9941.18 | 5.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$1527.00 | 1 | XXXX | X | $21038.40 | $3717.00 |  |  |  |  |  |  |  |  | 20220225 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR | XXXX | 20210704 |  | $0.00 |  |  | 0 | 2.6 |  | No |  | N/A | 5.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 9911 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 45 |  |
| 1438593 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1851.65 | $2254.10 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X500 | $2586.60 | $2242.80 |  |  |  |  |  |  |  |  | 20220808 | 620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR | XXXX | 20220824 |  |  |  |  | 0 | 2 |  | No |  | N/A | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.75 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 103 |  |
| 1441767 | XXXXX | XXXXX | Exempt | XXXXX | No |  |  |  |  | 0.00% | $1850.87 | $2918.26 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | AE | $4109.04 | $875.64 | XXXX | FL | $652.00 |  | Monthly |  |  |  | 20220810 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR | XXXX | 20220801 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 47 |  |
| 1460344 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1381.25 | $1972.14 | 10.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $5682.72 | $1407.96 |  |  |  |  |  |  |  |  | 20220921 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR | XXXX | 20221001 |  |  |  |  | 0 | 1 |  | No |  | N/A | 10.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.06 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 104 |  |
| 1465258 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $7251.70 | $7907.53 | 10.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 | XXXX | X | $6768.00 | $1101.96 |  |  |  |  |  |  |  |  | 20230111 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR | XXXX | 20221001 |  |  |  |  | 0 |  |  | No |  | N/A | 9.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.92 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Stable |  |  |  |  |  | 19 |  |
| 1469021 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1302.52 | $1851.98 | 9.88% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2395.56 | $883.92 | XXXX | LA | $276.17 |  | Monthly |  |  |  | 20221129 | 640 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR | XXXX | 20221017 |  |  |  |  | 0 | 1 |  | No |  | N/A | 9.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  | Increasing |  |  |  |  |  | 73 |  |
| 1641547 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3632.67 | $4626.99 | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $10413.05 | 1 | XXXX | X | $8261.76 | $1670.04 | XXXX | GA | $2000.04 |  | Annually | 42.082% |  |  | 20250221 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 8% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 02/2023-01/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 02/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 03/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 10-Year IO + 30 Year Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 41 |  |
| 1641253 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2444.99 | $2903.06 | 7.00% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2380.80 | $1665.00 | XXXX | WA | $120.92 |  | Monthly |  |  |  | 20250317 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.81 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 64 |  |
| 1411732 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1649.31 | $2499.42 | 6.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | Yes | No |  |  |  | Columbia |  | $5194.41 | 1 | XXXX | X | $8730.36 | $621.00 | XXXX | TX | $70.83 |  | Monthly | 37.291% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] CPA Letter - 2019;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 2020;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 2021;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 2/2022; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Foreign National Fixed Investment Property | XXXX | 20220301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | ALTDOC |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 3 |  |
| 1432710 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $913.22 | $1884.45 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3803.76 | $1671.00 | XXXX | FL | $515.00 |  | Monthly |  |  |  | 20220613 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Expanded Investor - Fixed 10 YR I/O 40 YR Term | XXXX | 20220601 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 11 |  |
| 1637002 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1031.11 | $1343.10 | 9.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2194.00 | 1 | XXXX | X | $2626.80 | $1117.08 |  |  |  |  |  |  |  |  | 20241114 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20241015 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 98 |  |
| 1631606 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $5663.64 | $7688.22 | 7.50% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 8 | XXXX | X | $16875.00 | $7419.96 |  |  |  |  |  |  |  |  | 20241122 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 00 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20241015 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  | No |  |  |  |  | 27 |  |
| 1631612 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $6610.61 | $8157.29 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $16893.60 | $1666.56 |  |  |  |  |  |  |  |  | 20241208 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXXX | 20241015 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.86 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 230 |  |
| 1641548 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1995.19 | $2793.70 | 8.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 7 | XXXX | C | $5786.04 | $3796.08 |  |  |  |  |  |  |  |  | 20250115 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250301 |  |  |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.43 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 8 |  |
| 1641549 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $5502.71 | $7222.58 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 4 | XXXX | VE | $11334.96 | $9303.48 |  |  |  |  |  |  |  |  | 20250424 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 14 |  |
| 1636896 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $19096.24 | $26071.49 | 8.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $91325.73 | 1 | XXXX | X | $53125.08 | $30577.92 |  |  |  |  |  | 22.103% |  |  | 20250105 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Borrower Prepared | [Borrower - Primary Income - Partnership] Business License/Validation - 2/6/2025;<br> [Borrower - Primary Income - Partnership] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 1/2024-12/2024-12 months;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 2/6/2025;<br> [Borrower - Primary Income - Partnership] K-1 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024; | [Borrower] 1040 - 2023;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX Super-Prime 10YR IO / 20YR fixed | XXXX | 20250101 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.25 | 1 | 0 | 1 | 1 | 0 | 2 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 32 |  |
| 1641550 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2757.25 | $4124.20 | 9.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $8336.40 | $8067.00 |  |  |  |  |  |  |  |  | 20250108 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 9.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.83 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 31 |  |
| 1633673 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3131.19 | $3966.12 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $8181.60 | $1837.56 |  |  |  |  |  |  |  |  | 20250117 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250101 |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 3.15 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 66 |  |
| 1641551 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $8140.37 | $9944.59 | 8.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 8 | XXXX | X | $15598.44 | $6052.20 |  |  |  |  |  |  |  |  | 20250206 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.64 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 93 |  |
| 1641552 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $4277.91 | $4722.68 | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2478.24 | $1739.04 | XXXX | NC | $1119.96 |  | Annually |  |  |  | 20250115 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250201 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.76 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 102 |  |
| 1641553 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2363.14 | $3059.97 | 8.00% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $13297.76 | 1 | XXXX | X | $5795.04 | $2566.92 | XXXX | NJ | $0.00 |  | Monthly | 47.842% |  |  | 20250122 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 90% | 50% | 50% |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1-2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 4/2023-1/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7-2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7-2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7-2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7-2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 1-2024;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 3-2023;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 3-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 3-2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 3-2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 3-2025;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 3-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 4/2023-1/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 2/2023-1/2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 7-2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 7-2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 7-2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 7-2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 1-2024;<br> [Co Borrower 1 - Primary Income - Bank Statements] Business License/Validation - 3-2023;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 1-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 3-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 3-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 3-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 3-2025;<br> [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 3-2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 116 |  |
| 1641554 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2746.01 | $3502.91 | 9.13% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $5235.84 | $3846.96 |  |  |  |  |  |  |  |  | 20250206 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250301 |  |  |  |  | 0 |  |  | No |  | N/A | 9.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.94 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 11 |  |
| 1641555 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1084.78 | $1978.12 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3683.04 | $689.04 | XXXX | GA | $529.00 |  | Monthly |  |  |  | 20250211 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 511 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 69 |  |
| 1641556 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3468.19 | $4865.32 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $9063.60 | $7701.96 |  |  |  |  |  |  |  |  | 20250213 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 91% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.83 |  |  | No | Fee Simple | Corporation | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 246 |  |
| 1641557 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1890.53 | $2494.24 | 7.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5266.00 | 1 | XXXX | X | $3195.96 | $4048.56 |  |  |  |  |  | 46.467% |  |  | 20250212 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 1/1/2025-1/31/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - No Results Returned - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2022;<br> [Borrower - Primary Income - Wages] VVOE - 3/7/2025; | [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Borrower] Transcripts - 2022; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 2 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | No | 0 |  |  | No | Fee Simple | Individual(s) | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 44 |  |
| 1641558 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2191.19 | $2697.40 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2298.00 | 3 | XXXX | X | $3571.56 | $2502.96 |  |  |  |  |  |  |  |  | 20250211 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.55 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 142 |  |
| 1641559 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $5439.07 | $8003.95 | 7.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 8 | XXXX | X | $16026.48 | $14752.08 |  |  |  |  |  |  |  |  | 20250225 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250301 |  |  |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 104 |  |
| 1641560 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $12385.67 | $14187.44 | 7.63% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $11967.24 | $9654.00 |  |  |  |  |  |  |  |  | 20250218 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250301 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 22 |  |
| 1641561 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $14328.24 | $17114.97 | 7.75% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $27090.29 | 1 | XXXX | X | $19515.72 | $13925.04 |  |  |  |  |  | 4.972% |  |  | 20250423 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 2/2025-3/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 432 |  |
| 1641562 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $9682.29 | $12656.78 | 8.13% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $29971.92 | $5721.96 |  |  |  |  |  |  |  |  | 20250219 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.29 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 32 |  |
| 1641563 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $5822.85 | $6867.44 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 | XXXX | X | $9228.00 | $3307.08 |  |  |  |  |  |  |  |  | 20250226 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250301 |  |  |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.35 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 35 |  |
| 1641564 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $9303.85 | $12446.07 | 8.50% | Yes | Yes | Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | -$12443.69 | 7 | XXXX | AE | $23652.00 | $14054.64 |  |  |  |  |  |  |  |  | 20250210 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  | 100% |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.41 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 38 |  |
| 1641565 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3939.60 | $4481.95 | 8.88% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $4032.12 | $2476.08 |  |  |  |  |  |  |  |  | 20250224 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.76 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 105 |  |
| 1641566 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1714.11 | $2435.33 | 7.00% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $6107.64 | $2547.00 |  |  |  |  |  |  |  |  | 20250123 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.99 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 23 |  |
| 1641567 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2969.76 | $3813.43 | 8.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | Yes | Yes |  |  |  | Dominican Republic | Dominican Republic | $0.00 | 1 | XXXX | X | $6293.76 | $2498.28 | XXXX | FL | $1332.00 |  | Annually |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Foreign National Fixed Investment Property | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.89 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 11 |  |
| 1641568 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1247.27 | $1631.05 | 8.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2754.36 | $1851.00 |  |  |  |  |  |  |  |  | 20250130 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 1 | 1 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.16 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 144 |  |
| 1641569 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2972.44 | $6739.92 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | AE | $9595.68 | $5458.08 | XXXX | FL | $2513.00 |  | Monthly |  |  |  | 20250212 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 147 |  |
| 1641570 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2807.86 | $3513.45 | 8.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 | XXXX | X | $5150.04 | $3317.04 |  |  |  |  |  |  |  |  | 20250223 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Investor Cash Flow Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.14 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 211 |  |
| 1641571 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $5352.77 | $7427.61 | 8.25% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $20807.04 | $4091.04 |  |  |  |  |  |  |  |  | 20250224 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.13 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 24 |  |
| 1641572 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1314.72 | $1781.15 | 8.25% | Yes | Yes | Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3627.96 | $1969.20 |  |  |  |  |  |  |  |  | 20250211 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.95 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | 3837 | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 90 |  |
| 1641573 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2293.70 | $2700.37 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3714.48 | $1165.56 |  |  |  |  |  |  |  |  | 20250224 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed 40yr 10YR IO | XXXX | 20250401 |  | $11104.42 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 18 |  |
| 1641574 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3676.12 | $4740.52 | 7.50% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $10476.72 | $2296.08 |  |  |  |  |  |  |  |  | 20250207 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 6 |  |
| 1641575 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1230.69 | $1412.39 | 8.13% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $1576.32 | $604.08 |  |  |  |  |  |  |  |  | 20250305 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250301 |  |  |  |  | 0 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 133 |  |
| 1641576 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1230.69 | $1412.39 | 8.13% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $1576.32 | $604.08 |  |  |  |  |  |  |  |  | 20250305 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 26 |  |
| 1641578 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3850.50 | $4812.30 | 8.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $8242.08 | $2354.52 | XXXX | GA | $78.75 |  | Monthly |  |  |  | 20250305 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.76 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 24 |  |
| 1641579 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1283.97 | $3018.58 | 8.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | VE | $6859.56 | $2375.76 | XXXX | FL | $965.00 |  | Monthly |  |  |  | 20250310 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250301 |  |  |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 61 |  |
| 1641580 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3492.41 | $5114.07 | 8.50% | Yes | Yes | Not Required | Retired |  |  |  |  |  | Yes | Yes |  |  |  | Great Britain | Great Britain | $4047.60 | 1 | XXXX | AE | $5656.32 | $9155.64 | XXXX | FL | $4647.96 |  | Annually | 47.812% |  |  | 20250210 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 01/2025-03/2025;<br> [Borrower - Primary Income - Wages] Other - 2024;<br> [Borrower - Primary Income - Wages] Employer Letter - 12-2024;<br> [Co Borrower 1 - Primary Income - Retirement] Award Letter / Continuance Letter - 1-2024; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Foreign National Fixed Investment Property | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 30 |  |
| 1641581 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1054.90 | $1758.63 | 8.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $6254.76 | $2190.00 |  |  |  |  |  |  |  |  | 20250311 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 78 |  |
| 1641582 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2822.50 | $3796.36 | 7.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 | XXXX | X | $6645.36 | $5040.96 |  |  |  |  |  |  |  |  | 20250314 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.15 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 73 |  |
| 1641583 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1370.60 | $1977.81 | 8.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2469.48 | $4217.04 |  |  |  |  |  |  |  |  | 20250310 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 6 |  |
| 1641584 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3939.58 | $5460.90 | 7.63% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $521.88 | $3549.96 | XXXX | HI | $1182.00 |  | Monthly |  |  |  | 20250317 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 10-Year IO + 20-Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.36 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 75 |  |
| 1641585 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $4156.94 | $6604.39 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$13318.39 | 6 | XXXX | X | $13336.80 | $16032.60 |  |  |  |  |  |  |  |  | 20250307 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250501 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 6 |  |
| 1641586 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1162.91 | $1447.43 | 8.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2114.16 | $1300.08 |  |  |  |  |  |  |  |  | 20250312 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 80 |  |
| 1641587 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2555.72 | $3306.31 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9361.82 | 1 | XXXX | X | $2620.08 | $3219.00 | XXXX | TN | $132.00 |  | Monthly | 13.522% |  |  | 20250313 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] Paystubs - 1/2025 - 4/2025;<br> [Borrower - Primary Income - Wages] WVOE - 3/18/2025 173 months;<br> [Borrower - Primary Income - Wages] VVOE - 4/16/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 107 |  |
| 1641588 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2876.78 | $3985.36 | 7.13% | Yes | Yes | Not Required | Not Required | Not Required |  |  |  |  | No | No | No |  |  |  |  | $0.00 | 4 | XXXX | X | $8029.92 | $5273.04 |  |  |  |  |  |  |  |  | 20250307 | 798 | 785 | 809 | 798 |  |  |  |  |  |  |  |  |  |  |  |  | Stated, Verified |  |  | Not Stated, not Verified |  |  | Not Stated, not Verified |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 27 |  |
| 1641589 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1245.52 | $1771.59 | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$4218.59 | 1 | XXXX | X | $3868.08 | $2444.76 |  |  |  |  |  |  |  |  | 20250303 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 160 |  |
| 1641590 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1689.18 | $1998.33 | 8.13% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | -$4828.33 | 2 | XXXX | X | $1826.88 | $1882.92 |  |  |  |  |  |  |  |  | 20250312 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% | 100% |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250416 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.27 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 107 |  |
| 1641591 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3060.39 | $3741.77 | 7.25% | Yes | Yes | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $9708.20 | 4 | XXXX | X | $6238.44 | $1938.12 |  |  |  |  |  | 47.158% |  |  | 20250218 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 7 | Business | 90% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-3/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 4/4/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 4/11/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 4/22/2025;<br> [Borrower - Primary Income - Bank Statements] Employer Letter - 4/15/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 6/5/1998;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 3/31/2025;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 3/31/2025;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 3/31/2025;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 3/31/2025;<br> [Borrower - Primary Income - Bank Statements] Investment Statements - 3/31/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 3/31/2025;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 3/28/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor Income Qualified Exp AA: 30 - Year Fixed Full Doc | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 186 |  |
| 1641592 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $7864.82 | $9554.75 | 7.38% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $17800.08 | $2479.08 |  |  |  |  |  |  |  |  | 20250320 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.32 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 60 |  |
| 1641593 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1913.14 | $3890.14 | 7.50% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2415.41 | 1 | XXXX | AE | $8798.64 | $2600.16 | XXXX | FL | $1027.10 | 20250601 | Monthly | 27.574% |  |  | 20250324 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2022;<br> [Borrower - Primary Income - Wages] Paystubs - 02/2025 - 03/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 4 |  |
| 1641594 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2211.28 | $2606.17 | 7.50% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2977.68 | $981.00 | XXXX | NV | $65.00 |  | Monthly |  |  |  | 20250324 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.88 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 90 |  |
| 1641595 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3328.36 | $3803.51 | 7.13% | Yes | N/A | Retired |  |  |  |  |  |  | No | No |  |  |  |  |  | $1255.31 | 1 | XXXX | X | $4198.68 | $1503.12 |  |  |  |  |  | 18.08% |  |  | 20250303 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Non-Primary Income - Social Security] 1099 - 2024;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 11/2024 -11 months;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 01/2025; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Full Doc: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 17000 |  |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 19 |  |
| 1641596 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3104.58 | $4620.21 | 7.25% | Yes | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4476.24 | 1 | XXXX | AE | $7549.08 | $10638.48 |  |  |  |  |  | 26.113% |  |  | 20250409 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] WVOE - 03/2025 - 20 months;<br> [Borrower - Primary Income - Wages] VVOE - 04/2025;<br> [Borrower - Primary Income - Wages] Paystubs - 02/2025;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 3500 |  |  | No |  | N/A | 7.25 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 79 |  |
| 1641597 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1023.04 | $1792.15 | 7.75% | Yes | Yes | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2493.72 | $879.60 | XXXX | OR | $488.00 |  | Monthly |  |  |  | 20250221 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250301 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 24 |  |
| 1641598 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1636.16 | $2488.80 | 7.50% | Yes | Yes | Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $7645.35 | 1 | XXXX | X | $2664.84 | $599.04 | XXXX | UT | $580.65 |  | Monthly | 29.814% |  |  | 20250326 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 01/2025-02/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] Third Party Verification - 04/2025 -27 months;<br> [Borrower - Primary Income - Wages] VVOE - 04/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Exp AA: 30 - Year Fixed Full Doc | XXXX | 20250401 |  | $0.00 |  |  | 11000 |  |  | No |  | N/A | 7.5 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 72 |  |
| 1641599 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $8120.78 | $11146.99 | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 6 | XXXX | X | $20000.04 | $16314.48 |  |  |  |  |  |  |  |  | 20250417 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 16 |  |
| 1641600 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3797.05 | $4788.69 | 6.88% | Yes | Yes | Self-Employed | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 | XXXX | X | $11087.64 | $812.04 |  |  |  |  |  |  |  |  | 20250325 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.5 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 7 |  |
| 1641601 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $4955.74 | $6278.62 | 7.00% | Yes | Yes | Self-Employed | Employed | Employed | Employed |  | 2022-07-12T00:00:00 | 2024-12-02T00:00:00 | No | No | No | No |  |  |  | $0.00 | 8 | XXXX | X | $10727.04 | $5147.52 |  |  |  |  |  |  |  |  | 20250318 | 806 | 806 | 800 | 808 | 764 | 789 | 773 |  |  |  |  |  |  |  |  |  | Stated, Verified | Stated, Verified |  | Not Stated, not Verified | Not Stated, not Verified |  | Stated, not Verified | Stated, not Verified |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 19 |  |
| 1641602 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1571.29 | $2405.79 | 7.38% | Yes | Yes | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 | XXXX | C | $5268.96 | $4745.04 |  |  |  |  |  |  |  |  | 20250331 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 8000 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 14 |  |
| 1641603 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1459.85 | $1860.39 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3297.48 | $1509.00 |  |  |  |  |  |  |  |  | 20250331 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 750 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 124 |  |
| 1641605 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1793.42 | $2195.98 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $3041.88 | $1788.84 |  |  |  |  |  |  |  |  | 20250310 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 532 |  |
| 1641607 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $8101.95 | $11395.04 | 9.25% | Yes | N/A | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | Mexico |  | -$11833.51 | 1 | XXXX | AE | $23273.04 | $560.04 | XXXX | FL | $1307.00 |  | Monthly |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Foreign National Fixed Investment Property | XXXX | 20250401 |  | $0.00 |  |  | 70354 |  |  | No |  | N/A | 9.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.88 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 20 |  |
| 1641608 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1590.08 | $1853.55 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $1253.64 | $1908.00 |  |  |  |  |  |  |  |  | 20250326 | 750 |  |  |  |  |  |  | 20250402 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 44 |  |
| 1641609 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3171.41 | $3487.05 | 7.75% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $46911.42 | 1 | XXXX | X | $1685.64 | $1718.04 | XXXX | PA | $32.00 |  | Monthly | 28.958% |  |  | 20250224 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 50% |  | [Borrower - Primary Income - Partnership] Tax Returns – Business - 2023;<br> [Borrower - Primary Income - Partnership] Tax Returns – Business - 2022;<br> [Borrower - Primary Income - Partnership] Business Return Transcripts - 2023;<br> [Borrower - Primary Income - Partnership] Business Return Transcripts - 2022;<br> [Borrower - Primary Income - Partnership] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - Partnership] Tax Returns – Personal - 2022;<br> [Borrower - Primary Income - Partnership] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Partnership] W-2 Transcript - 2022;<br> [Borrower - Primary Income - Partnership] CPA Letter - 3-2025;<br> [Co Borrower 1 - Primary Income - Partnership] 1120 - 2023;<br> [Co Borrower 1 - Primary Income - Partnership] 1120 - 2022;<br> [Co Borrower 1 - Primary Income - Partnership] Business Return Transcripts - 2023;<br> [Co Borrower 1 - Primary Income - Partnership] Business Return Transcripts - 2022;<br> [Co Borrower 1 - Primary Income - Partnership] Tax Returns – Personal - 2023;<br> [Co Borrower 1 - Primary Income - Partnership] Tax Returns – Personal - 2022;<br> [Co Borrower 1 - Primary Income - Partnership] W-2 Transcript - 2023;<br> [Co Borrower 1 - Primary Income - Partnership] W-2 Transcript - 2022; | [Borrower] Transcripts - 2023;<br> [Co Borrower 1] Transcripts - 2022; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250501 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 4 | 2 | 0 | 2 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Full |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 33 |  |
| 1641610 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1230.69 | $3412.01 | 7.00% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | VE | $6457.20 | $1106.64 | XXXX | FL | $1551.00 | 20250501 | Monthly |  |  |  | 20250403 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 1207.57 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.27 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 13 |  |
| 1641611 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2572.64 | $3091.59 | 8.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$6366.59 | 1 | XXXX | X | $4609.32 | $1618.08 |  |  |  |  |  |  |  |  | 20250225 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 97 |  |
| 1641612 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2191.15 | $2952.29 | 7.63% | Yes | N/A | Employed |  |  |  |  |  |  | Yes | No |  |  |  | Canada |  | $0.00 | 1 | XXXX | X | $5899.68 | $2034.00 | XXXX | TX | $100.00 |  | Monthly |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | LMC Foreign National Fixed Investment Property DSCR | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.95 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 17 |  |
| 1641613 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3410.88 | $3955.87 | 7.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $4722.84 | $1817.04 |  |  |  |  |  |  |  |  | 20250327 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250401 |  | $0.00 |  |  | 11250 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.4 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 183 |  |
| 1641614 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1466.31 | $2875.94 | 6.63% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $6036.48 | $1559.04 | XXXX | GA | $776.67 | 20250601 | Monthly |  |  |  | 20250409 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  |  |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 186 |  |
| 1641615 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2016.42 | $2543.35 | 7.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $5097.12 | $1226.04 |  |  |  |  |  |  |  |  | 20250314 | 635 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage | 3303 | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 29 |  |
| 1641616 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $2233.21 | $2832.43 | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$6000.00 | 2 | XXXX | X | $5001.60 | $2189.04 |  |  |  |  |  |  |  |  | 20250404 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.69 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 286 |  |
| 1641617 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1372.78 | $1857.09 | 7.00% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $4415.04 | $1396.68 |  |  |  |  |  |  |  |  | 20250409 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.75 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 78 |  |
| 1641618 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1622.26 | $2070.82 | 8.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $2139.72 | $1083.00 | XXXX | NC | $2160.00 |  | Annually |  |  |  | 20250408 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | LMC Investor Cash Flow Fixed DSCR | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.78 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 36 |  |
| 1641619 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3365.22 | $3720.56 | 8.38% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$6076.00 | 1 | XXXX | X | $3420.12 | $843.96 |  |  |  |  |  |  |  |  | 20250331 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.79 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 20 |  |
| 1641620 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $9006.09 | $11047.85 | 7.25% | Yes | Yes | Self-Employed | Unemployed |  |  |  |  |  | No | No |  |  |  |  |  | $4916.12 | 1 | XXXX | X | $20125.08 | $2720.04 | XXXX | CA | $138.00 |  | Monthly | 13.909% |  |  | 20250317 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 35% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 3/2024-2/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 3/21/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 4/9/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 4/22/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 4/25/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 4/11/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Qualified Exp AA: 30 - Year Fixed 12 mos Bank Statement | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 17 |  |
| 1641621 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1433.39 | $3253.59 | 7.50% | Yes | Yes | Self-Employed | Retired |  |  |  |  |  | No | No |  |  |  |  |  | $9509.57 | 1 | XXXX | X | $3453.48 | $1852.92 | XXXX | FL | $1378.00 | 20250601 | Monthly | 35.916% |  |  | 20250411 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  | [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2024;<br> [Borrower - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 03/2025;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - 2022;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Sole Proprietor] W-2 Transcript - No Results Returned - 2024;<br> [Co Borrower 1 - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 01/2024;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 04/2024;<br> [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 03/2025;<br> [Borrower - Primary Income - Sole Proprietor] Secretary of State (SOS) - 03/2025;<br> [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 2/2025-3/2025 - 2 months;<br> [Co Borrower 1 - Primary Income - Retirement] Bank Statements - Personal - 2/2025-3/2025 - 2 months; |  | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor Income Doc: 30 - Year Fixed | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.5 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 590 |  |
| 1641622 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $3354.87 | $3561.06 | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 | XXXX | X | $1015.92 | $1458.36 |  |  |  |  |  |  |  |  | 20250325 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | XXXX Investor Cash Flow 10YR IO / 20YR fixed 30YR term DSCR | XXXX | 20250401 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 10 |  |
| 1641625 | XXXXX | XXXXX | Exempt | XXXXX | No | No |  |  |  | 0.00% | $1283.97 | $1585.10 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$1585.10 | 2 | XXXX | X | $2574.60 | $1038.96 |  |  |  |  |  |  |  |  | 20250313 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Investor DSCR: 30 - Year Fixed | XXXX | 20250501 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7.999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.51 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | 140 |  |

---

## Exhibit 99.30

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.30**

![](ex9930001.jpg)

**EXECUTIVE SUMMARY**

**EFMT 2025-INV3**

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

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 1 loan acquired by Ellington Management Group, LLC (the "Client"). The review was performed in February 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 1 loans for an aggregate original principal balance of $419,400.00.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025<br>|

---

**Data Integrity, review scope and methodology**

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

Page **1** of **18**

![](ex9930001.jpg)

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

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

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

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

Page **2** of **18**

![](ex9930001.jpg)

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

**Credit, Income, Assets and Employment**

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

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

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

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

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

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

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

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

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

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

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

**Occupancy, Taxes, Title and Insurance**

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

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

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

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

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

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

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

Page **3** of **18**

![](ex9930001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **4** of **18**

![](ex9930001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **5** of **18**

![](ex9930001.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;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge
 test), whichever applies

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 initial TIL disclosure date is not later than the third business day (counting days on
 which the creditor's offices are open to the public for carrying on substantially
 all of its business functions) after the creditor receives the consumer's written
 application; and

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's application

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 final Loan Estimate was provided to borrower prior to the Closing Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the consumer is permitted to shop for a settlement service, the creditor shall provide
 the consumer with a written list identifying available providers of that settlement service
 and stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the
 consumer is permitted to shop. The creditor shall provide this written list of settlement
 service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i)
 but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
 on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).
 The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
 not later than four business days prior to consummation. If the revised version of the
 disclosures required under §1026.19(e)(1)(i) is not provided to the consumer in
 person, the consumer is considered to have received such version three business days
 after the creditor delivers or places such version in the mail

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall ensure that the consumer receives the disclosures required under paragraph
 §1026.19(f)(1)(i) no later than three business days before consummation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required)
 (12 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation,
 the creditor shall provide corrected disclosures reflecting any changed terms to the
 consumer so that the consumer receives the corrected disclosures at or before consummation

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting
 period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An
 estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
 charge paid by or imposed on the consumer does not exceed the amount originally disclosed
 under §1026.19(e)(1)(i)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 aggregate amount of charges for third-party services and recording fees paid by or imposed
 on the consumer does not exceed the aggregate amount of such charges disclosed under
 §1026.19(e)(1)(i) by more than 10 percent

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An
 estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
 charge paid by or imposed on the consumer does not exceed the amount originally disclosed
 under §1026.19(e)(1)(i)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the
 mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total
 of Payments

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate
 whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage
 loan's actual annual percentage rate, as recalculated, to the applicable average
 prime offer rate plus a certain applicable percentage

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not result in an increase of the principal balance

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not allow the consumer to defer repayment of principal

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not result in a balloon payment

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

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

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

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

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

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

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

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

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Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans
 underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR
 (12 CFR §1026.43(e)(2)(vi))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
 2.25 or more percentage points;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 total points and fees do not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 prepayment penalty more than 36 months after consummation or account opening; or

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon
 payment

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace
 period

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than three business days after a lender, mortgage broker, or dealer receives an
 application, or information sufficient to complete an application, the lender must provide
 the loan applicant with a clear and conspicuous written list of homeownership counseling
 organizations that provide relevant counseling services in the loan applicant's
 location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 list of homeownership counseling organizations distributed to each loan applicant under
 this section shall be obtained no earlier than 30 days prior to the time when the list
 is provided to the loan applicant

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **13** of **18**

![](ex9930001.jpg)

**Document Review**

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

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

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

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **18**

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

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **18**

**Exception Summary**

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

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Credit** <br> **Grade A**  | &nbsp;&nbsp;**Credit** <br>**Grade B**<br>| &nbsp;&nbsp;**Credit** <br>**Grade C**<br>| &nbsp;&nbsp;**Credit** <br>**Grade D \***<br>|
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

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

---

Page **16** of **18**

![](ex9930001.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Property** <br>**Grade A**<br>| &nbsp;&nbsp;**Property** <br>**Grade B**<br>| &nbsp;&nbsp;**Property** <br>**Grade C**  | &nbsp;&nbsp;**Property** <br>**Grade D \***<br>|
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **17** of **18**

![](ex9930001.jpg)

**Data Integrity Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**97.30%** |

---

Page **18** of **18**

## Exhibit 99.31

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.31**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex9931001.jpg) TPR Firm: |  | Report Date: | 5/29/2025 |  |  |  |  |  |
| Client Name: Ellington Management Group |  | Report: | Review Summary |  |  |  |  |  |
| Deal Name: EFMT 2025-INV3 |  | Loans in report: | 1 |  |  |  |  |  |
|  |  |  |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| **Final Overall Grade Summary** | **Final Overall Grade Summary** | **Final Overall Grade Summary** |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: | **Data Integrity Summary**<br> The table below provides a summary of the data compare results reflecting the number of discrepancies identified: |
| A | 1 | 100.00% |  |  |  | **Data Compare Field Name** | **# of Discrepancies** | **% Accuracy** |
| B | 0 | 0.00% |  |  |  | ARM Interest Data | 0 | 100.00% |
| C | 0 | 0.00% |  |  |  | Amortization Term | 0 | 100.00% |
| **Total** | **1** | **100.00%** |  |  |  | Borrower 1 First Name | 0 | 100.00% |
|  |  |  |  |  |  | Borrower 1 Last Name | 0 | 100.00% |
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |  |  |  | Borrower 2 First Name | 0 | 100.00% |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Borrower 2 Last Name | 0 | 100.00% |
| A | 1 | 100.00% |  |  |  | Borrower 1 FTHB | 0 | 100.00% |
| B | 0 | 0.00% |  |  |  | Borrower 2 FTHB | 0 | 100.00% |
| C | 0 | 0.00% |  |  |  | Doc Type | 0 | 100.00% |
| **Total** | **1** | **100.00%** |  |  |  | First Payment Date | 0 | 100.00% |
|  |  |  |  |  |  | Interest Only Flag | 0 | 100.00% |
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |  |  |  | Lien Position | 0 | 100.00% |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Loan Program | 0 | 100.00% |
| A | 1 | 100.00% |  |  |  | Loan Purpose | 0 | 100.00% |
| B | 0 | 0.00% |  |  |  | Loan Type | 0 | 100.00% |
| C | 0 | 0.00% |  |  |  | Maturity Date | 0 | 100.00% |
| **Total** | **1** | **100.00%** |  |  |  | Note Date | 0 | 100.00% |
|  |  |  |  |  |  | Number of Units | 0 | 100.00% |
| **Property Grade Summary** |  |  |  |  |  | Occupancy | 0 | 100.00% |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |  |  |  | Original Interest Rate | 0 | 100.00% |
| A | 1 | 100.00% |  |  |  | Original Loan Amount | 0 | 100.00% |
| B | 0 | 0.00% |  |  |  | Original Loan Term | 0 | 100.00% |
| C | 0 | 0.00% |  |  |  | Original P&I | 0 | 100.00% |
| **Total** | **1** | **100.00%** |  |  |  | Originator DSCR | 0 | 100.00% |
|  |  |  |  |  |  | Prepayment Penalty | 0 | 100.00% |
|  |  |  |  |  |  | Property Address | 0 | 100.00% |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  | Property City | 0 | 100.00% |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  | Property State | 0 | 100.00% |
| \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | Property Zip Code | 0 | 100.00% |
| **Credit Exception Categories** | **Exception Count** | **Credit Grade A** | **Credit Grade B** | **Credit Grade C** | **Credit Grade D \*** | Property Type | 0 | 100.00% |
| Assets | 0 | 0 | 0 | 0 | 0 | QM Designation | 1 | 0.00% |
| Borrower | 0 | 0 | 0 | 0 | 0 | Qualifying Appraised Value | 0 | 100.00% |
| Closing | 0 | 0 | 0 | 0 | 0 | Qualifying CLTV | 0 | 100.00% |
| Data | 0 | 0 | 0 | 0 | 0 | Qualifying FICO | 0 | 100.00% |
| Debt | 0 | 0 | 0 | 0 | 0 | Qualifying LTV | 0 | 100.00% |
| Eligibility | 0 | 0 | 0 | 0 | 0 | Qualifying Total DTI | 0 | 100.00% |
| Income/Employment | 0 | 0 | 0 | 0 | 0 | Refinance Type | 0 | 100.00% |
| Insurance | 0 | 0 | 0 | 0 | 0 | Sales Price | 0 | 100.00% |
| Missing Doc | 2 | 2 | 0 | 0 | 0 | Subordinate Lien Amount | 0 | 100.00% |
| QM-ATR | 0 | 0 | 0 | 0 | 0 | Underwriting Guideline Name | 1 | 0.00% |
| Title | 0 | 0 | 0 | 0 | 0 | **Total** | **2** | **97.30%** |
| **Total** | **2** | **2** | **0** | **0** | **0** |  |  |  |
| **Compliance Exception Categories** | **Exception Count** | **Compliance Grade A** | **Compliance Grade B** | **Compliance Grade C** | **Compliance Grade D \*** |  |  |  |
| Ability to Repay | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Closing | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Compliance | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Data | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Disclosure | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Documentation | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Fees | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Missing Doc | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Points & Fees | 0 | 0 | 0 | 0 | 0 |  |  |  |
| QM-ATR | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Right to Rescind | 0 | 0 | 0 | 0 | 0 |  |  |  |
| State Reg | 0 | 0 | 0 | 0 | 0 |  |  |  |
| TRID | 0 | 0 | 0 | 0 | 0 |  |  |  |
| **Total** | **0** | **0** | **0** | **0** | **0** |  |  |  |
| **Property Exception Categories** | **Exception Count** | **Property Grade A** | **Property Grade B** | **Property Grade C** | **Property Grade D \*** |  |  |  |
| Appraisal | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Data | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Missing Doc | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Property Issue | 0 | 0 | 0 | 0 | 0 |  |  |  |
| Value | 0 | 0 | 0 | 0 | 0 |  |  |  |
| **Total** | **0** | **0** | **0** | **0** | **0** |  |  |  |

---

## Exhibit 99.32

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.32**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex9932001.jpg) | ![](ex9932001.jpg) | Report Date: | 5/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group | Ellington Management Group | Report: | Exception Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-INV3 | EFMT 2025-INV3 | Loans in report: | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Current/Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Current/Final Loan Grade** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Initial Finding Grade** | **Current/Final Finding Grade** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 2013535 | XXX |  | D | A | D | A | A | A | A | A | Closed | FCRE1321 | 2025-02-14 11:02 | 2025-02-14 15:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Resolved-Received Trust Cert and approval. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Open-Missing the trust cert specific to subject transaction along with evidence the trust document was approved by XXX per guidelines. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-Received Trust Cert and approval. - Due Diligence Vendor-02/14/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Cert of Trust.pdf<br> Trust-Checklist.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| XXX | 2013535 | XXX |  | D | A | D | A | A | A | A | A | Closed | FCRE4104 | 2025-02-14 11:11 | 2025-02-14 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received supporting documentation large deposit of $XXX was backed out of available assets. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. see UW note at the bottom of the page - Seller-02/14/2025 <br> Open-Missing the source documentation for the large deposit in the amount of $XXX deposit into the XXX account # XXX on XXX. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. see UW note at the bottom of the page - Seller-02/14/2025<br>| Resolved-Received supporting documentation large deposit of $XXX was backed out of available assets. - Due Diligence Vendor-02/14/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | ASSET WORKSHEET.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase | NA | N/A | N/A |

---

## Exhibit 99.33

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex9933001.jpg) | ![](ex9933001.jpg) | Report Date: | 5/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group | Ellington Management Group | Report: | Rating Agency Grades |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-INV3 | EFMT 2025-INV3 | Loans in report: | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** |
| XXX | 2013535 | XXX |  | XXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.34

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.34**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex9934001.jpg) | ![](ex9934001.jpg) | Report Date: | 5/29/2025 |  |  |  |  |
| Client Name: | Ellington Management Group | Ellington Management Group | Report: | Final Tape Compare |  |  |  |  |
| Deal Name: | EFMT 2025-INV3 | EFMT 2025-INV3 | Loans in report: | 1 |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 2013535 | XXX |  | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 2013535 | XXX |  | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |

---

## Exhibit 99.35

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
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| TPR Firm: | ![](ex9935001.jpg) | ![](ex9935001.jpg) | Report Date: | 5/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group | Ellington Management Group | Report: | Supplemental Data |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-INV3 | EFMT 2025-INV3 | Loans in report: | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXX | 2013535 | XXX |  | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.625% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | N/A |  |  | XXX |  |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | XXX | XXX |  | Borrower | Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.36

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.36**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex9936001.jpg) | ![](ex9936001.jpg) | Report Date: | 5/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group | Ellington Management Group | Report: | QM ATR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-INV3 | EFMT 2025-INV3 | Loans in report: | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 2013535 | XXX |  | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.37

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.37**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex9937001.jpg) | ![](ex9937001.jpg) | Report Date: | 5/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group | Ellington Management Group | Report: | Valuation Summary |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-INV3 | EFMT 2025-INV3 | Loans in report: | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 2013535 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXX |

---

## Exhibit 99.38

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.38**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex9938001.jpg) | ![](ex9938001.jpg) | Report Date: | 5/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | Ellington Management Group | Ellington Management Group | Report: | Business Purpose Supplement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | EFMT 2025-INV3 | EFMT 2025-INV3 | Loans in report: | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 2013535 | XXX |  | XXX | NDM NonQM | Debt Service Coverage Ratio | Present | No | 0 | XXX | Appraisal - 1007 |  |  |  |  | XXX | Appraisal - 1007 | No | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 |  | XXX |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | XXX | No |  |  | Vested Individual | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.39

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.39**

![](ex9939001.jpg)

EFMT 2025-INV3

Ellington Management Group, LLC

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300<br>

**Executive Narrative**

**June 23, 2025**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Ellington Management Group, LLC**

The report summarizes the results of a due diligence review performed on a pool of 44 loans, of which were purchased by Ellington Management Group, LLC ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains 44 DSCR loans and were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Credit Review** 

**Credit Qualification** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review** 

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs** 

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as need basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance** 

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"1 disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were 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;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines; ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

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

4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

5. 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: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages 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.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent;

and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1. **<u>For Agency Eligible Loans Only</u>**: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, 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, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3. **<u>For Non-Agency Eligible Loans</u>**: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&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. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant 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. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant 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 percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a) Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. 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 potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b) Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports 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 loan.

**Additional Disclosures and Requirements:** 

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)** 

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

● California Higher-Priced Mortgage Loan Statute, 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., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

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

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

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

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

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

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● 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, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practic <u>es Act</u>, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

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

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ <u>0</u> 9 <u>.03.</u> 06.01 et seq.

● Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>le</u> m <u>en</u> ted by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>na</u> n <u>ce,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the

● Oklahoma Consumer Credit Code.

● Oklahoma Higher-Pr <u>ic</u> ed 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.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergen <u>c</u> y Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

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

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq. Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), 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 on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

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

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

**Flood Insurance Testing** 

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)** 

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values** 

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (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.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.** 

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Addreess

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria** 

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9939002.jpg)

![](ex9939003.jpg)

**<u>Tape Discrepancies</u>**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;61.36% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.73% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**44** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were two (2) obligors with multiple loans in the pool.

**<u>Loan Grading Definitions</u>**

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated June 16, 2025.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, Moody's and S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, Moody's and S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &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;**Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, Moody's and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, Moody's and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (44)</u>**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;24110020513 | &nbsp;&nbsp;WS241118261 | &nbsp;&nbsp;WS250219176 | &nbsp;&nbsp;WS250319388 |
| &nbsp;&nbsp;25010021830 | &nbsp;&nbsp;WS241218451 | &nbsp;&nbsp;WS250219188 | &nbsp;&nbsp;WS250319401 |
| &nbsp;&nbsp;25020022033 | &nbsp;&nbsp;WS250118772 | &nbsp;&nbsp;WS250219225 | &nbsp;&nbsp;WS250319405 |
| &nbsp;&nbsp;25020022073 | &nbsp;&nbsp;WS250218997 | &nbsp;&nbsp;WS250219239 | &nbsp;&nbsp;WS250319481 |
| &nbsp;&nbsp;25020022458 | &nbsp;&nbsp;WS250219035 | &nbsp;&nbsp;WS250219255 | &nbsp;&nbsp;WS250319506 |
| &nbsp;&nbsp;25020022553 | &nbsp;&nbsp;WS250219036 | &nbsp;&nbsp;WS250319308 | &nbsp;&nbsp;WS250319564 |
| &nbsp;&nbsp;25030023571 | &nbsp;&nbsp;WS250219038 | &nbsp;&nbsp;WS250319310 | &nbsp;&nbsp;WS250319593 |
| &nbsp;&nbsp;25040023629 | &nbsp;&nbsp;WS250219145 | &nbsp;&nbsp;WS250319334 | &nbsp;&nbsp;WS250319607 |
| &nbsp;&nbsp;ND250218963 | &nbsp;&nbsp;WS250219161 | &nbsp;&nbsp;WS250319340 | &nbsp;&nbsp;WS250319615 |
| &nbsp;&nbsp;WS241017808 | &nbsp;&nbsp;WS250219163 | &nbsp;&nbsp;WS250319352 | &nbsp;&nbsp;WS250419654 |
| &nbsp;&nbsp;WS241118167 | &nbsp;&nbsp;WS250219170 | &nbsp;&nbsp;WS250319370 | &nbsp;&nbsp;WS250419677 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.40

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.40**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 1993830 | Closed | 2025-01-07 10:51 | 2025-01-09 18:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Prepayment Rider | Resolved-Prepayment Penalty Rider was provider. Condition cleared. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/07/2025 <br>Open-Missing Mortgage Rider - Prepayment rider Mortgage Prepayment Rider is missing in loan file. - Due Diligence Vendor-01/07/2025 |  | Resolved-Prepayment Penalty Rider was provider. Condition cleared. - Due Diligence Vendor-01/09/2025<br>| XXX prepayment penalty.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 3151336 | N/A | N/A |
| XXXX | XXXX |  | 1993830 | Closed | 2025-01-06 19:58 | 2025-01-07 15:09 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock provided; condition resolved. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. lock confirmation - Buyer-01/07/2025 <br>Open-Missing Evidence of Rate Lock document. - Due Diligence Vendor-01/06/2025 |  | Resolved-Evidence of Rate Lock provided; condition resolved. - Due Diligence Vendor-01/07/2025<br>| XXX XXX Lock Confirmation.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 3147701 | N/A | N/A |
| XXXX | XXXX |  | 1993830 | Closed | 2025-01-07 12:41 | 2025-01-07 12:43 | Waived | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Waived-Missing the ACH form required for all loans. Lender provided approved exception date post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/07/2025 |  | Waived-Missing the ACH form required for all loans. Lender provided approved exception date post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/07/2025<br>|  |  | DSCR 1.283 > DSCR 1.2<br> FICO 700 vs Min 680<br> reserves 100 + months vs min 3 months | XX | Investment | Refinance | Cash Out - Other | 3151740 | Originator Post-Close | No |
| XXXX | XXXX |  | 2009719 | Closed | 2025-03-13 13:21 | 2025-04-15 17:24 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/13/2025 <br>Ready for Review-Document Uploaded. See attached title please provide what is exactly is needed<br> - Buyer-03/13/2025 <br>Open-Title Document is missing A complete title was not provided. - Due Diligence Vendor-03/13/2025 |  | Resolved-Title Document is not Missing - Due Diligence Vendor-03/13/2025<br>| XXX Title.pdf<br> title.pdf<br> titles.pdf<br> XXX final title.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 3601031 | N/A | N/A |
| XXXX | XXXX |  | 2020096 | Closed | 2025-04-21 18:32 | 2025-04-21 18:39 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Lender's guidelines require a property owned by an LLC to be majority owned or controlled by the borrower. The subject property is vested in a single member LLC and the 100% owner of the LLC is the borrower's personal revocable trust. The borrower is the sole Grantor, Trustee and the beneficiary of the Trust that owns the LLC the property is vested in. Lender provided an approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/21/2025 |  | Waived-Lender's guidelines require a property owned by an LLC to be majority owned or controlled by the borrower. The subject property is vested in a single member LLC and the 100% owner of the LLC is the borrower's personal revocable trust. The borrower is the sole Grantor, Trustee and the beneficiary of the Trust that owns the LLC the property is vested in. Lender provided an approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/21/2025<br>|  |  | 10 year mortgage history paid 0X30<br> $X,XXX.XX loan amount vs $750,000 max | XX | Investment | Refinance | Cash Out - Other | 3917924 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2020086 | Closed | 2025-04-25 11:38 | 2025-05-06 18:41 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Lender provided Final Alta Settlement Statement. Condition cleared. - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/05/2025 <br>Open-The final HUD/Settlement Statement is missing. Additional conditions may apply. - Due Diligence Vendor-04/25/2025 |  | Resolved-Lender provided Final Alta Settlement Statement. Condition cleared. - Due Diligence Vendor-05/06/2025<br>| 25040023629 Final Alta.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 3960891 | N/A | N/A |
| XXXX | XXXX |  | 2002045 | Closed | 2025-04-04 18:29 | 2025-04-07 14:13 | Waived | 2 - Non-Material | Credit | Eligibility | Cash out amount greater than guideline maximum | Waived-Exception granted, the finding will be graded a 2 or non-material. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/04/2025 <br> Open-Lender guidelines allow a maximum cash out of $100,000 when LTV exceeds 70% and FICO is less than 720. Per the final HUD-1 the borrower received cash out in the amount of $X,XXX.XX. - Due Diligence Vendor-04/04/2025 |  | Waived-Exception granted, the finding will be graded a 2 or non-material. - Due Diligence Vendor-04/07/2025<br>| Loan Exception Request.pdf |  | Reserves of 18 months > 6 months min<br> Experienced Investor<br> Primary housing 0x30x12 vs 1x30x12 max<br> Subject 0x30x12 vs 1x30x12 max<br> REO 0x30x12 vs 1x30x12 max | XX | Investment | Refinance | Cash Out - Other | 3787485 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 1996168 | Closed | 2025-03-11 17:01 | 2025-03-14 13:48 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/14/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/13/2025 <br>Open-Missing Third Party Fraud Report Missing Third Party Fraud report - Due Diligence Vendor-03/11/2025 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/14/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/14/2025<br>| Fraud Calderon.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 3582725 | N/A | N/A |
| XXXX | XXXX |  | 1996168 | Closed | 2025-03-11 17:01 | 2025-03-14 13:48 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/14/2025 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/13/2025 <br>Open-OFAC Check Not Completed and/or Cleared Missing evidence of OFAC - Due Diligence Vendor-03/11/2025 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/14/2025 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-03/14/2025<br>| Fraud Calderon.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 3582724 | N/A | N/A |
| XXXX | XXXX |  | 1996160 | Closed | 2025-03-25 14:28 | 2025-03-26 12:53 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documents provided. Finding Resolved. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Escalated - Buyer-03/26/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing VOR for B1, only evidence of 5 payments was provided. Missing payment history for subject property, only evidence of 3 payments provided.<br> - Due Diligence Vendor-03/25/2025 |  | Resolved-Documents provided. Finding Resolved. - Due Diligence Vendor-03/26/2025<br>| B1 12 Month.pdf<br> 868_872 XXX XXX Mortgage.pdf<br> 8_1-1_1 payment history.pdf<br> 2_1 Payment history.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 3688567 | N/A | N/A |
| XXXX | XXXX |  | 2011829 | Closed | 2025-04-22 14:03 | 2025-04-23 12:53 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR for prior residence on XXX XXX to complete the 12 month housing history. - Due Diligence Vendor-04/22/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-04/23/2025<br>| Exception.pdf |  | FICO is 769 =69 pts>700 MIN<br> 77 Mos Res =74 mos>3Min<br> DSCR is 1.2828=.2828>1.0 MIN | XX | Investment | Refinance | Cash Out - Other | 3924737 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 2016513 | Closed | 2025-05-07 12:59 | 2025-05-08 22:30 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Review product received, condition resolved. - Due Diligence Vendor-05/08/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/08/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/07/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is not present, Additional conditions may apply. - Due Diligence Vendor-05/07/2025 |  | Resolved-Review product received, condition resolved. - Due Diligence Vendor-05/08/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/08/2025<br>| SSR.pdf |  |  | XX | Investment | Purchase | NA | 4067517 | N/A | N/A |
| XXXX | XXXX |  | 2016513 | Closed | 2025-05-07 12:59 | 2025-05-08 22:30 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal was received, condition resolved. - Due Diligence Vendor-05/08/2025 <br>Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/07/2025 <br>Open-Appraisal or other primary valuation product is missing - Due Diligence Vendor-05/07/2025 |  | Resolved-Appraisal was received, condition resolved. - Due Diligence Vendor-05/08/2025 <br>Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-05/08/2025<br>| Appraisal.pdf |  |  | XX | Investment | Purchase | NA | 4067516 | N/A | N/A |
| XXXX | XXXX |  | 2011830 | Closed | 2025-04-18 22:13 | 2025-04-21 20:10 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-04/21/2025 <br>Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-04/21/2025 <br>Counter-Final HUD received but not signed or stamped certified. Please provide final HUD signed or stamped certified. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/21/2025 <br>Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. HUD-1 in file is marked "estimated". - Due Diligence Vendor-04/18/2025 |  | Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-04/21/2025 <br>Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-04/21/2025<br>| XXX FINAL SS.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 3907038 | N/A | N/A |
| XXXX | XXXX |  | 2016514 | Closed | 2025-05-01 17:49 | 2025-05-06 20:11 | Resolved | 1 - Information | Property | Appraisal | Appraisal is Expired | Resolved-Revised appraisal provided. Finding Resolved. - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. Please see revision - Buyer-05/06/2025 <br>Open-Primary Value Appraisal is Expired Primary Value Appraisal is dated greater than 120 days prior to the note date. - Due Diligence Vendor-05/01/2025 |  | Resolved-Revised appraisal provided. Finding Resolved. - Due Diligence Vendor-05/06/2025<br>| onestopappraisals_Sabri(1224923)-V6.pdf |  |  | XX | Investment | Refinance | Cash Out - Home Improvement/Reno | 4018310 | N/A | N/A |
| XXXX | XXXX |  | 2016518 | Closed | 2025-05-01 15:23 | 2025-05-05 14:50 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-05/05/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-Hazard Insurance Policy Partially Provided The policy premium is missing on Hazard Insurance Policy. - Due Diligence Vendor-05/01/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-05/05/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/05/2025<br>| Invoice.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 4015870 | N/A | N/A |

---

## Exhibit 99.41

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.41**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Original Loan Amount** |
| XXXX |  | 1993830 | $X,XXX.XX D A B |
| XXXX |  | 2009704 | $X,XXX.XX A |
| XXXX |  | 2009719 | $X,XXX.XX D A |
| XXXX |  | 2009722 | $X,XXX.XX A |
| XXXX |  | 2020096 | $X,XXX.XX B A |
| XXXX |  | 2009721 | $X,XXX.XX A |
| XXXX |  | 2020088 | $X,XXX.XX A |
| XXXX |  | 2020086 | $X,XXX.XX D A |
| XXXX |  | 2002046 | $X,XXX.XX A |
| XXXX |  | 2005320 | $X,XXX.XX A |
| XXXX |  | 2005319 | $X,XXX.XX A |
| XXXX |  | 1996164 | $X,XXX.XX A |
| XXXX |  | 2002045 | $X,XXX.XX C A B |
| XXXX |  | 1996163 | $X,XXX.XX A |
| XXXX |  | 2011822 | $X,XXX.XX A |
| XXXX |  | 2011831 | $X,XXX.XX A |
| XXXX |  | 2011833 | $X,XXX.XX A |
| XXXX |  | 1998504 | $X,XXX.XX A |
| XXXX |  | 1998499 | $X,XXX.XX A |
| XXXX |  | 1998503 | $X,XXX.XX A |
| XXXX |  | 1998501 | $X,XXX.XX A |
| XXXX |  | 2005318 | $X,XXX.XX A |
| XXXX |  | 1996168 | $X,XXX.XX D A |
| XXXX |  | 1996161 | $X,XXX.XX A |
| XXXX |  | 1996160 | $X,XXX.XX C A |
| XXXX |  | 2011829 | $X,XXX.XX C A B |
| XXXX |  | 2011835 | $X,XXX.XX A |
| XXXX |  | 2011823 | $X,XXX.XX A |
| XXXX |  | 2016516 | $X,XXX.XX A |
| XXXX |  | 2011826 | $X,XXX.XX A |
| XXXX |  | 2002041 | $X,XXX.XX A |
| XXXX |  | 2002040 | $X,XXX.XX A |
| XXXX |  | 2011825 | $X,XXX.XX A |
| XXXX |  | 2002038 | $X,XXX.XX A |
| XXXX |  | 2002037 | $X,XXX.XX A |
| XXXX |  | 2005314 | $X,XXX.XX A |
| XXXX |  | 2016517 | $X,XXX.XX A |
| XXXX |  | 2011828 | $X,XXX.XX A |
| XXXX |  | 2016513 | $X,XXX.XX A D |
| XXXX |  | 2011830 | $X,XXX.XX A D |
| XXXX |  | 2016514 | $X,XXX.XX A C |
| XXXX |  | 2011834 | $X,XXX.XX A |
| XXXX |  | 2016515 | $X,XXX.XX A |
| XXXX |  | 2016518 | $X,XXX.XX D A |

---

## Exhibit 99.42

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.42**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt 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 DTI/Residual Income Analysis Provided?** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX |  | 1993830 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2009704 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2009719 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2009722 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2020096 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2009721 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2020088 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2020086 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2002046 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2005320 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2005319 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| XXXX |  | 1996164 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2002045 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 1996163 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011822 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | Yes |  | Yes | Present |
| XXXX |  | 2011831 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011833 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 1998504 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 1998499 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 1998503 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 1998501 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2005318 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 1996168 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 1996161 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 1996160 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| XXXX |  | 2011829 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011835 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| XXXX |  | 2011823 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2016516 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011826 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2002041 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2002040 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011825 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2002038 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2002037 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2005314 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2016517 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| XXXX |  | 2011828 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| XXXX |  | 2016513 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011830 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2016514 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2011834 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2016515 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2016518 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.43

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.43**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** | **Maturity Date** |
| XXXX |  | 1993830 | DSCR | LFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Finance Corporation | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $3933.50 | No | $4889.88 | $407.49 | $2145.96 | $178.83 | $0.00 | $0.00 | $0.00 | $4519.82 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.283 | 1.283 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 331076.38 | 73.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2009704 | DSCR | LFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Finance Corporation Non-QM Purchasing and Underwriting Guidelines October 9 2024 | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $3769.00 | No | $5826.24 | $485.52 | $2208.96 | $184.08 | $0.00 | $0.00 | $0.00 | $4438.60 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.284 | 1.284 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 125277.71 | 28.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2009719 | DSCR | LFC Corr Non-QM Investor Elite DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Finance Corporation Non-QM Purchasing and Underwriting Guidelines October 9, 2024 | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $4390.33 | No | $4662.96 | $388.58 | $3848.04 | $320.67 | $0.00 | $0.00 | $0.00 | $5099.58 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.314 | 1.314 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 619705.95 | 128.9 | No | 59.99 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2009722 | DSCR | LFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Finance Corporation Non-QM Purchasing and Underwriting Guidelines October 9, 2024 | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $3453.38 | No | $9606.24 | $800.52 | $4110.12 | $342.51 | $0.00 | $0.00 | $0.00 | $4596.41 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.414 | 1.414 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 292711.78 | 63.7 | 292711.78 | 63.7 | No | 28.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2020096 | DSCR | LFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | Non-QM Purchasing and Underwriting Guidelines 04/08/2024 | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $1883.81 | No | $9013.20 | $751.10 | $4302.96 | $358.58 | $0.00 | $0.00 | $0.00 | $2993.49 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.009 | 1.009 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 166785.41 | 55.7 | 166785.41 | 55.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2009721 | DSCR | LFC Corr Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Finance Corporation Non-QM Purchasing and Underwriting Guidelines April 8 2024 | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $4244.74 | No | $4782.72 | $398.56 | $1266.96 | $105.58 | $0.00 | $0.00 | $0.00 | $4748.88 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.348 | 1.347 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11602.11 | 2.4 | 333667.62 | 70.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2020088 | DSCR | LFC Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | XXXX Finance Corporation Non-QM Purchasing and Underwriting Guidelines 4.8.2024 | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.374% | 7.374% | $3314.91 | No | $2240.16 | $186.68 | $381.00 | $31.75 | $2220.00 | $185.00 | $0.00 | $3718.34 |  | N/A | XXXX | NY | $185.00 | 05/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.022 | 1.022 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 457653.56 | 123.1 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2020086 | DSCR | LFC Non-QM Investor DSCR 30 Yr Fixed - EG | XXXX | No | Logan Finance Corporation Non-QM Purchasing and Underwriting Guidelines | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.499% | 7.499% | $1826.52 | No | $5659.56 | $471.63 | $2415.00 | $201.25 | $0.00 | $0.00 | $0.00 | $2499.40 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.04 | 1.04 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29810.87 | 11.9 | No | 55 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2002046 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V4 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1898.49 | No | $4755.00 | $396.25 | $2291.04 | $190.92 | $0.00 | $0.00 | $0.00 | $2485.66 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.086 | 1.086 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39894.69 | 16 | 61528.99 | 24.8 | No | 69.74 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2005320 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $4591.81 | No | $6225.12 | $518.76 | $816.12 | $68.01 | $0.00 | $0.00 | $0.00 | $5178.58 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.043 | 1.043 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 316196.56 | 61.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2005319 | XXXX 15 Investor DSCR - 30yr Fixed IO | XXXX 15 Investor DSCR - 30yr Fixed IO | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.000% | 7.000% | $6416.67 | No | $3104.04 | $258.67 | $2179.56 | $181.63 | $0.00 | $0.00 | $0.00 | $6856.97 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 - Not Stated Not Verified |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.125 | 2.12 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 769 | 672 | 650 | 669 |  |  |  | 669 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | XX | United States | XX/XX/XXXX | USA | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 292275.24 | 37.7 | No | 64.71 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XXXX Living Trust | XXXX and XXXX Living Trust | XXXX and XXXX Living Trust |  | XX/XX/XXXX |
| XXXX |  | 1996164 | XXXX 18 Investor DSCR - 30yr Fixed 5% PPP | XXXX 18 Investor DSCR - 30yr Fixed 5% PPP | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $2450.24 | No | $3278.16 | $273.18 | $2858.04 | $238.17 | $0.00 | $0.00 | $0.00 | $2961.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.14 | 1.14 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 160.21 | 0.1 | 315517.88 | 106.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2002045 | XXXX 15 Investor DSCR - 30yr Fixed 5%PPP | XXXX 15 Investor DSCR - 30yr Fixed 5%PPP | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $5308.45 | No | $13154.04 | $1096.17 | $2475.24 | $206.27 | $0.00 | $0.00 | $0.00 | $6610.89 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.089 | 1.089 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 124614.53 | 18.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 1996163 | XXXX 18 Investor DSCR - 30yr Fixed | XXXX 18 Investor DSCR - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $1353.06 | No | $4899.96 | $408.33 | $1460.52 | $121.71 | $0.00 | $0.00 | $0.00 | $1883.10 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.593 | 1.593 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 101974.39 | 54.2 | 101974.39 | 54.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011822 | XXXX - 18 Foreign National 5% Fixed PPP 30 YR Fixed | XXXX - 18 Foreign National 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $3148.65 | No | $10941.96 | $911.83 | $2283.72 | $190.31 | $2208.00 | $184.00 | $0.00 | $4434.79 |  | Yes | XXXX | FL | $184.00 | 06/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.789 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | N/A | Brazil | XX/XX/XXXX | XXXX | XX/XX/XXXX | I-551 Stamp and Passport |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | Bank / Credit Reference | 35765.56 | 8.1 | 64686.56 | 14.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011831 | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1191.41 | No | $3264.12 | $272.01 | $1280.76 | $106.73 | $0.00 | $0.00 | $0.00 | $1570.15 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.21 | 1.21 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 161390.03 | 102.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011833 | XXXX 15 Investor DSCR - 30yr Fixed | XXXX 15 Investor DSCR - 30yr Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 | XXXX | XX/XX/XXXX | V5 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1909.42 | No | $9167.16 | $763.93 | $3143.64 | $261.97 | $444.96 | $37.08 | $0.00 | $2972.40 |  | N/A | XXXX | TX | $37.08 | 05/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 264983.97 | 89.2 | No | 73.97 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 1998504 | XXXX 10 Investor DSCR - 30yr Fixed | XXXX 10 Investor DSCR - 30yr Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1716.97 | No | $5274.60 | $439.55 | $1958.28 | $163.19 | $0.00 | $0.00 | $0.00 | $2319.71 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.016 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53700.59 | 23.2 | 53700.59 | 23.2 | No | 72.2 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 1998499 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $798.50 | No | $508.20 | $42.35 | $1882.08 | $156.84 | $0.00 | $0.00 | $0.00 | $997.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.203 | 1.203 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 89490.44 | 89.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 1998503 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $666.99 | No | $650.28 | $54.19 | $1543.56 | $128.63 | $0.00 | $0.00 | $0.00 | $849.81 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 82126.65 | 96.6 | No | 64.93 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 1998501 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $599.85 | No | $456.72 | $38.06 | $1441.08 | $120.09 | $0.00 | $0.00 | $0.00 | $758.00 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.121 | 1.121 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72593.17 | 95.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2005318 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $691.57 | No | $1827.96 | $152.33 | $678.00 | $56.50 | $0.00 | $0.00 | $0.00 | $900.40 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.533 | 1.532 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | SC | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 57382.91 | 63.7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 1996168 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $3910.94 | No | $11124.36 | $927.03 | $1920.00 | $160.00 | $0.00 | $0.00 | $0.00 | $4997.97 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.06 | 1.06 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 82816.33 | 16.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 1996161 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2558.16 | No | $14000.04 | $1166.67 | $2588.04 | $215.67 | $0.00 | $0.00 | $0.00 | $3940.50 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.142 | 1.142 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 351682.71 | 89.3 | No | 44.75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 1996160 | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $13377.30 | No | $19797.84 | $1649.82 | $4263.96 | $355.33 | $0.00 | $0.00 | $0.00 | $15382.45 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.047 | 1.047 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 139483.81 | 9.1 | 274843.88 | 17.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011829 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $621.36 | No | $1518.00 | $126.50 | $1518.00 | $126.50 | $0.00 | $0.00 | $0.00 | $874.36 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.304 | 1.284 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 73661.23 | 84.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011835 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $2686.55 | No | $7257.84 | $604.82 | $1467.96 | $122.33 | $0.00 | $0.00 | $0.00 | $3413.70 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.069 | 1.072 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 64279.62 | 18.8 | 64279.62 | 18.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011823 | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $3891.59 | No | $4511.88 | $375.99 | $4000.68 | $333.39 | $0.00 | $0.00 | $0.00 | $4600.97 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.402 | 1.346 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 50650.56 | 11 | No | 74.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | X XXXX Trust |  |  |  | XX/XX/XXXX |
| XXXX |  | 2016516 | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $3761.16 | No | $13939.20 | $1161.60 | $5345.64 | $445.47 | $0.00 | $0.00 | $0.00 | $5368.23 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.453 | 1.437 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37499.20 | 7 | 37499.20 | 7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011826 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $711.33 | No | $7224.36 | $602.03 | $1548.00 | $129.00 | $0.00 | $0.00 | $0.00 | $1442.36 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.179 | 1.179 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16031.58 | 11.1 | 16031.58 | 11.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2002041 | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1604.22 | No | $2787.72 | $232.31 | $2481.00 | $206.75 | $0.00 | $0.00 | $0.00 | $2043.28 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.028 | 1.028 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 211151.21 | 103.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2002040 | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1821.27 | No | $3825.24 | $318.77 | $2297.28 | $191.44 | $0.00 | $0.00 | $0.00 | $2331.48 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.029 | 1.026 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 48418.61 | 20.8 | 48418.61 | 20.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011825 | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1609.48 | No | $7533.72 | $627.81 | $1692.12 | $141.01 | $0.00 | $0.00 | $0.00 | $2378.30 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.219 | 1.219 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37296.78 | 15.7 | 37296.78 | 15.7 | No | 61.25 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2002038 | XXXX -18 Investor DSCR 1% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 1% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2097.64 | No | $2904.00 | $242.00 | $1364.04 | $113.67 | $0.00 | $0.00 | $0.00 | $2453.31 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.345 | 1.345 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 101044.10 | 41.2 | No | 73.17 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2002037 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $726.62 | No | $3439.44 | $286.62 | $1125.00 | $93.75 | $0.00 | $0.00 | $0.00 | $1106.99 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.626 | 1.626 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WI | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 40408.36 | 36.5 | No | 63 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2005314 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide 20240819 | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1028.38 | No | $2515.08 | $209.59 | $1030.20 | $85.85 | $0.00 | $0.00 | $0.00 | $1323.82 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.284 | 1.284 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 51970.19 | 40 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2016517 | XXXX 18 Investor DSCR 5% Fixed PPP 5/6 ARM | XXXX 18 Investor DSCR 5% Fixed PPP 5/6 ARM | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $2420.04 | No | $6545.40 | $545.45 | $4493.04 | $374.42 | $0.00 | $0.00 | $0.00 | $3339.91 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.293 | 1.293 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33363.27 | 10 | 33363.27 | 10 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011828 | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 | XXXX | XX/XX/XXXX | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1925.91 | No | $2196.96 | $183.08 | $1410.96 | $117.58 | $699.96 | $58.33 | $0.00 | $2284.90 |  | Yes | XXXX | TN | $58.33 | 05/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.383 | 2.355 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 169499.30 | 74.2 | 169499.30 | 74.2 | No | 46.27 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2016513 | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1417.31 | No | $6792.00 | $566.00 | $855.00 | $71.25 | $3000.00 | $250.00 | $0.00 | $2304.56 |  | N/A | XXXX | IL | $250.00 | 06/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.316 | 1.007 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26671.43 | 11.6 | 26671.43 | 11.6 | No | 66.9 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011830 | XXXX 18 Investor DSCR 5% Fixed PPP 40 YR Fixed IO | XXXX 18 Investor DSCR 5% Fixed PPP 40 YR Fixed IO | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1536.46 | No | $8119.32 | $676.61 | $2738.04 | $228.17 | $0.00 | $0.00 | $0.00 | $2441.24 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 193286.86 | 79.2 | No | 38.46 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2016514 | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1299.69 | No | $6336.00 | $528.00 | $954.00 | $79.50 | $0.00 | $0.00 | $0.00 | $1907.19 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.049 | 1.061 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 160660.48 | 84.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2011834 | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2769.64 | No | $10700.76 | $891.73 | $1380.00 | $115.00 | $0.00 | $0.00 | $0.00 | $3776.37 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.192 | 1.129 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 384316.85 | 101.8 | No | 61.05 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2016515 | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | NonQM Underwriting and Sales Guide | XXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $823.68 | No | $2176.44 | $181.37 | $1634.40 | $136.20 | $0.00 | $0.00 | $0.00 | $1141.25 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.752 | 1.731 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 275733.56 | 241.6 | 275733.56 | 241.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |
| XXXX |  | 2016518 | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | XXXX | No | XXXX XXXX XXXX XXXX - NonQM Underwriting and Sales Guide 20240819 - Master | XXXX | XX/XX/XXXX | V3 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $1316.37 | No | $5737.20 | $478.10 | $1488.00 | $124.00 | $0.00 | $0.00 | $0.00 | $1918.47 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.303 | 1.254 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 160759.58 | 83.8 | 160759.58 | 83.8 | No | 67.41 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  | XX/XX/XXXX |

---

## Exhibit 99.44

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.44**

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| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX |  | 1993830 | XXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 5800 | Appraisal - 1025 |  |  |  |  | 5800 | Appraisal - 1025 | No | 77.93 | 1.283 | 1.283 | 4519.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 5800 |  |  |  |  |  |  |  | No | 9.9 | 1 | 1 | N/A | 73.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2009704 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 6400 | 5700 | Appraisal - 1025 |  | N/A |  |  | 5700 | Appraisal - 1025 | No | 77.87 | 1.284 | 1.284 | 4438.6 | 2500 | XX/XX/XXXX | 12 | 3900 | XX/XX/XXXX | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 76400 |  |  |  | 5700 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 28.22 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2009719 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 7200 | 7700 | Appraisal - 1025 |  |  |  |  | 6700 | Actual In Place Rent | No | 70.83 | 1.314 | 1.314 | 5099.58 | 2700 | XX/XX/XXXX | 12 | 4500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 7200 |  |  |  |  |  |  | No | No | 8.8 | 1 | 1 | N/A | 128.89 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2009722 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 6500 | 7400 | Appraisal - 1025 |  |  |  |  | 7400 | Appraisal - 1025 | No | 62.11 | 1.414 | 1.414 | 4596.41 | 6500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 7400 |  |  |  |  |  |  | No | No | 5.8 | 1 | 1 | N/A | 63.68 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2020096 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 3187 | 3020 | Appraisal - Narrative |  | N/A |  |  | 3020 | Appraisal - Narrative | No | 99.12 | 1.009 | 1.009 | 2993.49 | 825 | XX/XX/XXXX | 1 | 762 | XX/XX/XXXX | 12 | 850 | XX/XX/XXXX | 1 | 750 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 70800 |  |  |  | 3020 |  |  |  |  |  |  | No | No | 6.8 | 1 | 1 | N/A | 55.72 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2009721 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 6400 | 6400 | Appraisal - 1025 |  | N/A |  |  | 6400 | Appraisal - 1025 | No | 74.2 | 1.347 | 1.348 | 4748.88 | 3300 | XX/XX/XXXX | 12 | 3100 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38501 |  |  |  | 6400 |  |  |  |  |  |  | No | No | 5.5 | 1 | 1 | N/A | 70.26 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2020088 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 4100 | 3800 | Appraisal - 1007 |  |  |  |  | 3800 | Appraisal - 1007 | No | 97.85 | 1.022 | 1.022 | 3718.34 | 4100 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  |  |  | 3800 |  |  |  |  |  |  | No | No | 2.9 | 1 | 1 | N/A | 123.08 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2020086 | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 2600 | 3300 | Appraisal - 1007 |  |  |  |  | 2600 | Actual In Place Rent | No | 96.13 | 1.04 | 1.04 | 2499.4 | 2600 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33690 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 11.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2002046 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2700 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 92.06 | 1.086 | 1.086 | 2485.66 | 2700 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32400 |  |  |  | 2700 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 24.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2005320 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 4500 | 5400 | Appraisal - 1007 |  | N/A |  |  | 5400 | Appraisal - 1007 | No | 95.9 | 1.043 | 1.043 | 5178.58 | 4500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55250 |  |  |  | 5400 |  |  |  |  |  |  | No | No | 5.6 | 1 | 1 | N/A | 61.06 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2005319 | XXXX | XXXX 15 Investor DSCR - 30yr Fixed IO | Debt Service Coverage Ratio | Present | Yes | 14570 | 15000 | Appraisal - 1007 |  |  |  |  | 14570 | Actual In Place Rent | No | 47.06 | 2.12 | 2.125 | 6856.97 | 14570 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 58100 |  |  |  | 14570 |  |  |  |  |  |  | No | No | 7.2 | 1 | 1 | N/A | 37.67 | No |  |  | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse |  |
| XXXX |  | 1996164 | XXXX | XXXX 18 Investor DSCR - 30yr Fixed 5% PPP | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 3375 | Appraisal - 1007 |  |  |  |  | 3375 | Appraisal - 1007 | No | 87.75 | 1.14 | 1.14 | 2961.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49900 |  |  |  | 3375 |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 106.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2002045 | XXXX | XXXX 15 Investor DSCR - 30yr Fixed 5%PPP | Debt Service Coverage Ratio | Present | Yes | 7850 | 7200 | Appraisal - 1007 |  |  |  |  | 7200 | Appraisal - 1007 | No | 91.82 | 1.089 | 1.089 | 6610.89 | 7850 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 63100 |  |  |  | 7200 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 18.85 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 1996163 | XXXX | XXXX 18 Investor DSCR - 30yr Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 3000 | Appraisal - 1025 |  |  |  |  | 3000 | Appraisal - 1025 | No | 62.77 | 1.593 | 1.593 | 1883.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42500 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 54.15 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2011822 | XXXX | XXXX - 18 Foreign National 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  |  |  |  | 3500 | Appraisal - 1007 | No | 126.71 | 1 | 0.789 | 4434.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45500 |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | Bank / Credit Reference | 14.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2011831 | XXXX | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1900 | 1600 | Appraisal - 1007 |  |  |  |  | 1900 | Actual In Place Rent | No | 82.64 | 1.21 | 1.21 | 1570.15 | 1900 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  | 1900 |  |  |  |  |  |  | No | No | 6.5 | 1 | 1 | N/A | 102.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2011833 | XXXX | XXXX 15 Investor DSCR - 30yr Fixed | Debt Service Coverage Ratio | Present | Yes | 2966 | 2975 | Appraisal - 1007 |  |  |  |  | 2975 | Appraisal - 1007 | No | 99.91 | 1.001 | 1.001 | 2972.4 | 2966 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17850 |  |  |  | 2975 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 89.15 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 1998504 | XXXX | XXXX 10 Investor DSCR - 30yr Fixed | Debt Service Coverage Ratio | Present | Yes | 2200 | 2325 | Appraisal - 1025 |  |  |  |  | 2325 | Appraisal - 1025 | No | 99.77 | 1.016 | 1.002 | 2319.71 | 850 | XX/XX/XXXX | 12 | 1350 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 2325 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 23.15 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 1998499 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 1200 | Appraisal - 1007 |  |  |  |  | 1200 | Appraisal - 1007 | No | 83.14 | 1.203 | 1.203 | 997.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14520 |  |  |  | 1200 |  |  |  |  |  |  |  | No | 3.8 | 1 | 1 | N/A | 89.7 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 1998503 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 850 | 850 | Appraisal - 1007 |  |  |  |  | 850 | Actual In Place Rent | No | 99.98 | 1 | 1 | 849.81 | 850 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10197.72 |  |  |  | 850 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 96.64 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 1998501 | XXXX | XXXX-18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 850 | 1000 | Appraisal - 1007 |  |  |  |  | 850 | Actual In Place Rent | No | 89.18 | 1.121 | 1.121 | 758 | 850 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9095.88 |  |  |  | 850 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 95.77 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2005318 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1400 | 1150 | Appraisal - 1007 |  |  |  |  | 1400 | Actual In Place Rent | No | 64.31 | 1.532 | 1.533 | 900.4 | 1400 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16800 |  |  |  | 1400 |  |  |  |  |  |  | No | No | 18.2 | 1 | 1 | N/A | 63.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 1996168 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 5300 | 5000 | Appraisal - 1007 |  |  |  |  | 5300 | Actual In Place Rent | No | 94.3 | 1.06 | 1.06 | 4997.97 | 5300 | XX/XX/XXXX | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  |  |  | 5300 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 16.57 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 1996161 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 4500 | 6250 | Appraisal - 1007 |  | N/A |  | 100.00% | 4500 | Actual In Place Rent | No | 87.57 | 1.142 | 1.142 | 3940.5 | 4500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 126254.8 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 7.9 | 1 | 1 | N/A | 89.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 1996160 | XXXX | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 8395 | 16100 | Appraisal - 1025 |  | N/A |  |  | 16100 | Appraisal - 1025 | No | 95.54 | 1.047 | 1.047 | 15382.45 | 4100 | XX/XX/XXXX | 12 | 0 | XX/XX/XXXX | 12 | 0 | XX/XX/XXXX | 12 | 4295 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 110000 |  |  |  | 16100 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 17.87 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2011829 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1150 | 950 | Appraisal - 1025 |  |  |  |  | 1150 | Actual In Place Rent | No | 76.03 | 1.284 | 1.304 | 874.36 | 600 | XX/XX/XXXX | 12 | 550 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20100 |  |  |  | 1150 |  |  |  |  |  |  | No | No | 4 | 1 | 1 | N/A | 84.25 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2011835 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 3300 | 3650 | Appraisal - 1025 |  |  |  |  | 3650 | Appraisal - 1025 | No | 93.53 | 1.072 | 1.069 | 3413.7 | 1700 | XX/XX/XXXX | 12 | 1600 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  | 3650 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 18.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX |  | 2011823 | XXXX | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 6450 | 8100 | Appraisal - 1025 |  |  |  |  | 6450 | Actual In Place Rent | No | 71.33 | 1.346 | 1.402 | 4600.97 | 2100 | XX/XX/XXXX | 1 | 2250 | XX/XX/XXXX | 12 | 2100 | XX/XX/XXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 107700 |  |  |  | 6450 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 11.01 | No |  |  | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| XXXX |  | 2016516 | XXXX | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 7800 | 7600 | Appraisal - 1007 |  | N/A |  |  | 7800 | Actual In Place Rent | No | 68.82 | 1.437 | 1.453 | 5368.23 | 3200 | XX/XX/XXXX | 12 | 2800 | XX/XX/XXXX | 12 | 1800 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 7800 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 6.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2011826 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 1700 | Appraisal - 1025 |  |  |  |  | 1700 | Appraisal - 1025 | No | 84.84 | 1.179 | 1.179 | 1442.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43000 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.12 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2002041 | XXXX | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 97.3 | 1.028 | 1.028 | 2043.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 103.34 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2002040 | XXXX | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2500 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 97.15 | 1.026 | 1.029 | 2331.48 | 2500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28057.8 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 20.77 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2011825 | XXXX | XXXX - 18 Investor DSCR 6Mo Interest 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 82.01 | 1.219 | 1.219 | 2378.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36560 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 15.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2002038 | XXXX | XXXX -18 Investor DSCR 1% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1025 |  |  |  |  | 3300 | Appraisal - 1025 | No | 74.34 | 1.345 | 1.345 | 2453.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39600 |  |  |  | 3300 |  |  |  |  |  |  |  | No | 4.2 | 1 | 1 | N/A | 41.19 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2002037 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1800 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Actual In Place Rent | No | 61.5 | 1.626 | 1.626 | 1106.99 | 1800 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25500 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 36.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2005314 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2000 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Appraisal - 1007 | No | 77.87 | 1.284 | 1.284 | 1323.82 | 2000 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19100 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 2.6 | 1 | 1 | N/A | 40.01 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2016517 | XXXX | XXXX 18 Investor DSCR 5% Fixed PPP 5/6 ARM | Debt Service Coverage Ratio | Present | Yes | 3600 | 4320 | Appraisal - 1025 |  |  |  |  | 4320 | Appraisal - 1025 | No | 77.31 | 1.293 | 1.293 | 3339.91 | 1900 | XX/XX/XXXX | 12 | 1700 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 353100 |  |  |  | 4320 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 9.99 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2011828 | XXXX | XXXX -18 Investor DSCR Declining PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 5445 | Appraisal - 1007 |  | N/A |  |  | 5445 | Appraisal - 1007 | No | 41.96 | 2.355 | 2.383 | 2284.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80000 |  |  |  | 5445 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 74.18 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2016513 | XXXX | XXXX -18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 3033 | Missing |  |  |  |  | 3033 | Missing | No | 75.98 | 1.007 | 1.316 | 2304.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3033 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.57 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2011830 | XXXX | XXXX 18 Investor DSCR 5% Fixed PPP 40 YR Fixed IO | Debt Service Coverage Ratio | Present | No | 0 | 2450 | Appraisal - 1007 |  | N/A |  |  | 2450 | Appraisal - 1007 | No | 99.64 | 1.004 | 1.004 | 2441.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29682 |  |  |  | 2450 |  |  |  |  |  |  |  | No | 14 | 1 | 1 | N/A | 79.18 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| XXXX |  | 2016514 | XXXX | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 95.36 | 1.061 | 1.049 | 1907.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 84000 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 84.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2011834 | XXXX | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 4500 | 4200 | Appraisal - 1007 |  |  |  |  | 4500 | Actual In Place Rent | No | 83.92 | 1.129 | 1.192 | 3776.37 | 4500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 84500 |  |  |  | 4500 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 101.77 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2016515 | XXXX | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 1053 | 2000 | Appraisal - 1025 |  |  |  |  | 2000 | Appraisal - 1025 | No | 57.06 | 1.731 | 1.752 | 1141.25 | 1053 | XX/XX/XXXX | 12 | 0 | XX/XX/XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25200 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 241.61 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX |  | 2016518 | XXXX | XXXX 18 Investor DSCR 5% Fixed PPP 30 YR Fixed | Debt Service Coverage Ratio | Present | Yes | 2500 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Actual In Place Rent | No | 76.74 | 1.254 | 1.303 | 1918.47 | 2500 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 83.8 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.45

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.45**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX |  | 1993830 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2009704 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2009719 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 59.99 | 59.99 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2009722 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 28.57 | 28.57 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2020096 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2009721 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2020088 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2020086 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 55.0 | 55.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2002046 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 69.74 | 69.74 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2005320 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2005319 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 64.71 | 64.71 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 1996164 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2002045 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.5 |
| XXXX |  | 1996163 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011822 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011831 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2011833 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 73.97 | 73.97 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 1998504 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 72.2 | 72.2 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 1998499 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 1998503 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 64.93 | 64.93 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 1998501 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2005318 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 65.0 | 65.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 1996168 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 1996161 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 44.75 | 44.75 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 1996160 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 70.0 | 70.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | Clear Capital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011829 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011835 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011823 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 74.91 | 74.91 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2016516 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011826 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | $X,XXX.XX | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2002041 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2002040 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 2.5 |
| XXXX |  | 2011825 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 61.25 | 61.25 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.2 |
| XXXX |  | 2002038 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 73.17 | 73.17 | XX/XX/XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2002037 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 63.0 | 63.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1.8 |
| XXXX |  | 2005314 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | -.0796 | Clear Capital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2016517 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | .0000 | Clearcapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011828 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 46.27 | 46.27 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2016513 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1073 Individual Condo Report | $X,XXX.XX | $X,XXX.XX | 66.9 | 66.9 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2011830 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 38.46 | 38.46 | XX/XX/XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | ClearCapital | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2016514 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 75.0 | 75.0 | XX/XX/XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | ClearCapital | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2011834 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 61.05 | 61.05 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |
| XXXX |  | 2016515 | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1025 Small Residential Income Report | $X,XXX.XX | $X,XXX.XX | 80.0 | 80.0 | XX/XX/XXXX | AVE/CMA | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX |  |  |  |  |  | .0000 | Clearcapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 2016518 | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | $X,XXX.XX | 67.41 | 67.41 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 |

---

## Exhibit 99.46

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.46**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Alt Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 1993830 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXX |  | 1993830 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2009704 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXX |  | 2009704 | XXXX | Borrower 1 Last Name | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX |  | 2009704 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | Audit Value Pulled From Appraisal |
| XXXX |  | 2009704 | XXXX | Prepayment Penalty Total Term | notePage | 12 | 3 Years | Audit Value Pulled From Note. |
| XXXX |  | 2009719 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXX |  | 2009719 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2009719 | XXXX | Qualifying CLTV | propertyValuationPage | 59.99 | 49.97 | Audit Value of 1st + 2nd lien / Qualifying Value $X,XXX.XX |
| XXXX |  | 2009719 | XXXX | Qualifying LTV | propertyValuationPage | 59.99 | 49.97 | Audit Value of Subject Lien / Qualifying Value $X,XXX.XX |
| XXXX |  | 2009722 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Valued Pulled from 1008 |
| XXXX |  | 2009722 | XXXX | Final Qualifying Property Value | propertyValuationPage | Per Audit | Per Tape | Audit Value Pulled from Appraisal |
| XXXX |  | 2020096 | XXXX | Loan Type | the1003Page | DSCR | Other | Audit Value Pulled From 1008. |
| XXXX |  | 2020096 | XXXX | Loan Purpose | the1003Page | Refinance | Cash-Out Refi | Audit Value Pulled From Final 1003. |
| XXXX |  | 2020096 | XXXX | Note Date | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| XXXX |  | 2009721 | XXXX | Loan Type | the1003Page | DSCR | Other | Audit Value Pulled From 1008. |
| XXXX |  | 2009721 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2020088 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXX |  | 2020086 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled from 1008 |
| XXXX |  | 1996163 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011831 | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from appraisal. |
| XXXX |  | 2011833 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 1996160 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011829 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011835 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011823 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2016516 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011826 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2002038 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2016517 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011834 | XXXX | Property Value | propertyValuationPage | Per Audit | Per Tape | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011834 | XXXX | Qualifying LTV | propertyValuationPage | 61.05 | 70.00 | Audit Value of Subject Lien / Qualifying Value |
| XXXX |  | 2011834 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Attached | Audit Value Pulled From Appraisal. |
| XXXX |  | 2011834 | XXXX | Qualifying CLTV | propertyValuationPage | 61.05 | 70.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXX |  | 2016515 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |

---

## Exhibit 99.47

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.47**

![](ex9947001.jpg)

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

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Management Group, LLC ("Client"). The review was conducted between April 2024 and May 2025, via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 78 ATR-QM exempt loans for a total of 78 loans the "Final Securitization Population".

*<u>Credit Reviews (78):</u>*

During the Review, Selene performed a credit review on 78 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (78)</u>*

During the Review, Selene performed a compliance review, when applicable on 78 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (78):</u>*

During the Review, Selene performed a property valuation review on 78 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (78):</u>*

During the Review, Selene performed a Data Integrity Review on 78 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 78 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;78 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;78 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;78 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;78 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P") (the "NRSRO(s)").

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

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

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

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

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Loan Eligibility Guidelines and Kind Lending Non-Agency Program Guidelines (the "Guidelines").

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

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

Page **2** of **10**

**<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 and B, 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;

&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 such as the promissory note and security instrument.

**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.

Page **3** of **10**

**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.

**<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 78 mortgage loans, (ii) a Compliance Review on 78 mortgage loans (iii) a Valuation Review on 78 mortgage loans, and (iv) a Data Integrity Review on 78 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 78 mortgage loans; 47 mortgage loans had a rating grade of A, 31 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;***Grades per loan (78 overall loans):*** | &nbsp;&nbsp;***Grades per loan (78 overall loans):*** | &nbsp;&nbsp;***Grades per loan (78 overall loans):*** | &nbsp;&nbsp;***Grades per loan (78 overall loans):*** | &nbsp;&nbsp;***Grades per loan (78 overall loans):*** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;14 | &nbsp;&nbsp;17.95% | &nbsp;&nbsp;A | &nbsp;&nbsp;47 | &nbsp;&nbsp;60.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.13% | &nbsp;&nbsp;B | &nbsp;&nbsp;31 | &nbsp;&nbsp;39.74% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;24 | &nbsp;&nbsp;30.77% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;36 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **10**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;75 | &nbsp;&nbsp;96.15% | &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;64.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;35.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;77 | &nbsp;&nbsp;98.72% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.28% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |

---

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

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

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are 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.

Page **5** of **10**

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

Selene furnished the following reports on this transaction:

1. Selene
Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **10**

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

Page **7** of **10**

**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;

Page **8** of **10**

&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.

Page **9** of **10**

**APPENDIX B – VALUATION REVIEW SCOPE**

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

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

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

Disclaimer

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

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

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

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **10** of **10**

## Exhibit 99.48

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.48**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1790420 |  | XXXX | XXXX C A |
| 2007422 |  | XXXX | XXXX C A |
| 1973082 |  | XXXX | XXXX C A B |
| 2000693 |  | XXXX | XXXX D A B |
| 2000682 |  | XXXX | XXXX D A B |
| 2016420 |  | XXXX | XXXX A |
| 2013477 |  | XXXX | XXXX D A |
| 1995584 |  | XXXX | XXXX A |
| 1995595 |  | XXXX | XXXX A D |
| 2020212 |  | XXXX | XXXX D A B |
| 1995598 |  | XXXX | XXXX C D A B |
| 1995585 |  | XXXX | XXXX D A B |
| 2013457 |  | XXXX | XXXX C A B |
| 1996202 |  | XXXX | XXXX C A B |
| 2016450 |  | XXXX | XXXX D C A B |
| 2016449 |  | XXXX | XXXX C D A B |
| 2007425 |  | XXXX | XXXX C A |
| 2013478 |  | XXXX | XXXX D A B |
| 2000690 |  | XXXX | XXXX A B |
| 2007429 |  | XXXX | XXXX C A |
| 2000687 |  | XXXX | XXXX A |
| 2007432 |  | XXXX | XXXX C A |
| 2007418 |  | XXXX | XXXX C A |
| 2007416 |  | XXXX | XXXX A B |
| 2007427 |  | XXXX | XXXX D A B |
| 2007419 |  | XXXX | XXXX C D A |
| 2013458 |  | XXXX | XXXX C A B |
| 2013461 |  | XXXX | XXXX C A |
| 2007431 |  | XXXX | XXXX A |
| 2013480 |  | XXXX | XXXX C B A |
| 2007413 |  | XXXX | XXXX C A |
| 2007414 |  | XXXX | XXXX A |
| 2013468 |  | XXXX | XXXX C A B |
| 2013472 |  | XXXX | XXXX D A |
| 2016421 |  | XXXX | XXXX C A B |
| 2013467 |  | XXXX | XXXX C D A B |
| 2013473 |  | XXXX | XXXX B A |
| 2013479 |  | XXXX | XXXX D A C B |
| 2013470 |  | XXXX | XXXX A |
| 2013475 |  | XXXX | XXXX A |
| 2016444 |  | XXXX | XXXX A |
| 2013465 |  | XXXX | XXXX A |
| 2018539 |  | XXXX | XXXX C A |
| 2013463 |  | XXXX | XXXX A |
| 2013474 |  | XXXX | XXXX B A |
| 2013481 |  | XXXX | XXXX D A |
| 2013471 |  | XXXX | XXXX A |
| 2013464 |  | XXXX | XXXX A |
| 2016431 |  | XXXX | XXXX A D |
| 2013460 |  | XXXX | XXXX C A B |
| 2016441 |  | XXXX | XXXX D A |
| 2013462 |  | XXXX | XXXX A D |
| 2018534 |  | XXXX | XXXX C D A |
| 2018535 |  | XXXX | XXXX C D A |
| 2018537 |  | XXXX | XXXX C D A |
| 2018547 |  | XXXX | XXXX C D A |
| 2016447 |  | XXXX | XXXX D A B |
| 2018548 |  | XXXX | XXXX C A |
| 2018542 |  | XXXX | XXXX C D A |
| 2018538 |  | XXXX | XXXX D A |
| 2018544 |  | XXXX | XXXX C D A |
| 2018540 |  | XXXX | XXXX C D A |
| 2018546 |  | XXXX | XXXX D A |
| 2016442 |  | XXXX | XXXX A |
| 2018545 |  | XXXX | XXXX D A |
| 2016426 |  | XXXX | XXXX D A B |
| 2016427 |  | XXXX | XXXX D A |
| 2016448 |  | XXXX | XXXX D A B |
| 2016425 |  | XXXX | XXXX D A B |
| 2016435 |  | XXXX | XXXX C A B |
| 2016430 |  | XXXX | XXXX D A |
| 2016432 |  | XXXX | XXXX C A |
| 2016434 |  | XXXX | XXXX C A |
| 2016428 |  | XXXX | XXXX C A B |
| 2016429 |  | XXXX | XXXX C A B |
| 2016424 |  | XXXX | XXXX C A |
| 2016422 |  | XXXX | XXXX A |
| 2016433 |  | XXXX | XXXX D A B |

---

## Exhibit 99.49

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.49**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 1790420 |  |  | Closed | 2024-04-02 11:22 | 2024-04-05 05:24 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-We do not require access to the account as they are in the name of borrower only XXXX - POD (payable on Death to XXXX). - Due Diligence Vendor-04/05/2024 <br> Ready for Review-the accounts are in the name of our borrower only XXXX - POD (payable on Death to XXXX) they do not have access to the account - Buyer-04/04/2024 <br> Open-Provided saving and checking accounts showing two names, hence we required Access letter. Access letter is missing in File, please provide. - Due Diligence Vendor-04/02/2024 |  | Resolved-We do not require access to the account as they are in the name of borrower only XXXX - POD (payable on Death to XXXX). - Due Diligence Vendor-04/05/2024 |  |  |  | TX | Investment | Purchase | NA | 1541840 | N/A | N/A |
| XXXX | 2007422 |  |  | Closed | 2025-01-06 13:04 | 2025-01-17 18:28 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Document received, data updated - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/15/2025 <br>Counter-Please upload again, it did not save - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/13/2025 <br>Open-Please provide Business Entity EIN. - Due Diligence Vendor-01/06/2025 |  | Resolved-Document received, data updated - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 3141868 | N/A | N/A |
| XXXX | 2007422 |  |  | Closed | 2025-01-06 11:32 | 2025-01-15 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/15/2025 <br>Resolved-Document received, data confirmed - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. Property was inherited - see documents to support - Buyer-01/13/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Please clarify the housing history for the current primary residence to get 12 months for housing history. Property report for primary residence does not list borrower. Page 640 - Due Diligence Vendor-01/06/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/15/2025 <br>Resolved-Document received, data confirmed - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 3141443 | N/A | N/A |
| XXXX | 1973082 |  |  | Closed | 2025-02-14 16:01 | 2025-04-04 14:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Investor approved - Due Diligence Vendor-04/04/2025 <br> Open-Please provide 30 days of bank statements per general requirements of XXXX matrix - Due Diligence Vendor-02/14/2025 |  | Waived-Investor approved - Due Diligence Vendor-04/04/2025<br>|  |  | DSCR is 1.002. Minimum required per guidelines is 1.<br> Borrower(s) have 111.23 months Reserves. Minimum required per guidelines is 9 months. From cash out<br> LTV is 60.61%. Maximum allowed per guidelines is 70%.<br> S/E 2 yrs - DSCR – formation 02/13/2023<br> 0 x 30 at 21 months - primary is in spouses name. | MA | Investment | Refinance | Cash Out - Other | 3425566 | Originator Post-Close | Yes |
| XXXX | 1973082 |  |  | Closed | 2025-01-23 00:02 | 2025-04-04 14:30 | Waived | 2 - Non-Material C B | Credit | Credit | Deficient subject rental income documentation. | Waived-Investor approved - Due Diligence Vendor-04/04/2025 <br>Counter-Thank you. The loan was received as a Platinum Advantage which calculates DSCR on average actual rental income over 12 months according to matrix - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Loan is DSCR - NO income documentation - no rental income was used - Seller-02/12/2025 <br>Open-Please provide 12 months rental history per matrix for short term rental. DSCR calculated on average actual rental income over 12 months. - Due Diligence Vendor-01/23/2025 | Ready for Review-Loan is DSCR - NO income documentation - no rental income was used - Seller-02/12/2025<br>| Waived-Investor approved - Due Diligence Vendor-04/04/2025<br>|  |  | DSCR is 1.002. Minimum required per guidelines is 1.<br> Borrower(s) have 111.23 months Reserves. Minimum required per guidelines is 9 months. From cash out<br> LTV is 60.61%. Maximum allowed per guidelines is 70%.<br> S/E 2 yrs - DSCR – formation 02/13/2023<br> 0 x 30 at 21 months - primary is in spouses name. | MA | Investment | Refinance | Cash Out - Other | 3259396 | Originator Post-Close | Yes |
| XXXX | 1973082 |  |  | Closed | 2025-01-22 23:34 | 2025-04-04 14:29 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Investor accepted through e-mail. - Due Diligence Vendor-02/19/2025 <br>Counter-Please provide additional comp factors as DSCR is 1 and reserves are coming from cash out. - Due Diligence Vendor-02/14/2025 <br>Waived-Cash out > $1 million. Max cash out $1,000,000 - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/12/2025 <br>Open-Cash Out is not completed according to the guideline requirements Cash out exceeds maximum - Due Diligence Vendor-01/22/2025 |  | Waived-Investor accepted through e-mail. - Due Diligence Vendor-02/19/2025 <br>Waived-Cash out > $1 million. Max cash out $1,000,000 - Due Diligence Vendor-02/14/2025<br>| XXXX |  | DSCR is 1.002. Minimum required per guidelines is 1.<br> Borrower(s) have 111.23 months Reserves. Minimum required per guidelines is 9 months. From cash out<br> LTV is 60.61%. Maximum allowed per guidelines is 70%.<br> S/E 2 yrs - DSCR – formation 02/13/2023<br> 0 x 30 at 21 months - primary is in spouses name. | MA | Investment | Refinance | Cash Out - Other | 3259292 | Originator Post-Close | Yes |
| XXXX | 1973082 |  |  | Closed | 2025-01-21 16:30 | 2025-04-04 14:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception Provided:<br> Lack of Tradelines - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/12/2025 <br>Open-As per Credit report have only <1 tradelines which is not meet guidelines requirements. File notes exception discussion. - Due Diligence Vendor-01/21/2025 |  | Waived-Exception Provided:<br> Lack of Tradelines - Due Diligence Vendor-02/13/2025<br>| XXXX |  | DSCR is 1.002. Minimum required per guidelines is 1.<br> Borrower(s) have 111.23 months Reserves. Minimum required per guidelines is 9 months. From cash out<br> LTV is 60.61%. Maximum allowed per guidelines is 70%.<br> S/E 2 yrs - DSCR – formation 02/13/2023<br> 0 x 30 at 21 months - primary is in spouses name. | MA | Investment | Refinance | Cash Out - Other | 3245115 | Originator Post-Close | Yes |
| XXXX | 1973082 |  |  | Closed | 2025-01-22 23:46 | 2025-02-14 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Document received, data confirmed - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. - Seller-02/12/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Please provide proof of housing history for borrower primary residence. DSCR must on primary. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/12/2025<br>| Resolved-Document received, data confirmed - Due Diligence Vendor-02/14/2025<br>| XXXX |  |  | MA | Investment | Refinance | Cash Out - Other | 3259359 | N/A | N/A |
| XXXX | 2000693 |  |  | Closed | 2025-03-06 00:30 | 2025-03-12 14:53 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Short Term Rental < 12 months receipt - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/10/2025 <br>Ready for Review-Document Uploaded. See LOE -12 months not available - Buyer-03/10/2025 <br>Open-Per matrix overlay: Please provide lease agreement or short term rental income proof of receipt for 12 months. Memo page 137 notes 5 months available. Please clarify - Due Diligence Vendor-03/06/2025 |  | Waived-Short Term Rental < 12 months receipt - Due Diligence Vendor-03/12/2025<br>| XXXX |  | DSCR is 1.3. Minimum required per guidelines is 1.1.<br> 0X30, 53 months mortgage history. No late | MD | Investment | Refinance | Cash Out - Other | 3538896 | Originator Post-Close | Yes |
| XXXX | 2000682 |  |  | Closed | 2025-03-13 06:28 | 2025-03-27 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/27/2025 <br>Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/26/2025 <br>Open-Missing Third Party Fraud Report Third Party Fraud Report is missing in file. - Due Diligence Vendor-03/13/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/27/2025 <br>Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3599031 | N/A | N/A |
| XXXX | 2000682 |  |  | Closed | 2025-03-13 07:29 | 2025-03-18 14:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/14/2025 <br>Open-Evidence of Rate Lock Missing Lock confirmation is missing in file. - Due Diligence Vendor-03/13/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3599221 | N/A | N/A |
| XXXX | 2000682 |  |  | Closed | 2025-03-14 12:50 | 2025-03-18 14:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception made for borrower not owning a primary residence - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/14/2025 <br>Open-Housing History Does Not Meet Guideline Requirements DSCR must own a primary residence - Due Diligence Vendor-03/14/2025 |  | Waived-Exception made for borrower not owning a primary residence - Due Diligence Vendor-03/18/2025<br>| XXXX |  | Credit Score is 760. Minimum required per guidelines is 740.<br> DSCR is 1.041. Minimum required per guidelines is 1. | FL | Investment | Refinance | Cash Out - Other | 3611732 | Originator Post-Close | Yes |
| XXXX | 2016420 |  |  | Closed | 2025-03-12 09:44 | 2025-03-19 13:19 | Resolved | 1 - Information A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/18/2025 <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. Initial is missing in provided Business Purpose Affidavit page #16. - Due Diligence Vendor-03/12/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | AZ | Investment | Purchase | NA | 3588622 | N/A | N/A |
| XXXX | 2013477 |  |  | Closed | 2025-03-14 21:01 | 2025-03-20 17:49 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Received confirmation of rental loss, finding resolved - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/18/2025 <br>Open-Missing rent loss coverage on HO6 policy - Due Diligence Vendor-03/14/2025 |  | Resolved-Received confirmation of rental loss, finding resolved - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | 3618459 | N/A | N/A |
| XXXX | 2013477 |  |  | Closed | 2025-03-13 08:24 | 2025-03-18 08:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested Business Purpose Affidavit Disclosure with initial Check Box Mark Provided Hence Resolved. - Due Diligence Vendor-03/18/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/17/2025 <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. Check box is not updated in provided Business Purpose Affidavit. - Due Diligence Vendor-03/13/2025 |  | Resolved-Requested Business Purpose Affidavit Disclosure with initial Check Box Mark Provided Hence Resolved. - Due Diligence Vendor-03/18/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | 3599346 | N/A | N/A |
| XXXX | 1995595 |  |  | Closed | 2025-03-13 12:07 | 2025-03-24 15:21 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/21/2025 <br> Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. Settlement Statement closing date not matching Note date - Due Diligence Vendor-03/13/2025 |  | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3600370 | N/A | N/A |
| XXXX | 1995595 |  |  | Closed | 2025-03-13 10:45 | 2025-03-24 15:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Finding resolved, P&I not required to be listed - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/20/2025 <br>Open-The Note is Incomplete P&I amount is missing in provided Note document. - Due Diligence Vendor-03/13/2025 |  | Resolved-Finding resolved, P&I not required to be listed - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3599802 | N/A | N/A |
| XXXX | 2020212 |  |  | Closed | 2025-03-17 20:33 | 2025-03-20 21:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for loan being cash out with less than 3 month seasoning - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/18/2025 <br>Open-Loan does not conform to program guidelines Property was listed for sale within the 3 month period, not allowed for a cash out refi - Due Diligence Vendor-03/17/2025 |  | Waived-Exception made for loan being cash out with less than 3 month seasoning - Due Diligence Vendor-03/20/2025<br>| XXXX |  | 1. DSCR is 1.181. Minimum required per guidelines is 1.<br> 2. Borrower(s) have 22.1 months Reserves. Minimum required per guidelines is 3 months.<br> 3. Credit Score is 753. Minimum required per guidelines is 740.<br> 4. Rate reduction from 10.67% to 7.99% | VA | Investment | Refinance | Cash Out - Other | 3630385 | Originator Post-Close | Yes |
| XXXX | 2020212 |  |  | Closed | 2025-03-14 08:20 | 2025-03-19 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/18/2025 <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. Check box is not marked in provided Business Purpose Affidavit - Due Diligence Vendor-03/14/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3610300 | N/A | N/A |
| XXXX | 2020212 |  |  | Closed | 2025-03-17 20:26 | 2025-03-17 20:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception made for 75% LTV on recently listed investment property cash out transaction - Due Diligence Vendor-03/17/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception made for 75% LTV on recently listed investment property cash out transaction - Due Diligence Vendor-03/17/2025<br>|  |  | 1. DSCR is 1.181. Minimum required per guidelines is 1.<br> 2. Borrower(s) have 22.1 months Reserves. Minimum required per guidelines is 3 months. | VA | Investment | Refinance | Cash Out - Other | 3630290 | Originator Pre-Close | Yes |
| XXXX | 1995598 |  |  | Closed | 2025-03-17 06:53 | 2025-03-24 14:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Vesting name of business and LLC docs in file - Buyer-03/20/2025 <br> Counter-Unable to confirm S/E 5+ yrs. DSCR - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. - Seller-03/19/2025 <br> Open-Audited LTV of 69.9% exceeds Guideline LTV of 65% Verified LTV is 69.9%, which exceeds guideline maximum LTV 65%, and there is no XXXX exception other than what is noted on the 1008. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>|  | XXXX |  | DSCR is 1.866. Minimum required per guidelines is 1.<br> Credit Score is 765. Minimum required per guidelines is 700.<br> S/E 5+ yrs | NY | Investment | Refinance | Cash Out - Other | 3622500 | Originator Post-Close | Yes |
| XXXX | 1995598 |  |  | Closed | 2025-03-17 07:19 | 2025-03-20 21:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Document received, data updated. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/19/2025 <br>Open-The Final 1003 is Incomplete As per provided LOX page #339-340, borrower lives rent free, however 1003 reflecting as Rent. Provide 1003 with No primary housing expense. - Due Diligence Vendor-03/17/2025 |  | Resolved-Document received, data updated. - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 3622575 | N/A | N/A |
| XXXX | 1995598 |  |  | Closed | 2025-03-17 07:16 | 2025-03-20 08:00 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Loan approval shows correct prepayment penalty term as 5 years & FICO as 765. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/19/2025 <br>Open-1. As per provided Note document the prepayment penalty term is 5 years, however Loan approval showing 3 year term.<br> 2. Verified Lowest FICO score is 765 however approval cert is showing 763.<br> - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved-Updated Loan approval shows correct prepayment penalty term as 5 years & FICO as 765. - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 3622565 | N/A | N/A |
| XXXX | 1995598 |  |  | Closed | 2025-03-17 07:20 | 2025-03-20 07:57 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Updated 1008 shows corrected DSCR value. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/19/2025 <br>Open-Verified DSCR is 1.866%, however Originator DSCR showing 1.81%, which is more than 0.02% variance. - Due Diligence Vendor-03/17/2025 |  | Resolved-Updated 1008 shows corrected DSCR value. - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 3622583 | N/A | N/A |
| XXXX | 1995585 |  |  | Closed | 2025-03-20 12:47 | 2025-03-28 23:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/28/2025 <br>Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/20/2025 <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 'Present'. Business Purpose Affidavit is required for a DSCR loan. Provided Business Purpose Affidavit Initial(s) check box is not marked. - Due Diligence Vendor-03/20/2025 |  | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-03/28/2025 <br>Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 3655764 | N/A | N/A |
| XXXX | 1995585 |  |  | Closed | 2025-03-20 21:41 | 2025-03-28 22:52 | Acknowledged | 2 - Non-Material C B | Credit | Credit | If the Guarantor is married spouse must approve | Acknowledged-Per upper management this is a B grade condition. Finding has been acknowledged as B grade.<br> - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/27/2025 <br>Open-Please provide spousal consent. State requirement and not dependent on the loan type, please let us know if you have clarification - Due Diligence Vendor-03/20/2025 |  | Acknowledged-Per upper management this is a B grade condition. Finding has been acknowledged as B grade.<br> - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 3663507 | Originator Post-Close | No |
| XXXX | 2013457 |  |  | Closed | 2025-03-20 12:07 | 2025-03-31 16:42 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-PITIA confirmed with calculated DSCR 1.361 - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/27/2025 <br> Open-The calculated DSCR is 1.361, while the Originator's DSCR is 1.523. The variance in the DSCR is due to the P&I amount of $XXX shown in the note document, whereas the DSCR calculator displays a P&I amount of $XXX. - Due Diligence Vendor-03/20/2025 |  | Resolved-PITIA confirmed with calculated DSCR 1.361 - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 3655444 | N/A | N/A |
| XXXX | 2013457 |  |  | Closed | 2025-03-20 06:03 | 2025-03-31 16:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-DSCR/ No housing history or rent-free letter - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/27/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower living in Rent free, however LOX is missing in file. - Due Diligence Vendor-03/20/2025 |  | Waived-DSCR/ No housing history or rent-free letter - Due Diligence Vendor-03/31/2025<br>| XXXX |  | DSCR is 1.361. Minimum required per guidelines is 1.<br> 0X30, 48 month mortgage and no late. | IL | Investment | Refinance | Cash Out - Other | 3653951 | Originator Post-Close | Yes |
| XXXX | 1996202 |  |  | Closed | 2025-03-24 21:31 | 2025-03-27 13:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for MLS listed taken off after loan application date by 1 day<br> - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/25/2025 <br>Open-Loan does not conform to program guidelines Property was taken off MLS after loan application date - Due Diligence Vendor-03/24/2025 |  | Waived-Exception made for MLS listed taken off after loan application date by 1 day<br> - Due Diligence Vendor-03/27/2025<br>| XXXX |  | DSCR is 1.422. Minimum required per guidelines is 1.<br> Rate reduction 10% to 7.375%  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 3684161 | Originator Pre-Close | Yes |
| XXXX | 2016450 |  |  | Closed | 2025-03-20 04:47 | 2025-05-06 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/05/2025 <br>Open-Missing Evidence of Property Tax Property tax document provided does not match property taxes listed on the settlement statement - Due Diligence Vendor-03/20/2025 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 3653771 | N/A | N/A |
| XXXX | 2016450 |  |  | Closed | 2025-03-21 13:04 | 2025-04-10 13:27 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Received policy jacket listing rent lost, finding resolved - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. see page 16 for rent loss coverage - Seller-04/08/2025 <br>Open-Missing verbiage showing rent loss covers 6 months - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. see page 16 for rent loss coverage - Seller-04/08/2025<br>| Resolved-Received policy jacket listing rent lost, finding resolved - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 3666577 | N/A | N/A |
| XXXX | 2016450 |  |  | Closed | 2025-03-20 04:41 | 2025-03-26 15:18 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/25/2025 <br>Open-The Deed of Trust is Not Executed Deed of Trust missing notary - Due Diligence Vendor-03/20/2025 |  | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 3653759 | N/A | N/A |
| XXXX | 2016450 |  |  | Closed | 2025-03-20 05:45 | 2025-03-26 15:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception made for less than 12 month housing history - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Exception Provided. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/21/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing history, required for investment properties<br> - Due Diligence Vendor-03/20/2025 |  | Waived-Exception made for less than 12 month housing history - Due Diligence Vendor-03/26/2025<br>| XXXX |  | 1. Credit Score is 731. Minimum required per guidelines is 680.<br> 2. Borrower(s) have 24.82 months Reserves. Minimum required per guidelines is 6 months. | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 3653897 | Originator Post-Close | Yes |
| XXXX | 2016449 |  |  | Closed | 2025-03-27 23:09 | 2025-05-20 14:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 10.38 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/03/2025 <br>Resolved-Clarification received - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Audited Reserves of 10.38 month(s) are less than Guideline Required Reserves of 12 month(s) Per matrix 12 months PITIA Reserves for purchase at FICO 740 - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Audited Reserves of 10.38 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/03/2025 <br>Resolved-Clarification received - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | CT | Investment | Purchase | NA | 3715006 | N/A | N/A |
| XXXX | 2016449 |  |  | Closed | 2025-05-15 23:10 | 2025-05-20 14:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Max LTV is 75%, actual LTV 75.12 - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Counter-Borrower is a non-perm resident. GL notes max LTV is 75% or matrix whichever is lower. Please advise. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/16/2025 <br> Open-Audited LTV of 75.12% exceeds Guideline LTV of 75% LTV was based on purchase sale price of $XXXX = 75%. At close purchase price $XXXX = 75.12% which exceeds max. (addressed in Final HUD condition) please advise - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/16/2025<br>| Waived-Max LTV is 75%, actual LTV 75.12 - Due Diligence Vendor-05/20/2025<br>| XXXX |  | DSCR is 1.407. Minimum required per guidelines is 1.<br> No Derogatory Credit ever - Verified<br> Borrower contribution 100%<br> Borrower(s) have 10.38 months Reserves. Minimum required per guidelines is 6 months. | CT | Investment | Purchase | NA | 4158193 | Originator Post-Close | Yes |
| XXXX | 2016449 |  |  | Closed | 2025-03-27 22:53 | 2025-05-19 22:07 | Waived | 2 - Non-Material C B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Ok to proceed with current documentation per upper management, finding has been waived. - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Investor approval should not be required. The loan is UW to our guides and our exception should be sufficient. - Seller-05/14/2025 <br>Counter-Please provide investor approval - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Please advise what documents are needed to clear the condition - Seller-04/14/2025 <br>Counter-We cannot accept the clarification due to credit risk level after combined with other exceptions, please provide investor approval if possible. - Due Diligence Vendor-04/08/2025 <br>Waived- - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Counter-Refugee travel document expires prior to VISA. Visa class is not allowed per guidelines - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Borrowers must provide a copy of a valid passport from their country of origin with an expiration beyond the VISA. Refugee travel document expires prior to VISA. Visa classification is outside of the GL classifications<br> - Due Diligence Vendor-03/27/2025 | Ready for Review-Investor approval should not be required. The loan is UW to our guides and our exception should be sufficient. - Seller-05/14/2025 <br>Ready for Review-Please advise what documents are needed to clear the condition - Seller-04/14/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Waived-Ok to proceed with current documentation per upper management, finding has been waived. - Due Diligence Vendor-05/15/2025<br>| XXXX |  | DSCR is 1.407. Minimum required per guidelines is 1.<br> No Derogatory Credit ever - Verified<br> Borrower contribution 100%<br> Borrower(s) have 10.38 months Reserves. Minimum required per guidelines is 6 months. | CT | Investment | Purchase | NA | 3714941 | Originator Post-Close | No |
| XXXX | 2016449 |  |  | Closed | 2025-03-25 05:08 | 2025-04-04 22:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Clarification received, data updated - Due Diligence Vendor-04/04/2025 <br> Resolved-Final HUD-1 Document is Missing. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Please see attached- highlighted this is the correct borrower. (loan was purchase) - Seller-04/03/2025 <br> Counter-Document appears to belong to a difference file. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/02/2025 <br> Counter-Thank you, upload when available. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-disregard<br> - Seller-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Open-Final HUD-1 Document is Missing. As per Sales contract the sales price is $XXXX however settlement statement showing $XXXX. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Please see attached- highlighted this is the correct borrower. (loan was purchase) - Seller-04/03/2025 <br>Ready for Review-disregard<br> - Seller-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-Clarification received, data updated - Due Diligence Vendor-04/04/2025 <br>Resolved-Final HUD-1 Document is Missing. - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CT | Investment | Purchase | NA | 3685629 | N/A | N/A |
| XXXX | 2016449 |  |  | Closed | 2025-03-25 05:22 | 2025-04-02 17:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Primary residence for DSCR - borrower lives where he works as a superintendent. Page 127 - Due Diligence Vendor-04/02/2025 <br>Waived-Housing History Does Not Meet Guideline Requirements Primary residence for DSCR - borrower lives where he works as a superintendent. Page 127 - Due Diligence Vendor-03/25/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Primary residence for DSCR - borrower lives where he works as a superintendent. Page 127 - Due Diligence Vendor-04/02/2025 <br>Waived-Housing History Does Not Meet Guideline Requirements Primary residence for DSCR - borrower lives where he works as a superintendent. Page 127 - Due Diligence Vendor-03/25/2025<br>|  |  | DSCR is 1.407. Minimum required per guidelines is 1.<br> No Derogatory Credit ever - Verified<br> Borrower contribution 100% | CT | Investment | Purchase | NA | 3685664 | Originator Pre-Close | Yes |
| XXXX | 2016449 |  |  | Closed | 2025-03-25 05:23 | 2025-04-02 17:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Loan does not conform to program guidelines Non-perm must own a primary residence in the United States already (12 months evidence required)<br> - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>|  | XXXX |  | DSCR is 1.407. Minimum required per guidelines is 1.<br> No Derogatory Credit ever - Verified | CT | Investment | Purchase | NA | 3685671 | Originator Post-Close | Yes |
| XXXX | 2007425 |  |  | Closed | 2025-03-25 15:20 | 2025-03-31 05:22 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Provided document shows TAX ID which is acceptable.Finding resolved. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/28/2025 <br>Open-Missing valid disclosure listing EIN number - Due Diligence Vendor-03/25/2025 |  | Resolved-Provided document shows TAX ID which is acceptable.Finding resolved. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | 3689331 | N/A | N/A |
| XXXX | 2013478 |  |  | Closed | 2025-03-25 11:38 | 2025-04-08 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Document received - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Counter-This upload does not support the statement in file on page 132. The date is cut off from the document. Is this a later date of the statement than what is in the file? - Due Diligence Vendor-04/07/2025 <br> Resolved-Updated Bank Statement shows only on borrower name. No LOX required. Resolved - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Letter Of Explanation required for other borrower name reflecting bank statements for Asset 1 Account ending with XXXX. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Document received - Due Diligence Vendor-04/08/2025 <br>Resolved-Updated Bank Statement shows only on borrower name. No LOX required. Resolved - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3686855 | N/A | N/A |
| XXXX | 2013478 |  |  | Closed | 2025-04-02 19:06 | 2025-04-07 22:30 | Resolved | 1 - Information C A | Credit | Eligibility | Loan Eligibility | Resolved-Document received - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025 <br>Counter-Document will not open. Please upload again. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/03/2025 <br>Open-Please provide operating agreement. Relationship of transfer from LLC to borrower is not clear. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Document received - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3755318 | N/A | N/A |
| XXXX | 2013478 |  |  | Closed | 2025-03-25 08:57 | 2025-04-07 22:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/04/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/03/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-03/25/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/04/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/04/2025 | XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3686224 | N/A | N/A |
| XXXX | 2013478 |  |  | Closed | 2025-03-26 01:28 | 2025-04-02 17:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Transferring from LLC to individual with LLC ownership <12 months. Page 161 - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Loan does not conform to program guidelines Please provide additional comp factor as reserves required are 6 and actual reserves are 6.689. Exception for Transferring from LLC to individual with LLC ownership <12 months. Page 161<br> - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Waived-Transferring from LLC to individual with LLC ownership <12 months. Page 161 - Due Diligence Vendor-04/02/2025<br>| XXXX |  | No Mtg lates 27 months<br> DSCR is 1.29. Minimum required per guidelines is 1.<br> Credit Score is 722. Minimum required per guidelines is 700. | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3694390 | Originator Pre-Close | Yes |
| XXXX | 2013478 |  |  | Closed | 2025-03-28 19:28 | 2025-04-02 17:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV Exceeds Guideline LTV Refinance rate/term maximum LTV 70%, actual LTV 75% - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Audited LTV Exceeds Guideline LTV Refinance rate/term maximum LTV 70%, actual LTV 75% - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Waived-Audited LTV Exceeds Guideline LTV Refinance rate/term maximum LTV 70%, actual LTV 75% - Due Diligence Vendor-04/02/2025<br>| XXXX |  | No Mortgage lates 27 months<br> DSCR is 1.29. Minimum required per guidelines is 1.<br> Credit Score is 722. Minimum required per guidelines is 700. | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3723072 | Originator Post-Close | Yes |
| XXXX | 2013478 |  |  | Closed | 2025-03-25 11:39 | 2025-04-01 10:36 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Loan Approval provided. Resolved - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Per note document Prepayment penalty term is 36 months loan approval notes 48 months. Please update. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Updated Loan Approval provided. Resolved - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3686864 | N/A | N/A |
| XXXX | 2013478 |  |  | Closed | 2025-03-25 11:36 | 2025-04-01 10:33 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Not required initial Escrow doc since loan is DSCR. Resolved - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Loan Program is Professional Investor =not required - Buyer-03/31/2025 <br>Open-Initial Escrow Acct Disclosure missing; loan has escrows - Due Diligence Vendor-03/25/2025 |  | Resolved-Not required initial Escrow doc since loan is DSCR. Resolved - Due Diligence Vendor-04/01/2025<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3686840 | N/A | N/A |
| XXXX | 2000690 |  |  | Closed | 2025-03-27 15:56 | 2025-03-31 18:12 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing anti-steering - Due Diligence Vendor-03/31/2025 <br>Ready for Review-XXXX acknowledges missing disclosure - Buyer-03/27/2025 <br>Open- - Due Diligence Vendor-03/27/2025 |  | Acknowledged-Client acknowledges missing anti-steering - Due Diligence Vendor-03/31/2025<br>|  |  |  | NV | Investment | Refinance | Cash Out - Other | 3709915 | Investor Post-Close | No |
| XXXX | 2007429 |  |  | Closed | 2025-03-27 14:51 | 2025-04-04 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-2x30x12 housing lates, meets LTV requirement, finding resolved - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. see attached- the borrower was delinq 2023 this is not within the last 12 months - does not apply - Buyer-04/01/2025 <br> Counter-Sorry, loan program was listed under Platinum advantage, per the platinum matrix 2x30x12 is allowed with a LTV reduction of 5% - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/27/2025 <br> Open-Loan does not conform to program guidelines Credit report lists late payment on XXXX and 3 late payments on XXXX, per matrix minimum seasoning from housing event needs to be 24 months - Due Diligence Vendor-03/27/2025 |  | Resolved-2x30x12 housing lates, meets LTV requirement, finding resolved - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 3708749 | N/A | N/A |
| XXXX | 2007432 |  |  | Closed | 2025-04-02 17:28 | 2025-04-10 13:29 | Resolved | 1 - Information C A | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Resolved-Documentation received, finding resolved - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Counter-Missing source of funds used for purchase - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/03/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Missing documentation from file for delayed financing requirements - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Documentation received, finding resolved - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | WA | Investment | Refinance | Cash Out - Other | 3753805 | N/A | N/A |
| XXXX | 2007432 |  |  | Closed | 2025-04-01 17:58 | 2025-04-04 08:33 | Resolved | 1 - Information C A | Credit | Credit | If the Guarantor is married spouse must approve | Resolved-Borrower signed as Business entity, BPL, no Spousal Consent Required - Due Diligence Vendor-04/04/2025 <br> Ready for Review-loan closed in business name- not required - see XXXX for questions (came down from XXXX) - Seller-04/03/2025 <br> Open-Spouse Guaranty document is missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-loan closed in business name- not required - see XXXX for questions (came down from XXXX) - Seller-04/03/2025<br>| Resolved-Borrower signed as Business entity, BPL, no Spousal Consent Required - Due Diligence Vendor-04/04/2025<br>|  |  |  | WA | Investment | Refinance | Cash Out - Other | 3743960 | N/A | N/A |
| XXXX | 2007432 |  |  | Closed | 2025-04-03 07:17 | 2025-04-04 08:33 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. loss of rents shows $XXXX - Buyer-04/03/2025 <br> Open-Provided insufficient Rent loss amount in Hazard document. - Due Diligence Vendor-04/03/2025 |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | WA | Investment | Refinance | Cash Out - Other | 3759973 | N/A | N/A |
| XXXX | 2007418 |  |  | Closed | 2025-04-02 13:53 | 2025-04-09 07:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/08/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount - Due Diligence Vendor-04/02/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/09/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 3750684 | N/A | N/A |
| XXXX | 2007416 |  |  | Closed | 2025-04-03 16:12 | 2025-04-07 14:47 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing Anti-Steering disclosure - Due Diligence Vendor-04/07/2025 <br>Ready for Review-XXXX acknowledges missing disclosure - Buyer-04/03/2025 <br>Open- - Due Diligence Vendor-04/03/2025 |  | Acknowledged-Client acknowledges missing Anti-Steering disclosure - Due Diligence Vendor-04/07/2025<br>|  |  |  | MD | Investment | Refinance | Cash Out - Other | 3774337 | Investor Post-Close | No |
| XXXX | 2007427 |  |  | Closed | 2025-04-03 19:10 | 2025-04-08 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Property is F/C - no mortgage - Seller-04/04/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing housing history for subject property - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Property is F/C - no mortgage - Seller-04/04/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3777202 | N/A | N/A |
| XXXX | 2007427 |  |  | Closed | 2025-04-02 11:03 | 2025-04-08 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025 <br>Open-Missing Evidence of Property Tax Tax amount is not matching in provided tax cert. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3749282 | N/A | N/A |
| XXXX | 2007427 |  |  | Closed | 2025-04-02 12:17 | 2025-04-07 10:18 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025 <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 Missing desk review from file - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3749748 | N/A | N/A |
| XXXX | 2007427 |  |  | Closed | 2025-04-02 13:21 | 2025-04-03 18:45 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception made for 5 months cash out seasoning. - Due Diligence Vendor-04/02/2025 |  | Waived-Cash Out is not completed according to the guideline requirements Exception made for 5 months cash out seasoning. - Due Diligence Vendor-04/02/2025<br>|  |  | 1. DSCR is 1.423. Minimum required per guidelines is 1.<br> 2. No Derogatory in Credit report. | GA | Investment | Refinance | Cash Out - Other | 3750303 | Originator Pre-Close | Yes |
| XXXX | 2007419 |  |  | Closed | 2025-04-04 03:49 | 2025-04-07 22:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/04/2025 <br>Open-The Initial 1003 is Missing LO Signature and Borrower signature is missing in initial 1003 document. - Due Diligence Vendor-04/04/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3780296 | N/A | N/A |
| XXXX | 2007419 |  |  | Closed | 2025-04-04 05:24 | 2025-04-07 10:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/04/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file. - Due Diligence Vendor-04/04/2025 |  | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/07/2025 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3780503 | N/A | N/A |
| XXXX | 2013458 |  |  | Closed | 2025-04-08 10:34 | 2025-04-17 17:24 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Hazard insurance effective XXXX / Disbursement date XXXX - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/15/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Insurance effective date XXXX was not in effect on disbursement XXXX - Due Diligence Vendor-04/08/2025 |  | Waived-Hazard insurance effective XXXX / Disbursement date XXXX - Due Diligence Vendor-04/17/2025 | XXXX |  | Credit Score is 793. Minimum required per guidelines is 720.<br> Borrower(s) have 54.98 months Reserves. Minimum required per guidelines is 6 months. | CA | Investment | Purchase | NA | 3803435 | Originator Post-Close | Yes |
| XXXX | 2013458 |  |  | Closed | 2025-04-08 11:20 | 2025-04-11 10:35 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated approval certificate provided. Resolved - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/10/2025 <br>Open-Loan amount and note rate are not correct on approval certificate. Actual LTV is 80%, however approval certificate is 79.033%. Please update - Due Diligence Vendor-04/08/2025 |  | Resolved-Updated approval certificate provided. Resolved - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 3803643 | N/A | N/A |
| XXXX | 2013461 |  |  | Closed | 2025-04-09 22:23 | 2025-04-14 14:06 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Doc is missing. | Resolved-Document received - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/10/2025 <br>Open-Guaranty agreement in the file does not support the note amount. - Due Diligence Vendor-04/09/2025 |  | Resolved-Document received - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Home Improvement/Reno | 3823090 | N/A | N/A |
| XXXX | 2013480 |  |  | Closed | 2025-04-09 20:43 | 2025-04-21 15:34 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Special warranty deed dated XXXX, no seasoning issue, finding resolved - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/17/2025 <br> Counter-Date of Prior Sale/Transfer lists a date of XXXX, addendum states the subject has a priro sale (as-is, needing repairs) recorded in the public record XXXX for $XXXX (arm's length)- Specialty Warranty Deed (Dated XXXX) from grantor - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Both show XXXX - Seller-04/14/2025 <br> Counter-Discrepancy between appraisal and title of when property was acquired, please provide clarification which document is correct - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. N/A - Buyer-04/10/2025 <br> Open-Cash Out is not completed according to the guideline requirements 6 month seasoning requirement not being met for cash out<br> - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Both show June 2024 - Seller-04/14/2025<br>| Resolved-Special warranty deed dated XXXX, no seasoning issue, finding resolved - Due Diligence Vendor-04/21/2025 | XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | 3822229 | N/A | N/A |
| XXXX | 2013480 |  |  | Closed | 2025-04-08 11:46 | 2025-04-16 22:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception made for borrower not owning a primary residence - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/15/2025 <br>Counter-Please provide investor approval on this, investor was cautious with two exceptions, we will need approval from them on additional exceptions. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. - Seller-04/10/2025 <br>Open-Housing History Does Not Meet Guideline Requirements All borrowers must presently own their primary residence. This requirement may be waived if the borrower can clearly demonstrate that the subject property is rental in nature and inferior in size and quality to their primary residence (leased or owned). The borrower must be renting another residence and the lease must continue for the foreseeable future (minimum of 6 months). - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Waived-Exception made for borrower not owning a primary residence - Due Diligence Vendor-04/16/2025<br>| XXXX |  | DSCR is 1.31. Minimum required per guidelines is 1.<br> LTV is 70%. Maximum allowed per guidelines is 75%.<br> Credit Score is 803. Minimum required per guidelines is 740. | MD | Investment | Refinance | Cash Out - Other | 3803811 | Originator Post-Close | Yes |
| XXXX | 2013480 |  |  | Closed | 2025-04-09 19:16 | 2025-04-14 14:49 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing anti-steering - Due Diligence Vendor-04/14/2025 <br>Ready for Review-XXXX acknowledges missing disclosure - Seller-04/10/2025 <br>Open- - Due Diligence Vendor-04/09/2025 | Ready for Review-XXXX acknowledges missing disclosure - Seller-04/10/2025<br>| Acknowledged-Client acknowledges missing anti-steering - Due Diligence Vendor-04/14/2025<br>|  |  |  | MD | Investment | Refinance | Cash Out - Other | 3821013 | Investor Post-Close | No |
| XXXX | 2013480 |  |  | Closed | 2025-04-08 12:17 | 2025-04-14 14:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/10/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount As per Matrix Minimum Loan amount $XXXX but loan have $XXXX So need supporting doc for accepting Loan Amount $XXXX - Due Diligence Vendor-04/08/2025 |  |  | XXXX |  | DSCR is 1.31. Minimum required per guidelines is 1.<br> LTV is 70%. Maximum allowed per guidelines is 75%.<br> Credit Score is 803. Minimum required per guidelines is 740. | MD | Investment | Refinance | Cash Out - Other | 3804016 | Originator Post-Close | Yes |
| XXXX | 2013480 |  |  | Closed | 2025-04-09 19:38 | 2025-04-09 20:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for leasehold property - Due Diligence Vendor-04/09/2025 |  | Waived-Loan does not conform to program guidelines Exception made for leasehold property - Due Diligence Vendor-04/09/2025<br>|  |  | DSCR is 1.301. Minimum required per guidelines is 1.<br> LTV is 70%. Maximum allowed per guidelines is 75%.<br> Credit Score is 803. Minimum required per guidelines is 740. | MD | Investment | Refinance | Cash Out - Other | 3821293 | Originator Pre-Close | Yes |
| XXXX | 2013480 |  |  | Closed | 2025-04-09 19:57 | 2025-04-09 20:33 | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception made for limited tradelines - Due Diligence Vendor-04/09/2025 |  | Waived-Exception made for limited tradelines - Due Diligence Vendor-04/09/2025<br>|  |  | DSCR is 1.301. Minimum required per guidelines is 1.<br> LTV is 70%. Maximum allowed per guidelines is 75%.<br> Credit Score is 803. Minimum required per guidelines is 740. | MD | Investment | Refinance | Cash Out - Other | 3821571 | Originator Pre-Close | Yes |
| XXXX | 2007413 |  |  | Closed | 2025-04-09 18:26 | 2025-04-11 16:01 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-finding resolved, received receipts for rental income - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/09/2025 <br>Open-Missing most recent 2 months bank statements showing rental deposits - Due Diligence Vendor-04/09/2025 |  | Resolved-finding resolved, received receipts for rental income - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3820300 | N/A | N/A |
| XXXX | 2007413 |  |  | Closed | 2025-04-08 03:51 | 2025-04-10 09:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/09/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage amount missing in Title need supporting doc meeting the Loan amount. - Due Diligence Vendor-04/08/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/10/2025 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3802190 | N/A | N/A |
| XXXX | 2013468 |  |  | Closed | 2025-04-09 18:00 | 2025-04-11 20:47 | Acknowledged | 2 - Non-Material C B | Credit | Credit | If the Guarantor is married spouse must approve | Acknowledged-Per counsel, this is acceptable and ok to proceed as a B grade. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Loan closed in name of business- NOT required- see XXXX w/ questions (Approved per XXXX) - Buyer-04/09/2025 <br> Open-Spousal consent missing from file - Due Diligence Vendor-04/09/2025 |  | Acknowledged-Per counsel, this is acceptable and ok to proceed as a B grade. - Due Diligence Vendor-04/11/2025<br>|  |  |  | TX | Investment | Purchase | NA | 3819933 | Originator Post-Close | No |
| XXXX | 2013468 |  |  | Closed | 2025-04-09 18:16 | 2025-04-11 15:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Excessive Seller Contributions | Waived-Exception made for seller contributions being above 2%, currently at 6% - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/09/2025 <br>Open-Interested Party contributions above the maximum of 2% - Due Diligence Vendor-04/09/2025 |  | Waived-Exception made for seller contributions being above 2%, currently at 6% - Due Diligence Vendor-04/11/2025<br>| XXXX |  | DSCR is 1.626. Minimum required per guidelines is 1.<br> LTV is 75%. Maximum allowed per guidelines is 80%. | TX | Investment | Purchase | NA | 3820129 | Originator Post-Close | Yes |
| XXXX | 2013472 |  |  | Closed | 2025-04-14 20:49 | 2025-04-17 19:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/15/2025 <br>Open-Title Document is Incomplete Missing vesting in LLC - Due Diligence Vendor-04/14/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3860564 | N/A | N/A |
| XXXX | 2013472 |  |  | Closed | 2025-04-11 12:05 | 2025-04-15 11:40 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Requested updated approval certificate with updated Fico Provided hence resolved. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/14/2025 <br>Open-Qualifying Fico score in Loan approval document is incorrect required updated approval certificate. - Due Diligence Vendor-04/11/2025 |  | Resolved-Requested updated approval certificate with updated Fico Provided hence resolved. - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3837990 | N/A | N/A |
| XXXX | 2016421 |  |  | Closed | 2025-04-13 07:32 | 2025-04-17 16:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV > 75% - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/15/2025 <br>Open-Audited LTV of 77% exceeds Guideline LTV of 75% Verified DSCR is 0.827, which is fall under 0.75-0.99 matrix and for FICO 740 Rate/Term Maximum LTV is 75%, however verified LTV is 77%, which is higher than maximum LTV. - Due Diligence Vendor-04/13/2025 |  | Waived-LTV > 75% - Due Diligence Vendor-04/17/2025<br>| XXXX |  | Credit Score is 755. Minimum required per guidelines is 700.<br> Borrower(s) have 15.61 months Reserves. Minimum required per guidelines is 9 months. | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 3849948 | Originator Post-Close | Yes |
| XXXX | 2016421 |  |  | Closed | 2025-04-13 08:01 | 2025-04-14 21:59 | Acknowledged | 2 - Non-Material B | Credit | Credit | If the Guarantor is married spouse must approve | Acknowledged-Spousal consent disclosure not present in file. This is acceptable for business purpose loans per counsel, ok to proceed with this condition as B grade. - Due Diligence Vendor-04/13/2025 |  | Acknowledged-Spousal consent disclosure not present in file. This is acceptable for business purpose loans per counsel, ok to proceed with this condition as B grade. - Due Diligence Vendor-04/13/2025<br>|  |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 3849971 | Originator Post-Close | No |
| XXXX | 2013467 |  |  | Closed | 2025-04-12 17:12 | 2025-06-02 23:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-clarification received - Due Diligence Vendor-04/17/2025 <br>Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/16/2025 <br>Open-PUD Rider is Missing Property type is PUD however PUD rider is missing in file. - Due Diligence Vendor-04/12/2025 |  | Resolved-clarification received - Due Diligence Vendor-04/17/2025 <br>Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3849047 | N/A | N/A |
| XXXX | 2013467 |  |  | Closed | 2025-04-14 20:34 | 2025-04-22 23:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page #110. Current appraised value used in < 6 months seasoning scenario. GL requires the lessor of purchase price and current appraised value. Lender provided $XXXX in renovation receipts. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Counter-Could not accept the exceptions due to exponential nature of the conditions, guidelines suggest the condition can be waived if the cashout is used to recoup the renovation cost, for this we need evidence of the upgrade costs. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/15/2025 <br> Open-Loan does not conform to program guidelines Exception page #110. Current appraised value used in < 6 months seasoning scenario. GL requires the lessor of purchase price and current appraised value. Unable to utilize reserves as they are from cash out and DSCR is 1. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/18/2025<br>| Waived-Loan does not conform to program guidelines Exception page #110. Current appraised value used in < 6 months seasoning scenario. GL requires the lessor of purchase price and current appraised value. Lender provided $XXXX in renovation receipts. - Due Diligence Vendor-04/22/2025 | XXXX |  | LTV is 67.92%. Maximum allowed per guidelines is 75%.<br> 0X30, 18 month mortgage<br> DSCR is 1.026. Minimum required per guidelines is 1. They also have another exception for: month cash out seasoning not met<br> Borrower(s) have 36.99 months Reserves. Minimum required per guidelines is 6 months. (cash out) | PA | Investment | Refinance | Cash Out - Other | 3860417 | Originator Pre-Close | Yes |
| XXXX | 2013467 |  |  | Closed | 2025-04-12 17:56 | 2025-04-14 20:34 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception page #110. 6 month cash out seasoning not met. - Due Diligence Vendor-04/12/2025 |  | Waived-Cash Out is not completed according to the guideline requirements Exception page #110. 6 month cash out seasoning not met. - Due Diligence Vendor-04/12/2025<br>|  |  | Borrower(s) have 36.99 months Reserves. Minimum required per guidelines is 6 months. (cash out)<br> LTV is 67.92%. Maximum allowed per guidelines is 75%.<br> 0X30, 18 month mortgage<br>| PA | Investment | Refinance | Cash Out - Other | 3849163 | Originator Pre-Close | Yes |
| XXXX | 2013473 |  |  | Closed | 2025-04-11 05:40 | 2025-04-14 14:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Excessive Seller Contributions | Waived-Exception made allowing up to a 3% interested party contribution on investment property purchase - Due Diligence Vendor-04/11/2025 |  | Waived-Exception made allowing up to a 3% interested party contribution on investment property purchase - Due Diligence Vendor-04/11/2025<br>|  |  | - DSCR ratio exceeds 1.0 - DSCR is 1.027. Minimum required per guidelines is 1.<br> - Additional 3 months reserves - Borrower(s) have 237.75 months Reserves. Minimum required per guidelines is 6 months.<br> - LTV is 75%. Maximum allowed per guidelines is 85%. | NJ | Investment | Purchase | NA | 3836083 | Originator Pre-Close | Yes |
| XXXX | 2013479 |  |  | Closed | 2025-04-14 14:21 | 2025-04-16 22:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Finding resolved, no deposits required - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. We will not have 6 months rent for ADU unit since the lease did not start until XXXX. - Seller-04/14/2025 <br> Open-Lease for the ADU and main dwelling will be required when the current rent for both dwellings is being used in lieu of the Market Rent. Proof of 6 months receipt is required. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. We will not have 6 months rent for ADU unit since the lease did not start until April 2025. - Seller-04/14/2025<br>| Resolved-Finding resolved, no deposits required - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Investment | Purchase | NA | 3854806 | N/A | N/A |
| XXXX | 2013479 |  |  | Closed | 2025-04-14 13:25 | 2025-04-16 22:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Finding resolved, primary residence superior in value to subject property - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Primary home $XXXX value w/ sq ft XXXX<br> Investment prop $XXXX w/ sq ft XXXX - Seller-04/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements All borrowers must presently own their primary residence. This requirement may be waived if the borrower can clearly demonstrate that the subject property is rental in nature and inferior in size and quality to their primary residence (leased or owned) - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Primary home $XXX value w/ sq ft XXX<br> Investment prop $XXX w/ sq ft XXX - Seller-04/15/2025 | Resolved-Finding resolved, primary residence superior in value to subject property - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Investment | Purchase | NA | 3853950 | N/A | N/A |
| XXXX | 2013479 |  |  | Closed | 2025-04-14 13:08 | 2025-04-16 18:01 | Resolved | 1 - Information C A | Credit | Credit | Deficient AUS/Loan Approval | Resolved-Received updated approval, finding resolved - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/14/2025 <br>Open-Loan approval lists DSCR as .82, market rent with Adu unit calculates the DSCR above 1 - Due Diligence Vendor-04/14/2025 |  | Resolved-Received updated approval, finding resolved - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | WA | Investment | Purchase | NA | 3853730 | N/A | N/A |
| XXXX | 2013479 |  |  | Closed | 2025-04-14 13:03 | 2025-04-16 17:59 | Waived | 2 - Non-Material C B | Property | Property | Property or house size is outside of guidelines | Waived-Exception made for ADU being less than 600 sq ft - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2025 <br> Open-ADU does not meet the minimum 600 sq feet requirement - Due Diligence Vendor-04/14/2025 |  | Waived-Exception made for ADU being less than 600 sq ft - Due Diligence Vendor-04/16/2025<br>| XXXX |  | Borrower(s) have 81.16 months Reserves. Minimum required per guidelines is 3 months.<br> Credit Score is 729. Minimum required per guidelines is 680.<br> No Mortgage lates listed on credit report | WA | Investment | Purchase | NA | 3853624 | Originator Post-Close | Yes |
| XXXX | 2018539 |  |  | Closed | 2025-04-15 11:30 | 2025-04-24 10:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Wire proof for primary refinance funds uploaded, Verified - Resolved - Due Diligence Vendor-04/24/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Final Funds Wire - Seller-04/23/2025 <br>Open-Asset Record 2 Does Not Meet G/L Requirements As per LOX page 197, primary refinance funds are used but there is no proof in the file and did not disclosed on 1003 section 2b , required wire transfer proof or final settlement statement. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Final Funds Wire - Seller-04/23/2025<br>| Resolved-Wire proof for primary refinance funds uploaded, Verified - Resolved - Due Diligence Vendor-04/24/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | TN | Investment | Purchase | NA | 3864642 | N/A | N/A |
| XXXX | 2018539 |  |  | Closed | 2025-04-15 11:36 | 2025-04-22 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/21/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows one Uncleared high alert finding - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/21/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | TN | Investment | Purchase | NA | 3864693 | N/A | N/A |
| XXXX | 2018539 |  |  | Closed | 2025-04-15 10:08 | 2025-04-17 00:45 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-04/16/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount $XXX. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-04/16/2025<br>| Resolved-Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/17/2025 | XXXX |  |  | TN | Investment | Purchase | NA | 3864271 | N/A | N/A |
| XXXX | 2018539 |  |  | Closed | 2025-04-15 11:07 | 2025-04-16 18:05 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is '701' or blank, but the Qualifying FICO from the Credit Liabilities Page is '718' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL page 43,The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score, B1 has highest income, so used B1 FICO 718 need to use but 1008 considered the B2 FICO of 701 - Due Diligence Vendor-04/15/2025 |  | Resolved-Qualifying FICO on the 1008 Page is '701' or blank, but the Qualifying FICO from the Credit Liabilities Page is '718' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL page 43,The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score, B1 has highest income, so used B1 FICO 718 need to use but 1008 considered the B2 FICO of 701 - Due Diligence Vendor-04/15/2025<br>|  |  |  | TN | Investment | Purchase | NA | 3864529 | N/A | N/A |
| XXXX | 2013474 |  |  | Closed | 2025-04-17 20:22 | 2025-04-17 20:22 | Waived | 2 - Non-Material B | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements Exception made for cash out being $1,861,155.22 - Due Diligence Vendor-04/17/2025 |  | Waived-Cash Out Does Not Meet Guideline Requirements Exception made for cash out being $1,861,155.22 - Due Diligence Vendor-04/17/2025<br>|  |  | LTV is 63.65%. Maximum allowed per guidelines is 75%.<br> Credit Score is 720. Minimum required per guidelines is 660.<br> Borrower(s) have 114.9 months Reserves. Minimum required per guidelines is 12 months.<br> DSCR is 1.282. Minimum required per guidelines is 1. | GA | Investment | Refinance | Cash Out - Other | 3894834 | Originator Pre-Close | Yes |
| XXXX | 2013481 |  |  | Closed | 2025-04-14 12:47 | 2025-04-21 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Requested 1007 Document provided hence resolved.<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/18/2025 <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a 1007, 1025, etc. 1007 is missing in file, and there is no other document to verify the rent amount. - Due Diligence Vendor-04/14/2025 |  | Resolved-Requested 1007 Document provided hence resolved.<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3853452 | N/A | N/A |
| XXXX | 2016431 |  |  | Closed | 2025-04-17 05:42 | 2025-04-23 14:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/21/2025 <br>Open-The Initial 1003 is Missing Loan Officer Signature is missing in Provided 1003 document - Due Diligence Vendor-04/17/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3886490 | N/A | N/A |
| XXXX | 2013460 |  |  | Closed | 2025-04-16 09:46 | 2025-04-23 14:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Exception made for Seller contributions > 2% - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/18/2025 <br>Open-As per Guideline For investment property transactions, the property seller and/or interested parties may contribute up to 2%. However settlement statement showing 2.18% ($9,000)<br> - Due Diligence Vendor-04/16/2025 |  | Waived-Exception made for Seller contributions > 2% - Due Diligence Vendor-04/23/2025<br>| XXXX |  | DSCR is 1.03. Minimum required per guidelines is 1.<br> LTV is 70%. Maximum allowed per guidelines is 85%.<br> Borrower(s) have 18.37 months Reserves. Minimum required per guidelines is 3 months.<br> Credit Score is 802. Minimum required per guidelines is 640. | FL | Investment | Purchase | NA | 3875698 | Originator Post-Close | Yes |
| XXXX | 2013460 |  |  | Closed | 2025-04-16 09:50 | 2025-04-18 16:17 | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception made for borrower does not meet minimum tradeline requirements - Due Diligence Vendor-04/16/2025 |  | Waived-Exception made for borrower does not meet minimum tradeline requirements - Due Diligence Vendor-04/16/2025<br>|  |  | 1. DSCR is 1.03. Minimum required per guidelines is 1.<br> 2. No late payments ever on credit report. <br> 3. LTV is 70%. Maximum allowed per guidelines is 85%. | FL | Investment | Purchase | NA | 3875708 | Originator Pre-Close | Yes |
| XXXX | 2016441 |  |  | Closed | 2025-04-18 16:46 | 2025-04-22 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received BPL disclosure, finding resolved - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/18/2025 <br>Open-Checkbox not selected on business purpose disclosure - Due Diligence Vendor-04/18/2025 |  | Resolved-Received BPL disclosure, finding resolved - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3902792 | N/A | N/A |
| XXXX | 2013462 |  |  | Closed | 2025-04-18 15:38 | 2025-04-22 16:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received settlement statement, finding resolved - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/18/2025 <br>Open-Missing settlement statement/final closing disclosure for the purchase of the property - Due Diligence Vendor-04/18/2025 |  | Resolved-Received settlement statement, finding resolved - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3901918 | N/A | N/A |
| XXXX | 2018534 |  |  | Closed | 2025-04-17 07:32 | 2025-04-24 12:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Coverage adequate with RCE. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Here is the policy that came with the email from the agent - Seller-04/23/2025 <br> Counter-Updated declarations page not included as referenced in the email provided. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. RCE - Seller-04/22/2025 <br> Open-Given dwelling amount $XXXX not covered the loan amount of $XXXX and there is no estimate cost in appraisal. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Here is the policy that came with the email from the agent - Seller-04/23/2025 <br>Ready for Review-Document Uploaded. RCE - Seller-04/22/2025<br>| Resolved-Coverage adequate with RCE. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 3886794 | N/A | N/A |
| XXXX | 2018534 |  |  | Closed | 2025-04-17 07:40 | 2025-04-22 19:37 | 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-04/22/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 3886814 | N/A | N/A |
| XXXX | 2018534 |  |  | Closed | 2025-04-17 07:57 | 2025-04-18 14:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-04/17/2025 <br>Open-Final HUD-1 Document is Missing. Final HUD-1 Document is missing in the file - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-04/17/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 3886881 | N/A | N/A |
| XXXX | 2018535 |  |  | Closed | 2025-04-17 11:55 | 2025-04-23 09:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide fraud report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | CT | Investment | Refinance | Cash Out - Other | 3888108 | N/A | N/A |
| XXXX | 2018535 |  |  | Closed | 2025-04-17 12:19 | 2025-04-21 12:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-04/18/2025 <br>Open-Final HUD-1 Document is Missing. Provide true and certified HUD1 as the one on file was missing borrower sign and settlement agent sign. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-04/18/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | CT | Investment | Refinance | Cash Out - Other | 3888253 | N/A | N/A |
| XXXX | 2018537 |  |  | Closed | 2025-04-17 04:30 | 2025-04-21 16:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one file shows uncleared alerts. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/18/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3886289 | N/A | N/A |
| XXXX | 2018537 |  |  | Closed | 2025-04-17 05:10 | 2025-04-21 16:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-matched final with XXXX, all correct - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-04/17/2025 <br>Open-Final HUD-1 Document is Missing. Provide true and certified HUD-1 as the on file is missing settlement agent sign. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-04/17/2025<br>| Resolved-matched final with XXXX, all correct - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3886419 | N/A | N/A |
| XXXX | 2018547 |  |  | Closed | 2025-04-17 05:27 | 2025-04-23 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/22/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3886460 | N/A | N/A |
| XXXX | 2018547 |  |  | Closed | 2025-04-18 17:37 | 2025-04-21 17:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-reviewed and accepted Final HUD - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-04/18/2025 <br>Open-Final HUD-1 Document is Missing. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-04/18/2025<br>| Resolved-reviewed and accepted Final HUD - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3903511 | N/A | N/A |
| XXXX | 2016447 |  |  | Closed | 2025-04-28 15:13 | 2025-05-06 16:08 | Waived | 2 - Non-Material C B | Credit | Credit | Missing subject rental income documentation | Waived-Exception to use 1 month rent for Unit XXXX - lease started XXXX - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br> Counter-Since rent is not seasoned we cannot use the existing payments, this will still be a credit guideline breach. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-loan closed XXXX there would have only been 1 month w/ start date of leases - Buyer-04/29/2025 <br> Open-Per matrix, most recent 2 months rental deposits required, Unit 3 has 1 month prorated and Unit 4 has only security deposit listed - Due Diligence Vendor-04/28/2025 |  | Waived-Exception to use 1 month rent for Unit XXXX - lease started XXXX - Due Diligence Vendor-05/06/2025 | XXXX |  | No history of derogatory payments on credit ever<br> Rate reduction from 12.9% to 8.75<br> Credit Score is 794. Minimum required per guidelines is 700.<br> Reserves for 8.37 months (6 months required) | AZ | Investment | Refinance | Cash Out - Other | 3979575 | Originator Post-Close | Yes |
| XXXX | 2016447 |  |  | Closed | 2025-04-24 22:24 | 2025-05-02 00:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Received exception for the credit deficiency. Finding has been waived - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/29/2025 <br>Open-Borrowers who do not have a complete 12-month housing history are subject to the following restrictions: Primary residence only - Due Diligence Vendor-04/24/2025 |  | Waived-Received exception for the credit deficiency. Finding has been waived - Due Diligence Vendor-05/02/2025<br>| XXXX |  | No history of derogatory payments on credit ever<br> Rate reduction from 12.9% to 8.75<br> Credit Score is 794. Minimum required per guidelines is 700.<br> Reserves for 8.37 months (6 months required) | AZ | Investment | Refinance | Cash Out - Other | 3957704 | Originator Post-Close | Yes |
| XXXX | 2016447 |  |  | Closed | 2025-04-17 10:48 | 2025-04-30 23:18 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received documentation on borrower living free with Spouse. Finding is resolved and cleared. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/28/2025 <br>Counter-Missing LOX for borrower living rent free - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/23/2025 <br>Counter-Borrower does not own a primary residence on a DSCR loan - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. in spouses name<br> - Seller-04/21/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Required 12 months housing history. We do not have supporting document to verify Primary housing history. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. in spouses name<br> - Seller-04/21/2025<br>| Resolved-Received documentation on borrower living free with Spouse. Finding is resolved and cleared. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 3887468 | N/A | N/A |
| XXXX | 2016447 |  |  | Closed | 2025-04-21 16:00 | 2025-04-29 16:07 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Counter-Uploaded document does not provide the EIN, it states "Even as a single-member LLC, obtaining an Employer Identification Number (EIN) from the IRS is necessary", please provide the EIN for the entity. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Please see uploaded XXXX XXXX Entity - Seller-04/23/2025 <br> Counter-Missing EIN - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Entity Formation Doc Indicator is Missing. EIN documentation from state or W-9 missing from file - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Ready for Review-Document Uploaded. Please see uploaded ARIZONA SOLE Entity - Seller-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 3915435 | N/A | N/A |
| XXXX | 2016447 |  |  | Closed | 2025-04-21 15:50 | 2025-04-28 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease agreement, finding resolved - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/25/2025 <br> Counter-Tenant names do not match between the lease agreement and the rental statement for Unit 4/Unit 5, missing lease agreement for tenants that moved from unit 4 to unit 5 - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Missing lease agreement for unit 5, tenant statement in file showing last date of XXXX - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Received lease agreement, finding resolved - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 3915338 | N/A | N/A |
| XXXX | 2016447 |  |  | Closed | 2025-04-17 10:13 | 2025-04-23 14:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception made for 70% LTV - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% Exception made for 70% LTV, missing additional comp factor due to DSCR requirement of 1.2 not being met - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Waived-Exception made for 70% LTV - Due Diligence Vendor-04/23/2025<br>| XXXX |  | No history of derogatory payments on credit ever<br> Rate reduction from 12.9% to 8.75<br> Credit Score is 794. Minimum required per guidelines is 700. | AZ | Investment | Refinance | Cash Out - Other | 3887249 | Originator Pre-Close | Yes |
| XXXX | 2016447 |  |  | Closed | 2025-04-21 16:20 | 2025-04-23 14:19 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR calc provided, finding resolved - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/21/2025 <br>Open-Missing DSCR calculation, vacant units can utilize 75% of market rent - Due Diligence Vendor-04/21/2025 |  | Resolved-DSCR calc provided, finding resolved - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 3915658 | N/A | N/A |
| XXXX | 2018548 |  |  | Closed | 2025-04-21 10:56 | 2025-04-24 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one on file shows low uncleared alert. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 3912047 | N/A | N/A |
| XXXX | 2018542 |  |  | Closed | 2025-04-21 05:09 | 2025-04-28 18:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Corrected 1003 - Seller-04/24/2025 <br> Open-The Final 1003 is Incomplete Borrower sign date on final 1003 is XXXX whereas note date is XXXX. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Corrected 1003 - Seller-04/24/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3911192 | N/A | N/A |
| XXXX | 2018542 |  |  | Closed | 2025-04-21 05:43 | 2025-04-25 18:31 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property free and clear. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. VOM - free and clear - Seller-04/23/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Provide proof of 12 months payment history for primary residence as it is not in file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. VOM - free and clear - Seller-04/23/2025<br>| Resolved-Property free and clear. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3911241 | N/A | N/A |
| XXXX | 2018542 |  |  | Closed | 2025-04-21 06:06 | 2025-04-24 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3911301 | N/A | N/A |
| XXXX | 2018542 |  |  | Closed | 2025-04-21 05:47 | 2025-04-23 10:40 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided. Resolved - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/22/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/22/2025<br>| Resolved-Secondary Valuation or Additional Valuation (Freddie SSR) Provided. Resolved - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3911254 | N/A | N/A |
| XXXX | 2018538 |  |  | Closed | 2025-04-22 07:33 | 2025-04-28 14:13 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. Final SS showing the borrower did not get over $XXXX back - Seller-04/24/2025 <br> Open-Cash Out is not completed according to the guideline requirements Transaction is Refinance-cash out and subject LTV is 75%. Per GL matrix, maximum cash in hand should be $XXXX. However, final HUD1 shows cash to close amount as $XXXX - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Final SS showing the borrower did not get over $500k back - Seller-04/24/2025<br>|  | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3922406 | N/A | N/A |
| XXXX | 2018538 |  |  | Closed | 2025-04-22 07:30 | 2025-04-25 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/24/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/24/2025<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3922399 | N/A | N/A |
| XXXX | 2018544 |  |  | Closed | 2025-04-22 04:22 | 2025-04-25 19:25 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0 and R&W is eligible. System updated. Resolved. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/25/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/25/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of 1.0 and R&W is eligible. System updated. Resolved. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | TN | Investment | Refinance | Cash Out - Other | 3921914 | N/A | N/A |
| XXXX | 2018544 |  |  | Closed | 2025-04-22 04:32 | 2025-04-25 19:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 1 Medium alerts, none of which were cleared; and 2 Low Alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/25/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | TN | Investment | Refinance | Cash Out - Other | 3921946 | N/A | N/A |
| XXXX | 2018544 |  |  | Closed | 2025-04-22 04:51 | 2025-04-25 19:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final ALTA Settlement Statement provided. System updated. Resolved. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Final HUD1 stamped certified and signed by all parties - Seller-04/25/2025 <br>Open-Final HUD-1 Document is Missing. • Final HUD-1 or Final Settlement Statement Document is Missing. File needs the document that is clearly marked as "Final" by either a settlement agent signature or stamp. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Final HUD1 stamped certified and signed by all parties - Seller-04/25/2025<br>| Resolved-Final ALTA Settlement Statement provided. System updated. Resolved. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | TN | Investment | Refinance | Cash Out - Other | 3921972 | N/A | N/A |
| XXXX | 2018540 |  |  | Closed | 2025-04-21 13:59 | 2025-04-25 15:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/25/2025 <br>Resolved- - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Final HUD acknowledged by all parties - Seller-04/22/2025 <br>Open-Final HUD-1 Document is Missing. Provide true and certified final HUD as the one file is missing borrower and settlement agent signatures. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Final HUD acknowledged by all parties - Seller-04/22/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3913517 | N/A | N/A |
| XXXX | 2018540 |  |  | Closed | 2025-04-21 13:36 | 2025-04-24 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated credit report with all cleared alerts as the one on file shows uncleared alerts. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/23/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/24/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3913238 | N/A | N/A |
| XXXX | 2018540 |  |  | Closed | 2025-04-21 13:15 | 2025-04-23 10:20 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/22/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/22/2025<br>| Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/23/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3912966 | N/A | N/A |
| XXXX | 2018546 |  |  | Closed | 2025-04-22 05:20 | 2025-04-25 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one file shows uncleared alerts. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/24/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3922038 | N/A | N/A |
| XXXX | 2018546 |  |  | Closed | 2025-04-22 05:29 | 2025-04-25 09:30 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Calculated DSCR value is matching with the uploaded DSCR Worksheet, Verified - Resolved - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. DSCR - Seller-04/24/2025 <br>Open-Audited DSCR is 1.352 and lender DSCR is 1.2. the difference is 0.152.<br>This is because lender did not consider HOA amount of $350 whcih is mentioned on appraisal report.<br>Provide lender DSCR worksheet as it is missing from file, hence unable to validate lender calculations. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. DSCR - Seller-04/24/2025<br>| Resolved-Calculated DSCR value is matching with the uploaded DSCR Worksheet, Verified - Resolved - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3922075 | N/A | N/A |
| XXXX | 2018546 |  |  | Closed | 2025-04-22 05:25 | 2025-04-25 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/24/2025 <br>Open-The 1008 document is missing from the loan file. Per appraisal report there was an HOA amount of $350 for the property, however it is not listed on 1008 document. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/24/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/25/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3922062 | N/A | N/A |
| XXXX | 2018545 |  |  | Closed | 2025-04-24 13:45 | 2025-04-29 18:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy doc provided with the policy number on it. Issue resolved. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. Insurance - Seller-04/29/2025 <br>Open-Hazard Insurance Policy Partially Provided • The policy number is missing from the Hazard Insurance document. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. Insurance - Seller-04/29/2025<br>| Resolved-Hazard Insurance Policy doc provided with the policy number on it. Issue resolved. - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3949803 | N/A | N/A |
| XXXX | 2018545 |  |  | Closed | 2025-04-23 11:47 | 2025-04-28 18:43 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 2 High alerts, only 1 of which was cleared; and 5 Medium alerts, 1 of which was cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/28/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3935480 | N/A | N/A |
| XXXX | 2018545 |  |  | Closed | 2025-04-23 11:20 | 2025-04-26 14:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with an LCA score of 2.5 and is R&W eligible. System updated & resolved. - Due Diligence Vendor-04/26/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/25/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/25/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of 2.5 and is R&W eligible. System updated & resolved. - Due Diligence Vendor-04/26/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3935313 | N/A | N/A |
| XXXX | 2018545 |  |  | Closed | 2025-04-23 12:23 | 2025-04-24 13:42 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Insurance confirmed 100% Replacement Cost - Resolved.<br> - Due Diligence Vendor-04/23/2025 |  | Resolved-Insurance confirmed 100% Replacement Cost - Resolved.<br> - Due Diligence Vendor-04/23/2025<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 3935760 | N/A | N/A |
| XXXX | 2016426 |  |  | Closed | 2025-04-25 11:37 | 2025-04-30 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Requested Title Policy Provided hence resolved.<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/29/2025 <br>Open-Title Document is missing Missing title report from file, current documentation in file is ineligible - Due Diligence Vendor-04/25/2025 |  | Resolved-Requested Title Policy Provided hence resolved.<br> - Due Diligence Vendor-04/30/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | WI | Investment | Purchase | NA | 3960877 | N/A | N/A |
| XXXX | 2016426 |  |  | Closed | 2025-04-28 09:39 | 2025-04-28 14:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception made for limited tradelines on investment property - Due Diligence Vendor-04/28/2025 |  | Waived-Exception made for limited tradelines on investment property - Due Diligence Vendor-04/28/2025<br>|  |  | DSCR is 1.22. Minimum required per guidelines is 1.<br> LTV is 75%. Maximum allowed per guidelines is 80%. | WI | Investment | Purchase | NA | 3976148 | Originator Pre-Close | Yes |
| XXXX | 2016427 |  |  | Closed | 2025-05-05 13:35 | 2025-05-08 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Required Document provided, Changes made in system , Finding Resolved - Due Diligence Vendor-05/08/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/07/2025 <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 initials from the borrower - Due Diligence Vendor-05/05/2025 |  | Resolved-Required Document provided, Changes made in system , Finding Resolved - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4041625 | N/A | N/A |
| XXXX | 2016448 |  |  | Closed | 2025-04-30 13:32 | 2025-05-07 20:53 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/06/2025 <br>Counter-Updated document has two properties, we cannot tell the value or discern a solution for the value difference, please provide clarification on the value discrepancy. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Value difference is 29.03%, missing supporting documentation for discrepancy - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | NV | Investment | Refinance | No Cash Out - Borrower Initiated | 4002519 | N/A | N/A |
| XXXX | 2016448 |  |  | Closed | 2025-04-30 14:12 | 2025-05-07 15:31 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Rental coverage listed, finding resolved - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Open-Missing verbiage of rent loss covering 6 months - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Rental coverage listed, finding resolved - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | NV | Investment | Refinance | No Cash Out - Borrower Initiated | 4003109 | N/A | N/A |
| XXXX | 2016448 |  |  | Closed | 2025-04-30 14:28 | 2025-05-06 16:39 | Waived | 2 - Non-Material C B | Credit | Credit | Deficient subject rental income documentation. | Waived-Exception made for receipt of rental property income deposited as counter credit - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Open-Cannot utilize cash deposits for rental income - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Waived-Exception made for receipt of rental property income deposited as counter credit - Due Diligence Vendor-05/06/2025<br>| XXXX |  | Borrower(s) have 47.52 months Reserves. Minimum required per guidelines is 3 months.<br> Credit Score is 721. Minimum required per guidelines is 700.<br> DSCR is 1.43. Minimum required per guidelines is 1. | NV | Investment | Refinance | No Cash Out - Borrower Initiated | 4003376 | Originator Post-Close | Yes |
| XXXX | 2016448 |  |  | Closed | 2025-04-30 14:10 | 2025-05-01 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/30/2025 <br>Open-Title Document is Incomplete Missing vesting in LLC - Due Diligence Vendor-04/30/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | NV | Investment | Refinance | No Cash Out - Borrower Initiated | 4003088 | N/A | N/A |
| XXXX | 2016448 |  |  | Closed | 2025-04-30 12:53 | 2025-05-01 15:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Resolved-Received HUD, finding resolved - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/01/2025 <br> Open-Disbursement date listed as XXXX with a settlement date of XXXX - Due Diligence Vendor-04/30/2025 |  | Resolved-Received HUD, finding resolved - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | NV | Investment | Refinance | No Cash Out - Borrower Initiated | 4002041 | N/A | N/A |
| XXXX | 2016425 |  |  | Closed | 2025-05-01 15:01 | 2025-05-12 18:43 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Received RCE, finding resolved - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/09/2025 <br> Open-Replacement cost 80% shows an amount of $XXXX, HOI coverage listed at $XXXX - Due Diligence Vendor-05/01/2025 |  | Resolved-Received RCE, finding resolved - Due Diligence Vendor-05/12/2025<br>| XXXX |  |  | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 4015382 | N/A | N/A |
| XXXX | 2016425 |  |  | Closed | 2025-05-01 15:05 | 2025-05-05 18:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-Title Document is missing Missing vesting in borrowers name, currently showing incorrect last name - Due Diligence Vendor-05/01/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 4015423 | N/A | N/A |
| XXXX | 2016425 |  |  | Closed | 2025-05-01 14:43 | 2025-05-05 18:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for rural property with less than 2 acres - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-Loan does not conform to program guidelines Investment will be reviewed on a case by case basis if the home has less than 2 acres in lot size - Due Diligence Vendor-05/01/2025 |  | Waived-Exception made for rural property with less than 2 acres - Due Diligence Vendor-05/05/2025<br>| XXXX |  | LTV is 62.4%. Maximum allowed per guidelines is 80%.<br> DSCR is 1.33. Minimum required per guidelines is 1. | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 4015035 | Originator Post-Close | Yes |
| XXXX | 2016435 |  |  | Closed | 2025-05-02 15:49 | 2025-05-06 16:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception made for 75% LTV, current LTV 79.89% - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-Audited LTV of 79.89% exceeds Guideline LTV of 75% Short-term rental income utilized, 5% reduction in LTV required - Due Diligence Vendor-05/02/2025 |  | Waived-Exception made for 75% LTV, current LTV 79.89% - Due Diligence Vendor-05/06/2025<br>| XXXX |  | DSCR is 1.38. Minimum required per guidelines is 1<br> Credit Score is 753. Minimum required per guidelines is 660.<br> No mortgage lates in 4+ years | VA | Investment | Refinance | No Cash Out - Borrower Initiated | 4028662 | Originator Post-Close | Yes |
| XXXX | 2016435 |  |  | Closed | 2025-05-02 09:11 | 2025-05-05 18:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for investment property being rural - Due Diligence Vendor-05/02/2025 |  | Waived-Loan does not conform to program guidelines Exception made for investment property being rural - Due Diligence Vendor-05/02/2025<br>|  |  | DSCR is 1.38. Minimum required per guidelines is 1<br> Credit Score is 753. Minimum required per guidelines is 660.<br> No mortgage lates in 4+ years | VA | Investment | Refinance | No Cash Out - Borrower Initiated | 4024767 | Originator Pre-Close | Yes |
| XXXX | 2016435 |  |  | Closed | 2025-05-02 09:09 | 2025-05-05 09:32 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Updated Loan Approval uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-Loan Purpose is incorrect in Approval Document, Required Updated document.<br> - Due Diligence Vendor-05/02/2025 |  | Resolved-Updated Loan Approval uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | VA | Investment | Refinance | No Cash Out - Borrower Initiated | 4024760 | N/A | N/A |
| XXXX | 2016430 |  |  | Closed | 2025-05-09 09:14 | 2025-05-13 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax Provided. - Due Diligence Vendor-05/13/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open-Missing Evidence of Property Tax Property tax missing from file - Due Diligence Vendor-05/09/2025 |  | Resolved-Evidence of Property Tax Provided. - Due Diligence Vendor-05/13/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 4091002 | N/A | N/A |
| XXXX | 2016432 |  |  | Closed | 2025-05-09 14:40 | 2025-05-14 20:43 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/14/2025 <br>Ready for Review-No rental income is being used to qualify - Buyer-05/13/2025 <br>Open-Short-term rental income being utilized, missing 12 months statements verifying income monthly income - Due Diligence Vendor-05/09/2025 |  | Resolved-Finding resolved, clarification received - Due Diligence Vendor-05/14/2025<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 4094091 | N/A | N/A |
| XXXX | 2016434 |  |  | Closed | 2025-05-09 15:46 | 2025-05-14 20:44 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Clarification received, finding resolved - Due Diligence Vendor-05/14/2025 <br> Ready for Review-No rental income is being used - Only loss on XXXX - Buyer-05/13/2025 <br> Open-Short-term rental income being utilized, missing 12 months statements verifying income monthly income - Due Diligence Vendor-05/09/2025 |  | Resolved-Clarification received, finding resolved - Due Diligence Vendor-05/14/2025<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 4095780 | N/A | N/A |
| XXXX | 2016428 |  |  | Closed | 2025-05-09 13:07 | 2025-05-14 08:25 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Required Document provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-05/14/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. The UW advised the borrower pays rent from 3 diff accounts provided. - Buyer-05/13/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower is currently staying in rent, Vor document is missing in file to verify housing history. - Due Diligence Vendor-05/09/2025 |  | Resolved-Required Document provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-05/14/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 4092617 | N/A | N/A |
| XXXX | 2016428 |  |  | Closed | 2025-05-09 14:03 | 2025-05-13 18:24 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception made for DSCR/ Does Not own primary <br> - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open- Borrower should have own Primary residence for DSCR file. - Due Diligence Vendor-05/09/2025 |  | Waived-Exception made for DSCR/ Does Not own primary <br> - Due Diligence Vendor-05/13/2025<br>| XXXX |  | DSCR is 2.076. Minimum required per guidelines is 1.<br> LTV is 69.98%. Maximum allowed per guidelines is 75%. | AZ | Investment | Refinance | Cash Out - Other | 4093429 | Originator Post-Close | Yes |
| XXXX | 2016428 |  |  | Closed | 2025-05-09 14:04 | 2025-05-13 09:10 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Loan approval with correct FICO provided. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open-Fico score is incorrect in Loan approval document - Due Diligence Vendor-05/09/2025 |  | Resolved-Loan approval with correct FICO provided. - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 4093436 | N/A | N/A |
| XXXX | 2016429 |  |  | Closed | 2025-05-09 21:53 | 2025-05-14 20:47 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. The UW advised the borrower pays his rent from the 3 different account provided. She included the spreadsheet that she used. - Buyer-05/13/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing verification of rent for primary residence - Due Diligence Vendor-05/09/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 4101648 | N/A | N/A |
| XXXX | 2016429 |  |  | Closed | 2025-05-09 13:05 | 2025-05-13 18:25 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception made for DSCR/ Does Not own primary - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open-DSCR Does Not Meet Guideline Requirement : Borrower should have own Primary residence for DSCR file. - Due Diligence Vendor-05/09/2025 |  | Waived-Exception made for DSCR/ Does Not own primary - Due Diligence Vendor-05/13/2025<br>| XXXX |  | DSCR is 1.955. Minimum required per guidelines is 1.<br> LTV is 70%. Maximum allowed per guidelines is 75%. | AZ | Investment | Refinance | Cash Out - Other | 4092595 | Originator Post-Close | Yes |
| XXXX | 2016424 |  |  | Closed | 2025-05-10 15:06 | 2025-05-13 18:28 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Missing EMD deposit - Due Diligence Vendor-05/10/2025 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4105493 | N/A | N/A |
| XXXX | 2016433 |  |  | Closed | 2025-05-09 16:57 | 2025-05-15 13:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived-Exception made for no LOE - stating will remain in current primary res - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open-Letter of explanation missing verbiage stating borrower will continue to remain in the current primary residence - Due Diligence Vendor-05/09/2025 |  | Waived-Exception made for no LOE - stating will remain in current primary res - Due Diligence Vendor-05/15/2025<br>| XXXX |  | LTV is 54.16%. Maximum allowed per guidelines is 75%.<br> Credit Score is 757. Minimum required per guidelines is 660.<br> No derogatory credit history listed on credit report<br> Rate reduction from 8.375% to 6.25% | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4096924 | Originator Post-Close | Yes |
| XXXX | 2016433 |  |  | Closed | 2025-05-09 16:56 | 2025-05-15 13:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception made for DSCR/ does not own primary res - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower must own a primary residence - Due Diligence Vendor-05/09/2025 |  | Waived-Exception made for DSCR/ does not own primary res - Due Diligence Vendor-05/15/2025<br>| XXXX |  | LTV is 54.16%. Maximum allowed per guidelines is 75%.<br> Credit Score is 757. Minimum required per guidelines is 660.<br> No derogatory credit history listed on credit report<br> Rate reduction from 8.375% to 6.25% | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4096901 | Originator Post-Close | Yes |
| XXXX | 2016433 |  |  | Closed | 2025-05-09 16:55 | 2025-05-15 13:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception made for subject property located w/I 25 miles of primary res - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open-Loan does not conform to program guidelines Subject property located within 25 miles of primary residence - Due Diligence Vendor-05/09/2025 |  | Waived-Exception made for subject property located w/I 25 miles of primary res - Due Diligence Vendor-05/15/2025<br>| XXXX |  | LTV is 54.16%. Maximum allowed per guidelines is 75%.<br> Credit Score is 757. Minimum required per guidelines is 660.<br> No derogatory credit history listed on credit report<br> Rate reduction from 8.375% to 6.25% | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4096872 | Originator Post-Close | Yes |
| XXXX | 2016433 |  |  | Closed | 2025-05-09 04:29 | 2025-05-14 19:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file. - Due Diligence Vendor-05/09/2025 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/14/2025 | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4089978 | N/A | N/A |
| XXXX | 2016433 |  |  | Closed | 2025-05-09 12:51 | 2025-05-13 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document with corrected taxes provided. - Due Diligence Vendor-05/13/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/12/2025 <br>Open-The 1008 document is missing from the loan file. Tax amount is incorrect in provided 1008 document, Required updated document. - Due Diligence Vendor-05/09/2025 |  | Resolved-1008 document with corrected taxes provided. - Due Diligence Vendor-05/13/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4092461 | N/A | N/A |

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## Exhibit 99.50

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.50**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1790420 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007422 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1973082 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.61 | 60.61 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.5 | XXXX |
| 2000693 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2000682 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | -45000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -45000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016420 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.77 | 74.77 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013477 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1995584 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1995595 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Broker Price Opinion (BPO) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2020212 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | -19100 | XXXX | Other | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -19100 | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1995598 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 69.9 | 69.9 | XXXX | 0 | XXXX | Broker Price Opinion (BPO) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1995585 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.71 | 69.71 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013457 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 1996202 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016450 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | -4000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -4000 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016449 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.12 | 75.12 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007425 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.95 | 55.95 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013478 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 74.17 | 74.17 | XXXX | -8000 | XXXX | Broker Price Opinion (BPO) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | -8000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2000690 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.97 | 51.97 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007429 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 2000687 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007432 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | -5000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -5000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.7 | XXXX |
| 2007418 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 70.0 | 70.0 | XXXX | 140000 | XXXX | Broker Price Opinion (BPO) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 140000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007416 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007427 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.8 | XXXX |
| 2007419 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | -30000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -30000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 2013458 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013461 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.23 | 69.23 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007431 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013480 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007413 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 37.5 | 37.5 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2007414 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | -20000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -20000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013468 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013472 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 41.94 | 41.94 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016421 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.0 | 77.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013467 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.92 | 67.92 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013473 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | Eligible | 1.9 | XXXX |
| 2013479 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| 2013470 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013475 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016444 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 70.0 | 70.0 | XXXX | 50000 | XXXX | Broker Price Opinion (BPO) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 50000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013465 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2018539 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  | 2.7 | XXXX |
| 2013463 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013474 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.65 | 63.65 | XXXX |  | XXXX |  | XXXX |  | XXXX |  | XXXX | 108000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013481 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013471 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX | 9000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013464 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016431 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.47 | 69.47 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013460 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016441 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.03 | 64.03 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2013462 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.88 | 71.88 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2018534 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2018535 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2018537 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.41 | 56.41 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  | 3 | XXXX |
| 2018547 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2016447 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Broker Price Opinion (BPO) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2018548 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| 2018542 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 2018538 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | -20000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -20000 | XXXX | XXXX | Low | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2018544 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| 2018540 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| 2018546 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016442 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| 2018545 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.18 | 53.18 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| 2016426 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| 2016427 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016448 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 70.0 | 70.0 | XXXX | 225000 | XXXX | Broker Price Opinion (BPO) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | 225000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016425 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 62.4 | 62.4 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016435 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.89 | 79.89 | XXXX | -28000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -28000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016430 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016432 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX | 50000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016434 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016428 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.98 | 69.98 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016429 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016424 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016422 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 75.0 | 75.0 | XXXX | -25000 | XXXX | Broker Price Opinion (BPO) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | XXXX | -25000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| 2016433 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.16 | 54.16 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  | XXXX |  |  | XXXX |

---

## Exhibit 99.51

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.51**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 1790420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 683 | 683 | 688 | 624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 9725 | Taxes and Insurance | 31 | 256772.74 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.25 | 8.25 | 5895.31 | 5895.31 | 2143.25 | 8283.73 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 40731.25 | 6 | 49911 | 516 | 2 | 0.2667953986906508 | 3 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 666 | 666 | 658 | 677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 3537.96 | No Escrow | 34.92 | 186564.13 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 4507.15 | 4507.15 | 0 | 5342.09 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 13359.94 | 2 | 214000 | 245 | 27 | 0.8855856918238993 | 2 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 1973082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 641 | 652 | 641 | 633 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 12973.61 | Taxes and Insurance | 111.23 | 1443080.8 | XXXX | XXXX | 60.61 | 60.61 | 60.61 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.5 | 8.5 | 11533.7 | 11533.7 | 1439.91 | 12973.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 1443080.8 | 35895 | 2 | 100638 | 222 | 0 | 0 | 10 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2000693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | false | XXXX | 729 | 751 | 724 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 16026 | Taxes and Insurance | 102.07 | 384744.83 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 2858.48 | 2858.48 | 660.76 | 3769.24 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 384744.83 | 3990 | 5 | 36000 | 136 | 6 | 0.13186111111111112 | 4.5 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2000682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 760 | 736 | 760 | 764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1151 | Taxes and Insurance | 102.96 | 316652.38 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 2468.44 | 2468.44 | 606.96 | 3075.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 316652.38 | 3487.5 | 2 | 24641 | 256 | 5 | 0.3413488372093023 |  | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 755 | 762 | 755 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8113 | Taxes and Insurance | 43.66 | 192058.04 | XXXX | XXXX | 74.77 | 74.77 | 74.77 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.625 | 8.625 | 3780.06 | 3780.06 | 611 | 4399.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4860 | 2 | 98081 | 243 | 11 | 0.1673254281949934 | 7 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 758 | 734 | 791 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 14358 | Taxes and Insurance | 730.41 | 1085137.67 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1051.55 | 1051.55 | 254.1 | 1485.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3045 | 4 | 60000 | 464 | 7 | 0.2665797273266153 | 0.25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 1995584 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | false | XXXX | 730 | 730 | 728 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 13019 | Taxes and Insurance | 129.19 | 225462.26 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 1657.14 | 1657.14 | 87.99 | 1745.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 225462.26 | 7110 | 3 | 68500 | 289 | 9 | 0.5807526875215516 | 11 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 1995595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 764 | 757 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 783 | 783 | 761 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 17657 | Taxes and Insurance | 6.75 | 52160.79 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 5730.28 | 5730.28 | 1996.36 | 7726.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | No | XXXX | 5-10 Unit Multi-Family | 6 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 8400 | 4 | 175323 | 362 | 8 | 0.18932770115527509 | 4 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2020212 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 753 | 668 | 770 | 753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8084 | Taxes and Insurance | 108.98 | 143086.67 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.99 | 7.99 | 1209.01 | 1209.01 | 103.92 | 1312.93 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 114071.83 | 0 | 2 | 35000 | 341 | 5 | 0.7678471051152332 | 11 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 1995598 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 765 | 765 | 751 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NY | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 466 | Taxes and Insurance | 114.13 | 499914.58 | XXXX | XXXX | 69.9 | 69.9 | 69.9 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 3623.9 | 3623.9 | 756.31 | 4380.21 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 6 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 470675.68 | 9996 | 2 | 21000 | 163 | 2 | 0.11714814814814815 | 34.75 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 1995585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 715 | 696 | 715 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2506 | Taxes and Insurance | 37.73 | 66753.11 | XXXX | XXXX | 69.71 | 69.71 | 69.71 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1596.71 | 1596.71 | 172.69 | 1769.4 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 66753.11 | 7110 | 2 | 7338 | 237 | 8 | 0.27530364372469635 | 9.00 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 706 | 706 | 732 | 702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6497 | Taxes and Insurance | 30.06 | 53001.45 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.25 | 8.25 | 1549.49 | 1549.49 | 213.64 | 1763.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Correspondent Bulk | No | XXXX |  |  |  | No | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 20955.56 | 6187.51 | 2 | 23921 | 381 | 16 | 0.7301540148987706 | 20.75 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 1996202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 669 | 697 | 669 | 669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3161 | Taxes and Insurance | 4.04 | 6242.25 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 1353.72 | 1353.72 | 193.22 | 1546.94 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 120.45 | 3919.98 | 5 | 30000 | 123 | 16 | 0.34638116846284744 | 3 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 731 | 731 | 699 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1977 | Taxes and Insurance | 24.82 | 60257.42 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 2256.7 | 2256.7 | 171.28 | 2615.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 8857.5 | 1 | 34000 | 195 | 21 | 0.3175301204819277 | 4.41 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | No | false | XXXX | 742 | 742 | 753 | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1400 | Taxes and Insurance | 10.38 | 43905.25 | XXXX | XXXX | 75.12 | 75.12 | 75.12 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7 | 3131.08 | 3131.08 | 1097.09 | 4228.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 12942.19 | 1 | 21008 | 33 | 4 | 0 | 1.83 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 734 | 732 | 734 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3101 | Taxes and Insurance | 21.49 | 66260.98 | XXXX | XXXX | 55.95 | 55.95 | 55.95 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 2464.29 | 2464.29 | 619.4 | 3083.69 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 66260.98 | 10368 | 2 | 49076 | 294 | 8 | 0.24217153284671533 | 8 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013478 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 722 | 722 | 690 | 762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 14704 | Taxes and Insurance | 6.89 | 38253.85 | XXXX | XXXX | 74.17 | 74.17 | 74.17 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.25 | 8.25 | 3671.25 | 3671.25 | 1879.06 | 5550.31 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | No | XXXX | 5-10 Unit Multi-Family | 8 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9345 | 6 | 41603 | 297 | 12 | 0.41860628436133074 | 3.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2000690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 671 | 644 | 722 | 671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4854 | Taxes and Insurance | 126.19 | 178599.86 | XXXX | XXXX | 51.97 | 51.97 | 51.97 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1262.03 | 1262.03 | 153.25 | 1415.28 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 178599.86 | 1156.25 | 2 | 38599 | 232 | 11 | 0.4685411108779713 | 18.50 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 658 | 652 | 665 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 24381 | Taxes and Insurance | 174.53 | 506843.23 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 2255.53 | 2255.53 | 648.45 | 2903.98 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 10311 | 10 | 21800 | 303 | 5 | 0.11355455568053993 | 2.42 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2000687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 795 | 797 | 795 | 756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2849 | Taxes and Insurance | 128.96 | 317808.27 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 2074.22 | 2074.22 | 390.16 | 2464.38 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 317808.27 | 6750 | 2 | 22000 | 244 | 15 | 0.9648485182860808 | 16.75 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 671 | 679 | 671 | 647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 3.59 | 12.64 | 37142.03 | .00 | .00 | .00 | 37142.03 | Employed |  |  |  | 7.05 |  |  |  | NA | 32446.93 | 4695.1 | Taxes and Insurance | 109.47 | 329451.47 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 2447.25 | 2447.25 | 562.26 | 3009.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 329451.47 | 12207.5 | 2 | 6500 | 253 | 4 | 0.010319148936170213 | 24 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 809 | 813 | 809 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10242 | Taxes and Insurance | 166.74 | 2145979.65 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 10079.21 | 10079.21 | 2791.25 | 12870.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | No | XXXX | 5-10 Unit Multi-Family | 8 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 11655 | 3 | 10000 | 226 | 6 | 0.0012009237875288683 | 5.08 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 783 | 793 | 783 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2641 | Taxes and Insurance | 21.76 | 31311.92 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1088.23 | 1088.23 | 351 | 1439.23 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Attached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 31311.92 | 0 | 2 | 33200 | 166 | 15 | 0.010505478967833156 | 5.08 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 774 | 764 | 759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3320.16 | No Escrow | 120.82 | 169855.19 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1202.59 | 1202.59 | 0 | 1376.63 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 169855.19 | 4908.75 | 2 | 73616 | 256 | 19 | 0.0877610693400167 | 25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 732 | 732 | 704 | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5414 | Taxes and Insurance | 9.92 | 30053.93 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 2551.71 | 2551.71 | 478.42 | 3030.13 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 30053.93 | 11362.5 | 3 | 24750 | 352 | 9 | 0.5234279519022275 | 22.17 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 793 | 796 | 780 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 22046 | Taxes and Insurance | 54.98 | 549350.16 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 8145.92 | 8145.92 | 1846.74 | 9992.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 21700 | 4 | 33000 | 240 | 4 | 0.11170454545454546 | 4 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 735 | 735 | 762 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1220 | Taxes and Insurance | 21.26 | 47421.7 | XXXX | XXXX | 69.23 | 69.23 | 69.23 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.75 | 7.75 | 1934.31 | 1934.31 | 295.75 | 2230.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 47421.7 | 5400 | 2 | 463060 | 186 | 11 | 0 | 1.91 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 718 | 732 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2461 | Taxes and Insurance | 94.81 | 203921.22 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1480.16 | 1480.16 | 670.66 | 2150.82 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 203921.22 | 3020.88 | 2 | 32300 | 72 | 6 | 0.11069109947643979 | 2.33 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 803 | 805 | 785 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 25 | Taxes and Insurance | 15.85 | 21328.21 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 978.9 | 978.9 | 366.41 | 1345.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | Yes | Y | 60 | 5%, 5%, 5%, 5%, 5% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Attached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 21328.21 | 0 | 1 | 29000 | 221 | 1 | 0.08927586206896551 | 4.08 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 801 | 801 | 806 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8317 | Taxes and Insurance | 35.1 | 207699.48 | XXXX | XXXX | 37.5 | 37.5 | 37.5 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.5 | 6.5 | 4875 | 4875 | 1042.99 | 5917.99 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 21757.49 | 6750 | 3 | 70000 | 358 | 5 | 0.11271111111111111 | 6 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2007414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 747 | 748 | 747 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4499 | Taxes and Insurance | 59.9 | 199080.41 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 2552.6 | 2552.6 | 770.68 | 3323.28 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 199080.41 | 0 | 2 | 29000 | 365 | 4 | 0 | 4 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 808 | 808 | 835 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1989 | Taxes and Insurance | 21.28 | 32914.01 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1074.43 | 1074.43 | 472.49 | 1546.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 1695 | 2 | 26000 | 211 | 4 | 0.039559228650137744 | 4.25 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 783 | 790 | 782 | 783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5577 | Taxes and Insurance | 30.24 | 201931.04 | XXXX | XXXX | 41.94 | 41.94 | 41.94 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 4270.04 | 4270.04 | 2407.91 | 6677.95 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 201931.04 | 0 | 1 | 15026 | 397 | 5 | 0.06434285714285715 | 10.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 755 | 752 | 760 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9416 | Taxes and Insurance | 15.61 | 111334.87 | XXXX | XXXX | 77 | 77 | 77 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 6737.5 | 6737.5 | 394.8 | 7132.3 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 24 | 5%, 5% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 19996.9 | 2 | 60423 | 254 | 9 | 0.14783266129032258 | 3 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 684 | 684 | 664 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1615 | Taxes and Insurance | 37 | 162250.68 | XXXX | XXXX | 67.92 | 67.92 | 67.92 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 3806.61 | 3806.61 | 578.04 | 4384.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 140120.79 | 1968.75 | 2 | 22500 | 203 | 14 | 0.0003169014084507042 | 2 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013473 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 813 | 813 | 811 | 819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 746 | 699 | 765 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 12681 | Taxes and Insurance | 237.75 | 1713347.73 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 5243.92 | 5243.92 | 1928.67 | 7206.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 4042.5 | 4 | 65500 | 234 | 2 | 0.33006766917293234 | 8 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 729 | 729 | 746 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1165 | Taxes and Insurance | 81.16 | 281612.57 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 3041.74 | 3041.74 | 427.91 | 3469.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9669.38 | 2 | 16500 | 289 | 4 | 0.08066666666666666 | 4.25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013470 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 702 | 702 | 710 | 692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 8373 | Taxes and Insurance | 33.78 | 113492.33 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 2804.55 | 2804.55 | 509.84 | 3359.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 113492.33 | 6016.5 | 3 | 90952 | 226 | 15 | 0.6353542600896861 | 5.42 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 737 | 751 | 729 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 142 | Taxes and Insurance | 3.01 | 12621.82 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.75 | 8.75 | 3430.01 | 3430.01 | 759.75 | 4189.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | No | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 7630 | 1 | 10000 | 66 | 11 | 0.11397328953624065 | 3 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016444 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 771 | 771 | 767 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 14980 | Taxes and Insurance | 7.57 | 53717.64 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 6667.83 | 6667.83 | 430.75 | 7098.58 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 5 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 0 | 7 | 23000 | 232 | 6 | 0.10725490196078431 | 3 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 738 | 738 | 727 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5965 | Taxes and Insurance | 34.9 | 175452.21 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.375 | 7.375 | 4375.22 | 4375.22 | 651.75 | 5026.97 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 102867.87 | 6500 | 2 | 10000 | 238 | 3 | 0.8375897435897436 | 5 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 718 | 724 | 706 | 718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 701 | 701 | 645 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 18.06 | 41.61 | 22457.19 | 1842.00 | .00 | .00 | 24299.19 | Employed | Not Employed |  |  | 26.74 |  |  |  | Yes | 14187.82 | 10111.37 | No Escrow | 46.58 | 342286.66 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | 6545.38 | 6545.38 | 0 | 7348.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 4038.34 | 2 | 31100 | 340 | 26 | 0.1886404160475483 | 1 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013463 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 778 | 788 | 766 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1267 | Taxes and Insurance | 32.47 | 101004.71 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.25 | 6.25 | 2285.16 | 2285.16 | 825.4 | 3110.56 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 101004.71 | 2145 | 2 | 26000 | 386 | 7 | 0.13536283185840708 | 14.17 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 702 | 720 | 731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10556 | Taxes and Insurance | 238.28 | 3594475.53 | XXXX | XXXX | 63.65 | 63.65 | 63.65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7 | 13306.04 | 13306.04 | 1778.85 | 15084.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 1861155.22 | 22499.99 | 1 | 200000 | 666 | 8 | 0.6209591319441923 | 9.5 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013481 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 747 | 754 | 747 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4382 | Taxes and Insurance | 7.68 | 29953.98 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 2791.25 | 2791.25 | 1108.83 | 3900.08 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 29953.98 | 17902.5 | 2 | 50500 | 171 | 7 | 0.01908523266332767 | 0.50 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 773 | 773 | 788 | 724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 10396 | Taxes and Insurance | 34.18 | 60533.83 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 1362.06 | 1362.06 | 408.79 | 1770.85 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4462.5 | 3 | 43000 | 213 | 15 | 0.1783448803311139 | 3.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013464 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 743 | 742 | 743 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 33069 | Taxes and Insurance | 243.43 | 381575.21 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 1240.44 | 1240.44 | 327.04 | 1567.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 3346.88 | 15 | 35346 | 229 | 11 | 0.02653393665158371 | 0.42 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 764 | 757 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 783 | 783 | 761 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 28280 | Taxes and Insurance | 42.79 | 240042.65 | XXXX | XXXX | 69.47 | 69.47 | 69.47 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.375 | 6.375 | 4117.54 | 4117.54 | 1492.23 | 5609.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 6600 | 5 | 175323 | 363 | 8 | 0.18789332794585586 | 4.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 802 | 806 | 781 | 802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 6730 | Taxes and Insurance | 18.37 | 46357.53 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 1714.45 | 1714.45 | 809.62 | 2524.07 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 0 | 3 | 42600 | 345 | 5 | 0.0036996336996337 | 2 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 801 | 794 | 815 | 801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 11296 | Taxes and Insurance | 104.14 | 191685.68 | XXXX | XXXX | 64.03 | 64.03 | 64.03 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1346.05 | 1346.05 | 494.66 | 1840.71 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Attached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 191685.68 | 3073.5 | 3 | 15769 | 291 | 2 | 0 | 3.25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2013462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 763 | 754 | 779 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 751 | 754 | 747 | 751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 787 | Taxes and Insurance | 103.56 | 182668.82 | XXXX | XXXX | 71.88 | 71.88 | 71.88 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 1288.63 | 1288.63 | 425.27 | 1763.9 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 182668.82 | 2012.5 | 1 | 35300 | 324 | 4 | 0.36851706243119986 | 12.67 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 659 | 659 | 637 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1761 | Taxes and Insurance | 22.35 | 45777.3 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1783.64 | 1783.64 | 264.35 | 2047.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 45777.3 | 0 | 2 | 0 | 407 | 0 | 0 | 4.00 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018535 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 623 | 620 | 623 | 658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 92.74 | 361516.32 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 2957.07 | 2957.07 | 940.94 | 3898.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 315511.63 | 8679.61 | 2 | 0 | 218 | 0 | 0 | 4.00 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 760 | 780 | 737 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 115.71 | 204654.59 | XXXX | XXXX | 56.41 | 56.41 | 56.41 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 1426.92 | 1426.92 | 377.29 | 1768.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 48 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 204654.59 | 9096.4 | 3 | 0 | 239 | 0 | 0 | 20.00 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 747 | 747 | 749 | 733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 775 | 775 | 802 | 770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Unknown | 62.67 | 317196.15 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 4160 | 4160 |  | 5061.54 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 4555.67 | 7227.2 | 3 | 0 | 192 | 0 | 0 | 10 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 794 | 794 | 777 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1616 | Taxes and Insurance | 13.62 | 139550.55 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.75 | 8.75 | 9340.63 | 9340.63 | 906.93 | 10247.56 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | No | XXXX | 5-10 Unit Multi-Family | 8 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 53779.92 | 35227.5 | 1 | 53294 | 133 | 9 | 0.0005555555555555556 | 2 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 713 | 708 | 713 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 12.8 | 35.29 | 43048.00 | .00 | .00 | .00 | 43048.00 | Employed |  |  |  | 4.28 |  |  |  | NA | 27855.33 | 15192.67 | Taxes and Insurance | 77.53 | 374038.39 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.25 | 8.25 | 3906.59 | 3906.59 | 918.08 | 4824.67 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6625 | 1 | 36108 | 237 | 13 | 0.1708532423208191 | 0.08 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 711 | 702 | 711 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 80.33 | 344984.33 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 3223.28 | 3223.28 | 1071.14 | 4294.42 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 2608.55 | 1 | 0 | 323 | 0 | 0 | 23.08 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 785 | 771 | 788 | 785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 135.23 | 512153.59 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 3537.02 | 3537.02 | 250.31 | 3787.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 512153.59 | 5250 | 7 | 0 | 390 | 0 | 0 | 19.00 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 655 | 653 | 655 | 657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 21.13 | 27802.5 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.125 | 8.125 | 1143.45 | 1143.45 | 172.28 | 1315.73 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 27802.5 | 2772.5 | 2 | 0 | 274 | 0 | 0 | 3.50 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 724 | 740 | 724 | 716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 98.69 | 201304.96 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 1531.71 | 1531.71 | 508.04 | 2039.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 167695.27 | 2217.19 | 3 | 0 | 118 | 0 | 0 | 1.00 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 676 | 676 | 695 | 664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 90.68 | 401010.74 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 2902.04 | 2902.04 | 96.24 | 4438.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 380291.15 | 4584.83 | 3 | 0 | 135 | 0 | 0 | 2.08 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 731 | 699 | 731 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 728 | 708 | 728 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5955 | Taxes and Insurance | 115.15 | 257441.1 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 1822.98 | 1822.98 | 412.77 | 2235.75 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 257441.1 | 8671.880000000001 | 5 | 19670 | 452 | 5 | 0.34106841110237407 | 2 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2018545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 631 | 646 | 627 | 631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 67.18 | 191251.59 | XXXX | XXXX | 53.18 | 53.18 | 53.18 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.5 | 8.5 | 1799.26 | 1799.26 | 1047.44 | 2846.7 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 191251.59 | 7574.95 | 3 | 0 | 209 | 0 | 0 | 3 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 732 | 725 | 750 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 3731 | Taxes and Insurance | 67.87 | 220991.67 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 2501.18 | 2501.18 | 754.81 | 3255.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 2784.38 | 3 | 41070 | 292 | 4 | 0 | 3.41 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 718 | 700 | 718 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5106.78 | No Escrow | 36.72 | 99820.01 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7 | 7 | 2055.81 | 2055.81 | 0 | 2718.75 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 11453.81 | 2 | 37026 | 160 | 15 | 0.03655631812676625 | 1.66 | No |  | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 721 | 730 | 713 | 721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 735 | 739 | 727 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9368 | Taxes and Insurance | 47.52 | 201165.38 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 3839.78 | 3839.78 | 393.54 | 4233.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 7 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 131 | 16275 | 7 | 7500 | 233 | 1 | 0.7776 | 7 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016425 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 714 | 714 | 726 | 706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 36273.92 | Taxes and Insurance | 44.67 | 268463.19 | XXXX | XXXX | 62.4 | 62.4 | 62.4 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 4387.5 | 4387.5 | 1622.16 | 6009.66 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | C | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 250 | 1950 | 14 | 64438 | 352 | 10 | 0.2380707592687788 | 7.25 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 753 | 726 | 753 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 9918 | Taxes and Insurance | 3.24 | 7106.85 | XXXX | XXXX | 79.89 | 79.89 | 79.89 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 2024.29 | 2024.29 | 168.35 | 2192.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 4%, 3% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 371.65 | 8580 | 4 | 59200 | 223 | 8 | 0.36414940364092907 | 1.67 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 716 | 767 | 716 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 5400 | No Escrow | 112.89 | 329130.75 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 2501.49 | 2501.49 | 0 | 2915.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 4 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 329130.75 | 9487.5 | 2 | 78682 | 162 | 21 | 0.2637033166629345 | 20.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 764 | 764 | 790 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 27609 | Taxes and Insurance | 30.51 | 574137.33 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 14334.02 | 14334.02 | 4481.34 | 18815.36 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 574137.33 | 33150 | 5 | 24161 | 540 | 8 | 0.1413030303030303 | 8 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 764 | 764 | 790 | 725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 24410 | Taxes and Insurance | 19.59 | 317638.6 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 12277.96 | 12277.96 | 3935.16 | 16213.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 317638.6 | 28762.5 | 5 | 24161 | 540 | 8 | 0.1413030303030303 | 8 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 752 | 717 | 765 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 50204 | Taxes and Insurance | 28.04 | 309744.45 | XXXX | XXXX | 69.98 | 69.98 | 69.98 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 9731.25 | 9731.25 | 1315.67 | 11046.92 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 115512.45 | 0 | 7 | 60000 | 247 | 9 | 0.020733722060252674 | 3.83 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 752 | 717 | 765 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 72107 | Taxes and Insurance | 23.24 | 247117.56 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 9406.25 | 9406.25 | 1225.68 | 10631.93 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 52885.56 | 0 | 7 | 60000 | 248 | 9 | 0.020733722060252674 | 3.17 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 783 | 783 | 777 | 795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 818 | 817 | 818 | 819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4650 | No Escrow | 14.49 | 89627.67 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 4839.38 | 4839.38 | 0 | 6184.04 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 0 | 4 | 37000 | 392 | 16 | 0.1699268292682927 | 10 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 726 | 694 | 742 | 726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2258 | Taxes and Insurance | 11.85 | 70224.42 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 4540.17 | 4540.17 | 1384.95 | 5925.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | 5-10 Unit Multi-Family | 6 | XXXX | XXXX | Other | XXXX | XXXX | Broker Price Opinion (BPO) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 9281.25 | 2 | 30000 | 419 | 11 | 0.2179355333844973 | 30.17 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 2016433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 757 | 757 | 739 | 778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Rate and Term | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4811 | Taxes and Insurance | 4.32 | 15853.93 | XXXX | XXXX | 54.16 | 54.16 | 54.16 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.25 | 6.25 | 2567.54 | 2567.54 | 1099.75 | 3667.29 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 5737.07 | 5212.5 | 1 | 22000 | 278 | 6 | 0.42088913282107576 | 2.00 | No | N/A | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |

---

## Exhibit 99.52

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.52**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| 1790420 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $5895.31 | No |  | $22622.04 | $1885.17 | $3096.96 | $258.08 | $2942.04 | $245.17 | $0.00 | $8283.73 |  | N/A | XXXX | TX | $245.17 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.809 | 0.81 | N/A | Borrower | Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 256772.74 | 31 | 256772.74 | 31 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2007422 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $4507.15 | No |  | $7368.84 | $614.07 | $2650.44 | $220.87 | $0.00 | $0.00 | $0.00 | $5342.09 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.151 | 1.151 | N/A | Borrower | Borrower | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 186564.13 | 34.9 | 186564.13 | 34.9 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1973082 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $11533.70 | No |  | $4203.96 | $350.33 | $13074.96 | $1089.58 | $0.00 | $0.00 | $0.00 | $12973.61 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.002 | 1.002 | N/A | Borrower | Borrower | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 641 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 1443080.80 | 111.2 | No | 60.61 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2000693 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $2858.48 | No |  | $5101.08 | $425.09 | $2828.04 | $235.67 | $3000.00 | $250.00 | $0.00 | $3769.24 |  | N/A | XXXX | MD | $250.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.3 | 1.3 | N/A | Borrower | Borrower | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act document | MD | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 384744.83 | 102.1 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2000682 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2468.44 | No |  | $740.52 | $61.71 | $6543.00 | $545.25 | $0.00 | $0.00 | $0.00 | $3075.40 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.041 | 1.041 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 316652.38 | 103 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016420 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $3780.06 | No |  | $4245.00 | $353.75 | $3087.00 | $257.25 | $99.96 | $8.33 | $0.00 | $4399.39 |  | N/A | XXXX | AZ | $8.33 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.75 | 0.75 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 192058.04 | 43.7 | 192058.04 | 43.7 | No | 74.77 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013477 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1051.55 | No |  | $2354.88 | $196.24 | $694.32 | $57.86 | $2160.00 | $180.00 | $0.00 | $1485.65 |  | Yes | XXXX | SC | $180.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.756 | 1.756 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | SC | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1085137.67 | 730.4 | 1085137.67 | 730.4 | No | 70 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1995584 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1657.14 | No |  | $602.88 | $50.24 | $453.00 | $37.75 | $0.00 | $0.00 | $0.00 | $1745.13 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 225462.26 | 129.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1995595 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $5730.28 | Yes | 7.250% | $12187.08 | $1015.59 | $11769.24 | $980.77 | $0.00 | $0.00 | $0.00 | $7726.64 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.236 | 1.22 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 52160.79 | 6.8 | 52160.79 | 6.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 2020212 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.250% | $1209.01 | No |  | $377.04 | $31.42 | $870.00 | $72.50 | $0.00 | $0.00 | $0.00 | $1312.93 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.181 | 1.181 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29014.84 | 22.1 | 143086.67 | 109 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 1995598 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $3623.90 | Yes | 23.000% | $6103.08 | $508.59 | $2972.64 | $247.72 | $0.00 | $0.00 | $0.00 | $4380.21 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.866 | 1.866 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29238.90 | 6.7 | 499914.58 | 114.1 | No | 69.9 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1995585 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1596.71 | No |  | $1004.28 | $83.69 | $1068.00 | $89.00 | $0.00 | $0.00 | $0.00 | $1769.40 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.017 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 66753.11 | 37.7 | No | 69.71 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013457 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $1549.49 | No |  | $1508.40 | $125.70 | $1055.28 | $87.94 | $0.00 | $0.00 | $0.00 | $1763.13 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.361 | 1.523 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32045.89 | 18.2 | 53001.45 | 30.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 1996202 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $1353.72 | No |  | $996.60 | $83.05 | $1322.04 | $110.17 | $0.00 | $0.00 | $0.00 | $1546.94 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.422 | 1.422 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 669 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6242.25 | 4 | 6242.25 | 4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2016450 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $2256.70 | No |  | $3454.92 | $287.91 | $855.36 | $71.28 | $0.00 | $0.00 | $0.00 | $2615.89 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.765 | 0.824 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 60257.42 | 24.8 | 60257.42 | 24.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016449 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $3131.08 | No |  | $9007.20 | $750.60 | $4157.88 | $346.49 | $0.00 | $0.00 | $0.00 | $4228.17 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.407 | 1.4 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43905.25 | 10.4 | 43905.25 | 10.4 | No | 75.12 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2007425 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $2464.29 | No |  | $6369.84 | $530.82 | $1062.96 | $88.58 | $0.00 | $0.00 | $0.00 | $3083.69 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.589 | 1.589 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 66260.98 | 21.5 | No | 55.95 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013478 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $3671.25 | No |  | $11946.96 | $995.58 | $10601.76 | $883.48 | $0.00 | $0.00 | $0.00 | $5550.31 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.232 | 1.29 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38253.85 | 6.9 | 38253.85 | 6.9 | No | 74.17 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2000690 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1262.03 | No |  | $1281.96 | $106.83 | $557.04 | $46.42 | $0.00 | $0.00 | $0.00 | $1415.28 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.237 | 1.237 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 178599.86 | 126.2 | No | 51.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2007429 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2255.53 | No |  | $6522.36 | $543.53 | $1259.04 | $104.92 | $0.00 | $0.00 | $0.00 | $2903.98 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.071 | 1.071 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 658 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 506843.23 | 174.5 | 506843.23 | 174.5 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2000687 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $2074.22 | No |  | $3136.92 | $261.41 | $1545.00 | $128.75 | $0.00 | $0.00 | $0.00 | $2464.38 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.197 | 1.197 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 317808.27 | 129 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2007432 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2447.25 | No |  | $4980.12 | $415.01 | $1767.00 | $147.25 | $0.00 | $0.00 | $0.00 | $3009.51 | $32446.93 | N/A | XXXX |  | $0.00 | XXXX |  | 12.64% | 12.64% | 12.64% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 329451.47 | 109.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2007418 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $10079.21 | Yes | 6.750% | $27750.00 | $2312.50 | $5745.00 | $478.75 | $0.00 | $0.00 | $0.00 | $12870.46 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.334 | 1.23 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2145979.65 | 166.7 | 2145979.65 | 166.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2007416 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1088.23 | No |  | $3193.08 | $266.09 | $1018.92 | $84.91 | $0.00 | $0.00 | $0.00 | $1439.23 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.383 | 1.383 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 31311.92 | 21.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2007427 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1202.59 | No |  | $1366.44 | $113.87 | $722.04 | $60.17 | $0.00 | $0.00 | $0.00 | $1376.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.453 | 2.02 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 169855.19 | 120.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2007419 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2551.71 | No |  | $4614.00 | $384.50 | $1127.04 | $93.92 | $0.00 | $0.00 | $0.00 | $3030.13 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.023 | 1.023 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 30053.93 | 9.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013458 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 7.000% | $8145.92 | No |  | $19374.96 | $1614.58 | $2785.92 | $232.16 | $0.00 | $0.00 | $0.00 | $9992.66 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.001 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 549350.16 | 55 | 549350.16 | 55 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013461 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1934.31 | No |  | $1796.04 | $149.67 | $1752.96 | $146.08 | $0.00 | $0.00 | $0.00 | $2230.06 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.897 | 0.897 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 47421.70 | 21.3 | No | 69.23 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2007431 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1480.16 | No |  | $1298.88 | $108.24 | $6749.04 | $562.42 | $0.00 | $0.00 | $0.00 | $2150.82 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.674 | 1.674 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 203921.22 | 94.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013480 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $978.90 | No |  | $2527.92 | $210.66 | $1869.00 | $155.75 | $0.00 | $0.00 | $0.00 | $1345.31 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.301 | 1.31 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Lease Hold | 07/01/2053 | No | Yes | N/A | .00 | 0 | 21328.21 | 15.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2007413 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.500% | 6.500% | $4875.00 | No |  | $10223.52 | $851.96 | $2292.36 | $191.03 | $0.00 | $0.00 | $0.00 | $5917.99 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.748 | 1.748 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 185941.99 | 31.4 | 207699.48 | 35.1 | No | 37.5 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2007414 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2552.60 | No |  | $6800.28 | $566.69 | $2447.88 | $203.99 | $0.00 | $0.00 | $0.00 | $3323.28 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.053 | 1.053 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 199080.41 | 59.9 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013468 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1074.43 | No |  | $2899.32 | $241.61 | $2770.56 | $230.88 | $0.00 | $0.00 | $0.00 | $1546.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.626 | 1.626 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32914.01 | 21.3 | 32914.01 | 21.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013472 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $4270.04 | No |  | $13297.32 | $1108.11 | $15597.60 | $1299.80 | $0.00 | $0.00 | $0.00 | $6677.95 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.168 | 1.168 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 201931.04 | 30.2 | No | 41.94 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016421 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $6737.50 | No |  | $2062.56 | $171.88 | $2675.04 | $222.92 | $0.00 | $0.00 | $0.00 | $7132.30 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.827 | 0.827 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 111334.87 | 15.6 | 111334.87 | 15.6 | No | 77 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013467 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $3806.61 | No |  | $5305.44 | $442.12 | $1631.04 | $135.92 | $0.00 | $0.00 | $0.00 | $4384.65 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.026 | 1.026 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22129.89 | 5 | 162250.68 | 37 | No | 67.92 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013473 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $5243.92 | No |  | $18664.80 | $1555.40 | $4634.64 | $386.22 | $252.00 | $21.00 | $0.00 | $7206.54 |  | N/A | XXXX | NJ | $21.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.027 | 1.027 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1713347.73 | 237.8 | 1713347.73 | 237.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 2013479 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $3041.74 | No |  | $4449.96 | $370.83 | $684.96 | $57.08 | $0.00 | $0.00 | $0.00 | $3469.65 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.138 | 1.138 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 281612.57 | 81.2 | 281612.57 | 81.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013470 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $2804.55 | No |  | $3654.72 | $304.56 | $2463.36 | $205.28 | $540.00 | $45.00 | $0.00 | $3359.39 |  | N/A | XXXX | FL | $45.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.863 | 0.87 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 113492.33 | 33.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013475 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $3430.01 | No |  | $6625.44 | $552.12 | $2491.56 | $207.63 | $0.00 | $0.00 | $0.00 | $4189.76 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.036 | 1.036 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12621.82 | 3 | 12621.82 | 3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2016444 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $6667.83 | Yes | 6.875% | $1577.04 | $131.42 | $3591.96 | $299.33 | $0.00 | $0.00 | $0.00 | $7098.58 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.046 | 1.17 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53717.64 | 7.6 | 53717.64 | 7.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013465 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.375% | 7.375% | $4375.22 | No |  | $6243.96 | $520.33 | $1577.04 | $131.42 | $0.00 | $0.00 | $0.00 | $5026.97 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.094 | 1.094 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | MA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72584.34 | 14.4 | 175452.21 | 34.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2018539 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $6545.38 | No |  | $4085.40 | $340.45 | $5556.00 | $463.00 | $0.00 | $0.00 | $0.00 | $7348.83 | $14187.82 | N/A | XXXX |  | $0.00 | XXXX |  | 71.67% | 41.61% | 41.61% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 1 Month NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 24 | 24 | Work Number NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - SSI and Disability - Executed 4506T Verified, Award Letter Verified - 2025 - 2025 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 342286.66 | 46.6 | 342286.66 | 46.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2013463 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $2285.16 | No |  | $6611.76 | $550.98 | $3293.04 | $274.42 | $0.00 | $0.00 | $0.00 | $3110.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.784 | 1.784 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 101004.71 | 32.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013474 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $13306.04 | No |  | $12322.80 | $1026.90 | $9023.40 | $751.95 | $0.00 | $0.00 | $0.00 | $15084.89 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.282 | 1.282 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1733320.31 | 114.9 | 3594475.53 | 238.3 | No | 63.65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013481 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2791.25 | No |  | $10681.92 | $890.16 | $2624.04 | $218.67 | $0.00 | $0.00 | $0.00 | $3900.08 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.026 | 1.02 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act document | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29953.98 | 7.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2013471 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1362.06 | No |  | $3360.00 | $280.00 | $1545.48 | $128.79 | $0.00 | $0.00 | $0.00 | $1770.85 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.016 | 1.016 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 60533.83 | 34.2 | 60533.83 | 34.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013464 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1240.44 | No |  | $2681.52 | $223.46 | $1242.96 | $103.58 | $0.00 | $0.00 | $0.00 | $1567.48 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 2.016 | 2.016 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 381575.21 | 243.4 | 381575.21 | 243.4 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2016431 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.375% | 6.375% | $4117.54 | No |  | $9020.76 | $751.73 | $8886.00 | $740.50 | $0.00 | $0.00 | $0.00 | $5609.77 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 240042.65 | 42.8 | 240042.65 | 42.8 | No | 69.47 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 2013460 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $1714.45 | No |  | $5825.28 | $485.44 | $3890.16 | $324.18 | $0.00 | $0.00 | $0.00 | $2524.07 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.03 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | IL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 46357.53 | 18.4 | 46357.53 | 18.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2016441 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1346.05 | No |  | $4830.96 | $402.58 | $1104.96 | $92.08 | $0.00 | $0.00 | $0.00 | $1840.71 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.141 | 1.141 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 191685.68 | 104.1 | No | 64.03 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2013462 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1288.63 | No |  | $4277.76 | $356.48 | $825.48 | $68.79 | $600.00 | $50.00 | $0.00 | $1763.90 |  | N/A | XXXX | FL | $50.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.191 | 1.191 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | RI | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | RI | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 182668.82 | 103.6 | No | 71.88 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2018534 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1783.64 | No |  | $2431.20 | $202.60 | $741.00 | $61.75 | $0.00 | $0.00 | $0.00 | $2047.99 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.011 | 1.011 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 659 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 45777.30 | 22.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2018535 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.000% | 8.000% | $2957.07 | No |  | $6482.28 | $540.19 | $4809.00 | $400.75 | $0.00 | $0.00 | $0.00 | $3898.01 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.565 | 1.565 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 623 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 361516.32 | 92.7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2018537 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $1426.92 | No |  | $2742.00 | $228.50 | $1360.08 | $113.34 | $0.00 | $0.00 | $0.00 | $1768.76 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.018 | 1.018 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 204654.59 | 115.7 | No | 56.41 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2018547 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $4160.00 | No |  | $5210.76 | $434.23 | $5607.72 | $467.31 | $0.00 | $0.00 | $0.00 | $5061.54 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.274 | 1.27 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WI | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 312640.48 | 61.8 | 317196.15 | 62.7 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2016447 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $9340.63 | Yes | 8.750% | $3218.16 | $268.18 | $7665.00 | $638.75 | $0.00 | $0.00 | $0.00 | $10247.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.002 | 1.002 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 85770.63 | 8.4 | 139550.55 | 13.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2018548 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.250% | 8.250% | $3906.59 | No |  | $8124.96 | $677.08 | $2892.00 | $241.00 | $0.00 | $0.00 | $0.00 | $4824.67 | $27855.33 | N/A | XXXX |  | $0.00 | XXXX |  | 46.50% | 35.29% | 35.29% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 60.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 374038.39 | 77.5 | 374038.39 | 77.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2018542 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $3223.28 | No |  | $9530.88 | $794.24 | $3322.80 | $276.90 | $0.00 | $0.00 | $0.00 | $4294.42 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act Disclosure - Driver License | KS | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 344984.33 | 80.3 | 344984.33 | 80.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2018538 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $3537.02 | No |  | $1093.68 | $91.14 | $1910.04 | $159.17 | $0.00 | $0.00 | $0.00 | $3787.33 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.68 | 1.68 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 512153.59 | 135.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2018544 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.125% | 8.125% | $1143.45 | No |  | $618.96 | $51.58 | $1448.40 | $120.70 | $0.00 | $0.00 | $0.00 | $1315.73 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.14 | 1.14 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 655 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 27802.50 | 21.1 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2018540 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1531.71 | No |  | $4585.44 | $382.12 | $1511.04 | $125.92 | $0.00 | $0.00 | $0.00 | $2039.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.882 | 0.882 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 201304.96 | 98.7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2018546 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $2902.04 | No |  | $8479.32 | $706.61 | $5756.88 | $479.74 | $4200.00 | $350.00 | $0.00 | $4438.39 |  | N/A | XXXX | TX | $350.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.352 | 1.352 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20719.59 | 4.7 | 402473.84 | 90.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016442 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $1822.98 | No |  | $3583.20 | $298.60 | $1370.04 | $114.17 | $0.00 | $0.00 | $0.00 | $2235.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.006 | 1.006 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OR | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 257441.10 | 115.2 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2018545 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $1237.86 | 8.500% | 8.500% | $1799.26 | No |  | $6246.36 | $520.53 | $6322.92 | $526.91 | $0.00 | $0.00 | $0.00 | $2846.70 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 631 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 191251.59 | 67.2 | No | 53.18 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2016426 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.125% | 7.125% | $2501.18 | No |  | $7351.68 | $612.64 | $1706.04 | $142.17 | $0.00 | $0.00 | $0.00 | $3255.99 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.222 | 1.22 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | WI | United States | XXXX |  | XXXX | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 220991.67 | 67.9 | 220991.67 | 67.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016427 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $2055.81 | No |  | $4580.52 | $381.71 | $3374.76 | $281.23 | $0.00 | $0.00 | $0.00 | $2718.75 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.011 | 1.011 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 99820.01 | 36.7 | 99820.01 | 36.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2016448 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $3839.78 | No |  | $2865.24 | $238.77 | $1857.24 | $154.77 | $0.00 | $0.00 | $0.00 | $4233.32 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.423 | 1.423 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 201165.38 | 47.5 | 201165.38 | 47.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| 2016425 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $4387.50 | No |  | $15624.96 | $1302.08 | $3840.96 | $320.08 | $0.00 | $0.00 | $0.00 | $6009.66 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.331 | 1.33 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 268463.19 | 44.7 | 268463.19 | 44.7 | No | 62.4 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| 2016435 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $2024.29 | No |  | $658.20 | $54.85 | $1362.00 | $113.50 | $0.00 | $0.00 | $0.00 | $2192.64 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.38 | 1.38 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 7106.85 | 3.2 | 7106.85 | 3.2 | No | 79.89 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016430 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $2501.49 | No |  | $2010.12 | $167.51 | $2958.72 | $246.56 | $0.00 | $0.00 | $0.00 | $2915.56 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.715 | 1.715 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 329130.75 | 112.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016432 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.750% | 6.750% | $14334.02 | No |  | $42500.04 | $3541.67 | $11276.04 | $939.67 | $0.00 | $0.00 | $0.00 | $18815.36 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.063 | 1.063 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 574137.33 | 30.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016434 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $12277.96 | No |  | $36875.04 | $3072.92 | $10346.88 | $862.24 | $0.00 | $0.00 | $0.00 | $16213.12 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.11 | 1.11 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 317638.60 | 19.6 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016428 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $9731.25 | No |  | $3556.80 | $296.40 | $12231.24 | $1019.27 | $0.00 | $0.00 | $0.00 | $11046.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 2.076 | 2.076 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 194232.00 | 17.6 | 309744.45 | 28 | No | 69.98 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016429 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $9406.25 | No |  | $3465.60 | $288.80 | $11242.56 | $936.88 | $0.00 | $0.00 | $0.00 | $10631.93 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.955 | 1.955 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 194232.00 | 18.3 | 247117.56 | 23.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016424 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $4839.38 | No |  | $13350.00 | $1112.50 | $2785.92 | $232.16 | $0.00 | $0.00 | $0.00 | $6184.04 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.075 | 1.075 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 89627.67 | 14.5 | 89627.67 | 14.5 | No | 75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| 2016422 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $4540.17 | No |  | $8171.64 | $680.97 | $8447.76 | $703.98 | $0.00 | $0.00 | $0.00 | $5925.12 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.118 | 1.118 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70224.42 | 11.9 | 70224.42 | 11.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| 2016433 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.250% | 6.250% | $2567.54 | No |  | $10177.56 | $848.13 | $3019.44 | $251.62 | $0.00 | $0.00 | $0.00 | $3667.29 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 0.879 | 0.879 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15853.93 | 4.3 | 15853.93 | 4.3 | No | 54.16 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.53

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.53**

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| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 1790420 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6700 | Appraisal - 1007 |  | N/A |  |  | 6700 | Appraisal - 1007 | No | 123.64 | 0.81 | 0.809 | 8283.73 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 98000 |  |  |  | 6700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 31 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2007422 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6200 | 6150 | Appraisal - 1025 |  | N/A |  |  | 6150 | Appraisal - 1025 | No | 86.86 | 1.151 | 1.151 | 5342.09 | 3300 | 11-30-2025 | 12 | 2900 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65000 |  |  |  | 6150 |  |  |  |  |  |  | No | No | 2.6 | 1 | 1 | N/A | 34.92 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 1973082 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 13000 | Appraisal - 1007 |  | N/A |  |  | 13000 | Appraisal - 1007 | No | 99.8 | 1.002 | 1.002 | 12973.61 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 126000 |  | 2225000 |  | 13000 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 111.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2000693 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | N/A | 4900 | AirDNA | 12 |  | 4900 | AirDNA | Yes | 76.92 | 1.3 | 1.3 | 3769.24 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29400 |  | 400000 |  | 4900 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 102.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2000682 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3700 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 96.11 | 1.041 | 1.041 | 3075.4 | 3700 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24160 |  | 310000 |  | 3200 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 102.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016420 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 133.31 | 0.75 | 0.75 | 4399.39 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19800 |  |  |  | 3300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 43.66 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2013477 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2608.33 | Appraisal - 1007 | 2608.33 | AirDNA | 12 |  | 2608.33 | AirDNA | Yes | 56.96 | 1.756 | 1.756 | 1485.65 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  |  |  | 2608.33 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 730.41 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 1995584 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 99.72 | 1.003 | 1.003 | 1745.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  |  |  | 1750 |  |  |  |  |  |  | No | No | 3.5 | 2 | 1 | N/A | 129.19 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 1995595 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 9550 | 9900 | Rent Estimate - Other |  | N/A |  |  | 9550 | Actual In Place Rent | No | 80.91 | 1.22 | 1.236 | 7726.64 | 1600 | 12-31-2025 | 12 | 1500 | 10-31-2025 | 12 | 1700 | 08-31-2025 | 12 | 1500 | 03-31-2025 | 12 | 1750 | 09-30-2025 | 12 | 1500 | 03-31-2025 | 12 |  |  |  |  | Yes | 57300 |  |  |  | 9550 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 6.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2020212 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1550 | Appraisal - 1007 |  | N/A |  |  | 1550 | Appraisal - 1007 | No | 84.71 | 1.181 | 1.181 | 1312.93 | 1600 | 02-25-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23000 |  | 55000 |  | 1550 |  |  |  |  |  |  | No | No | 0.6 | 2 | 1 | N/A | 108.98 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 1995598 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8175 | 8240 | Rent Estimate - Other |  | N/A |  |  | 8175 | Actual In Place Rent | No | 53.58 | 1.866 | 1.866 | 4380.21 | 1200 | 07-28-2025 | 12 | 1200 | 07-28-2025 | 12 | 1500 | 07-28-2025 | 12 | 1625 | 07-28-2025 | 12 | 1400 | 07-28-2025 | 12 | 1250 | 07-28-2025 | 12 |  |  |  |  | Yes | 140000 |  |  |  | 8175 |  |  |  |  |  |  | No | No | 4.5 | 1 | 1 | N/A | 114.13 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 1995585 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1930 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 98.3 | 1 | 1.017 | 1769.4 | 1930 | 07-31-2025 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 14.4 | 1 | 1 | N/A | 37.73 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2013457 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 73.46 | 1.523 | 1.361 | 1763.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  |  |  | 2400 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 30.06 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 1996202 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2200 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 70.32 | 1.422 | 1.422 | 1546.94 | 2200 | 05-01-2026 | 15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27600 |  | 279999 |  | 2200 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 4.04 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2016450 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2100 | Appraisal - 1007 |  | N/A |  |  | 2000 | Actual In Place Rent | No | 121.4 | 0.824 | 0.765 | 2615.89 | 2000 | 03-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29135.76 |  | 52000 |  | 2000 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 24.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016449 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6800 | 5950 | Appraisal - 1025 |  | N/A |  |  | 5950 | Appraisal - 1025 | No | 71.06 | 1.4 | 1.407 | 4228.17 | 2450 | 03-10-2025 | 1 | 4350 | 03-10-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  | 475000 |  | 5950 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 10.38 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2007425 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4900 | Appraisal - 1007 |  | N/A |  |  | 4900 | Appraisal - 1007 | No | 62.93 | 1.589 | 1.589 | 3083.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32400 |  | 265000 |  | 4900 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 21.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013478 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7200 | 6840 | Appraisal - Narrative |  | N/A |  |  | 6840 | Appraisal - Narrative | No | 77.09 | 1.29 | 1.232 | 5550.31 | 1000 | 07-01-2025 | 12 | 800 | 02-01-2026 | 24 | 800 | 07-01-2025 | 12 | 1000 | 01-01-2025 | 12 | 800 | 09-03-2025 | 12 | 800 | 09-03-2025 | 12 | 1000 | 08-01-2025 | 12 |  | Yes | 82800 |  |  |  | 6840 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 6.89 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2000690 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 80.87 | 1.237 | 1.237 | 1415.28 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21000 |  | 223386 |  | 1750 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 126.19 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2007429 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4761 | 3110 | Appraisal - 1007 |  | N/A |  |  | 3110 | Appraisal - 1007 | No | 93.38 | 1.071 | 1.071 | 2903.98 | 4761 | 02-29-2024 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 |  | 1 |  | 3110 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 174.53 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2000687 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2950 | 3000 | Appraisal - 1025 |  | N/A |  |  | 2950 | Actual In Place Rent | No | 83.54 | 1.197 | 1.197 | 2464.38 | 1500 | 05-01-2025 | 1 | 1450 | 05-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41500 |  |  |  | 2950 |  |  |  |  |  |  | No | No | 6 | 1 | 1 | N/A | 128.96 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2007432 | XXXX | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | Yes | 3000 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 100.32 |  | 0 | 3009.51 | 3000 | 05-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  | 500000 |  | 3000 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 109.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 1 |  | XXXX |
| XXXX | 2007418 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 14056 | 17165 | Rent Estimate - Other |  | N/A |  |  | 17165 | Rent Estimate - Other | No | 74.98 | 1.23 | 1.334 | 12870.46 | 2525 | 05-01-2025 | 1 | 2400 | 05-01-2025 | 1 | 1427 | 05-01-2025 | 1 | 1681 | 05-01-2025 | 1 | 1400 | 05-01-2025 | 1 | 1533 | 05-01-2025 | 1 |  |  |  |  | Yes | 250000 |  |  |  | 17165 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 166.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2007416 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2350 | 1990 | Appraisal - 1007 |  | N/A |  |  | 1990 | Appraisal - 1007 | No | 72.32 | 1.383 | 1.383 | 1439.23 | 2350 | 02-01-2025 | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23880 |  | 83500 |  | 1990 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 21.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2007427 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 68.83 | 2.02 | 1.453 | 1376.63 | 2000 | 01-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 120.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2007419 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3100 | 3125 | Appraisal - 1007 |  | N/A |  |  | 3100 | Actual In Place Rent | No | 97.75 | 1.023 | 1.023 | 3030.13 | 3100 | 05-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38900 |  | 0 | 0 | 3100 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 9.92 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2013458 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8079 | 10000 | Appraisal - 1025 |  | N/A |  |  | 10000 | Appraisal - 1025 | No | 99.93 | 1 | 1.001 | 9992.66 | 0 | 03-21-2025 | 1 | 2420 | 03-21-2025 | 1 | 3187 | 03-21-2025 | 1 | 2472 | 03-21-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 154400 |  |  |  | 10000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 54.98 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2013461 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 111.5 | 0.897 | 0.897 | 2230.06 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12000 |  | 196500 |  | 2000 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 21.26 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2007431 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  | N/A |  |  | 3600 | Appraisal - 1025 | No | 59.75 | 1.674 | 1.674 | 2150.82 | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52400 |  |  |  | 3600 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 94.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013480 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 76.87 | 1.31 | 1.301 | 1345.31 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  | 64000 |  | 1750 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 15.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2007413 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 10345 | 11100 | Appraisal - 1025 |  | N/A |  |  | 10345 | Actual In Place Rent | No | 57.21 | 1.748 | 1.748 | 5917.99 | 4750 | 02-26-2026 | 12 | 3195 | 11-30-2025 | 11 | 2400 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 123510 |  | 585000 |  | 10345 |  |  |  |  |  |  | No | No | 7.8 | 1 | 1 | N/A | 35.1 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2007414 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Actual In Place Rent | No | 94.95 | 1.053 | 1.053 | 3323.28 | 3500 | 06-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  | 3500 |  |  |  |  |  |  | No | No | 12 | 1 | 1 | N/A | 59.9 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2013468 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2515 | 2700 | Appraisal - 1025 |  | N/A |  |  | 2515 | Actual In Place Rent | No | 61.51 | 1.626 | 1.626 | 1546.92 | 675 | 01-01-2026 | 12 | 600 | 01-01-2026 | 12 | 675 | 01-01-2026 | 12 | 565 | 01-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 30180 |  |  |  | 2515 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 21.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013472 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8250 | 7800 | Appraisal - 1025 |  |  |  |  | 7800 | Appraisal - 1025 | No | 85.61 | 1.168 | 1.168 | 6677.95 | 2350 | 05-01-2025 | 1 | 1800 | 05-01-2025 | 1 | 1600 | 05-01-2025 | 1 | 2500 | 05-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 46800 |  | 100 |  | 7800 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 30.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016421 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5900 | Appraisal - 1007 | 5900 | Other | 12 |  | 5900 | Appraisal - 1007 | No | 120.89 | 0.827 | 0.827 | 7132.3 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120000 |  | 1318000 |  | 5900 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 15.61 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 1 |  | XXXX |
| XXXX | 2013467 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 97.44 | 1.026 | 1.026 | 4384.65 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54000 |  | 435000 | 104761 | 4500 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 37 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2013473 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7400 | Appraisal - 1007 |  |  |  |  | 7400 | Appraisal - 1007 | No | 97.39 | 1.027 | 1.027 | 7206.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 85000 |  |  |  | 7400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 237.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2013479 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3950 | 4250 | Appraisal - 1007 |  | N/A |  |  | 3950 | Actual In Place Rent | No | 87.84 | 1.138 | 1.138 | 3469.65 | 3950 | 11-09-2024 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31800 |  |  |  | 3950 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 81.16 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2013470 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 115.84 | 0.87 | 0.863 | 3359.39 | 3500 | 05-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34800 |  |  |  | 2900 |  |  |  |  |  |  | No | No | 4 | 1 | 1 | N/A | 33.78 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2013475 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4385 | 4340 | Appraisal - 1025 |  | N/A |  |  | 4340 | Appraisal - 1025 | No | 96.54 | 1.036 | 1.036 | 4189.76 | 895 | 05-31-2025 | 1 | 1200 | 05-31-2025 | 1 | 1245 | 05-31-2025 | 1 | 1045 | 05-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 72000 |  |  |  | 4340 |  |  |  |  |  |  | No | No | 11.9 | 1 | 1 | N/A | 3.01 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2016444 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5200 | 7425 | Rent Estimate - Other |  | N/A |  |  | 7425 | Rent Estimate - Other | No | 95.6 | 1.17 | 1.046 | 7098.58 | 2100 | 05-01-2025 | 12 | 0 | 05-01-2025 | 1 | 1550 | 02-28-2026 | 12 | 1550 | 02-28-2026 | 12 | 0 | 01-05-2025 | 1 |  |  |  |  |  |  |  | Yes | 125000 |  |  |  | 7425 |  |  |  |  |  |  | No | No | 0.1 | 3 | 1 | N/A | 7.57 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013465 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5500 | 3550 | Appraisal - 1007 |  |  |  |  | 5500 | Actual In Place Rent | No | 91.4 | 1.094 | 1.094 | 5026.97 | 5500 | 02-20-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  | 565000 |  | 5500 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 34.9 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2018539 | XXXX | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 4700 | Appraisal - 1007 |  | N/A |  |  | 4700 | Appraisal - 1007 | No | 156.36 | 0 | 0 | 7348.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 46.58 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2013463 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5550 | 6950 | Appraisal - 1025 |  | N/A |  |  | 5550 | Actual In Place Rent | No | 56.05 | 1.784 | 1.784 | 3110.56 | 1700 | 05-01-2025 | 1 | 1450 | 05-01-2025 | 1 | 2400 | 05-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 200000 |  |  |  | 5550 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 32.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013474 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 19333 | Appraisal - 1007 |  | N/A |  |  | 19333 | Appraisal - 1007 | No | 78.03 | 1.282 | 1.282 | 15084.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 376700 |  | 0 |  | 19333 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 238.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013481 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  | N/A |  |  | 4000 | Appraisal - 1007 | No | 97.5 | 1.02 | 1.026 | 3900.08 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  | 420000 |  | 4000 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 7.68 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2013471 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 98.38 | 1.016 | 1.016 | 1770.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46100 |  | 157500 |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 34.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013464 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3160 | Appraisal - 1025 |  | N/A |  |  | 3160 | Appraisal - 1025 | No | 49.6 | 2.016 | 2.016 | 1567.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39000 |  | 155000 |  | 3160 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 243.43 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2016431 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5625 | Appraisal - 1007 |  |  |  |  | 5625 | Appraisal - 1007 | No | 99.73 | 1.003 | 1.003 | 5609.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71000 |  |  |  | 5625 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 42.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2013460 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  | N/A |  |  | 2600 | Appraisal - 1007 | No | 97.08 | 1.03 | 1.03 | 2524.07 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64600 |  |  |  | 2600 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 18.37 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2016441 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2100 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2100 | Actual In Place Rent | No | 87.65 | 1.141 | 1.141 | 1840.71 | 2100 | 06-01-2025 | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34580 |  | 268000 |  | 2100 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 104.14 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2013462 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 84 | 1.191 | 1.191 | 1763.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32000 |  | 287500 |  | 2100 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 103.56 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2018534 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2071 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2071 | Actual In Place Rent | No | 98.89 | 1.011 | 1.011 | 2047.99 | 2071 | 07-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 194900 |  | 0 |  | 2071 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 22.35 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2018535 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6100 | 6100 | Appraisal - 1025 |  | N/A |  |  | 6100 | Appraisal - 1025 | No | 63.9 | 1.565 | 1.565 | 3898.01 | 1700 | 11-30-2025 | 12 | 2000 | 07-31-2025 | 12 | 2400 | 04-12-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 6100 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 92.74 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2018537 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 98.26 | 1.018 | 1.018 | 1768.76 | 1800 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27750 |  | 280000 |  | 1800 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 115.71 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2018547 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | N/A | 6450 | AirDNA | 12 |  | 6450 | AirDNA | Yes | 78.47 | 1.27 | 1.274 | 5061.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50300 |  | 565000 |  | 6450 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 62.67 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2016447 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 10266.25 | 11075 | Rent Estimate - Other |  | N/A |  |  | 10266.25 | Actual In Place Rent | No | 99.82 | 1.002 | 1.002 | 10247.56 | 1181.25 |  |  | 1125 |  |  | 1600 | 01-31-2026 | 12 | 1500 | 01-31-2026 | 12 | 1020 | 01-01-2025 | 6 | 1220 | 04-01-2025 | 1 | 1600 | 12-31-2025 | 12 |  | Yes | 120000 |  |  |  | 10266.25 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 13.62 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2018548 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3200 | Appraisal - 1007 |  |  |  |  | 3200 | Appraisal - 1007 | No | 150.77 | 0 | 0 | 4824.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3200 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 77.53 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2018542 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Appraisal - 1007 |  | N/A |  |  | 4300 | Appraisal - 1007 | No | 99.87 | 1.001 | 1.001 | 4294.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42300 |  |  |  | 4300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 80.33 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2018538 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6361 | 6361 | Appraisal - 1025 |  |  |  |  | 6361 | Appraisal - 1025 | No | 59.54 | 1.68 | 1.68 | 3787.33 | 1750 | 04-15-2025 | 1 | 1700 | 04-15-2025 | 1 | 1365 | 04-15-2025 | 1 | 1546 | 04-15-2025 | 1 |  |  |  |  |  |  |  |  |  |  | No |  |  | 69000 |  | 6361 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 135.23 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2018544 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1750 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 87.72 | 1.14 | 1.14 | 1315.73 | 1750 | 01-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 130000 |  | 1500 |  |  |  |  |  |  | No | No | 6.8 | 1 | 1 | N/A | 21.13 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2018540 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2600 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 113.32 | 0.882 | 0.882 | 2039.75 | 2600 | 12-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 93810 |  | 168500 |  | 1800 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 98.69 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2018546 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6000 | 6000 | Appraisal - 1025 |  |  |  |  | 6000 | Appraisal - 1025 | No | 73.97 | 1.352 | 1.352 | 4438.39 | 1250 | 02-28-2027 | 24 | 1250 | 01-31-2027 | 24 | 3500 | 07-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100500 |  | 0 |  | 6000 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 90.68 | Yes | XXXX | Limited Partnership | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016442 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal - 1007 |  | N/A |  |  | 2250 | Appraisal - 1007 | No | 99.37 | 1.006 | 1.006 | 2235.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43303 |  | 0 |  | 2250 |  |  |  |  |  |  | No | No | 3.1 | 1 | 1 | N/A | 115.15 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2018545 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3050 | 2850 | Appraisal - 1007 |  |  |  |  | 2850 | Appraisal - 1007 | No | 99.88 | 1.001 | 1.001 | 2846.7 | 3050 | 08-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 46000 |  | 2850 |  |  |  |  |  |  | No | No | 13.6 | 1 | 1 | N/A | 67.18 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2016426 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3980 | 3980 | Appraisal - 1025 |  | N/A |  |  | 3980 | Appraisal - 1025 | No | 81.81 | 1.22 | 1.222 | 3255.99 | 940 | 12-31-2025 | 12 | 930 | 12-31-2025 | 12 | 1015 | 02-28-2026 | 12 | 1095 | 02-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 47760 |  |  |  | 3980 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 67.87 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016427 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2750 | Appraisal - 1007 |  | N/A |  |  | 2750 | Appraisal - 1007 | No | 98.86 | 1.011 | 1.011 | 2718.75 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21780 |  |  |  | 2750 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 36.72 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2016448 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6025 | 6440 | Rent Estimate - Other |  |  |  |  | 6025 | Actual In Place Rent | No | 70.26 | 1.423 | 1.423 | 4233.32 | 850 | 06-01-2025 | 1 | 705 | 06-01-2025 | 1 | 950 | 06-01-2025 | 1 | 1150 | 06-01-2025 | 1 | 740 | 06-01-2025 | 1 | 800 | 06-01-2025 | 1 | 830 | 06-01-2025 | 1 |  | Yes | 72300 |  |  |  | 6025 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 47.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 2016425 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8000 | 8000 | Appraisal - 1025 |  | N/A |  |  | 8000 | Actual In Place Rent | No | 75.12 | 1.33 | 1.331 | 6009.66 | 2000 | 04-15-2026 | 12 | 2000 | 03-15-2026 | 12 | 2000 | 03-15-2026 | 12 | 2000 | 04-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 78300 |  |  |  | 8000 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 44.67 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2016435 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 | 3026.67 | AirDNA | 12 |  | 3026.67 | AirDNA | Yes | 72.44 | 1.38 | 1.38 | 2192.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  | 70800 |  | 3026.67 |  |  |  |  |  |  | No | No | 0.8 | 4 | 1 | N/A | 3.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016430 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5000 | 5000 | Appraisal - 1025 |  |  |  |  | 5000 | Actual In Place Rent | No | 58.31 | 1.715 | 1.715 | 2915.56 | 1250 | 07-01-2025 | 12 | 1250 | 07-01-2025 | 12 | 1250 | 07-01-2025 | 12 | 1250 | 07-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  | 0 |  | 5000 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 112.89 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016432 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 20000 | Appraisal - 1007 | 20000 | Vrbo |  |  | 20000 | Appraisal - 1007 | No | 94.08 | 1.063 | 1.063 | 18815.36 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 160000 |  |  |  | 20000 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 30.51 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016434 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 18000 | Appraisal - 1007 |  | N/A |  |  | 18000 | Appraisal - 1007 | No | 90.07 | 1.11 | 1.11 | 16213.12 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 152300 |  |  |  | 18000 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 19.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016428 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 22936 | 25000 | Appraisal - 1007 |  |  |  |  | 22936 | Actual In Place Rent | No | 48.16 | 2.076 | 2.076 | 11046.92 | 22936 | 06-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  | 1140000 |  | 22936 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 28.04 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016429 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 20781 | 25000 | Appraisal - 1007 |  | N/A |  |  | 20781 | Actual In Place Rent | No | 51.16 | 1.955 | 1.955 | 10631.93 | 20781 | 06-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  | 1537000 |  | 20781 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 23.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016424 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6650 | Appraisal - 1007 |  | N/A |  |  | 6650 | Appraisal - 1007 | No | 92.99 | 1.075 | 1.075 | 6184.04 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 133200 |  |  |  | 6650 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 14.49 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | 2016422 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6625 | 9600 | Rent Estimate - Other |  | N/A |  |  | 6625 | Actual In Place Rent | No | 89.44 | 1.118 | 1.118 | 5925.12 | 1500 | 06-01-2025 | 1 | 900 | 06-01-2025 | 1 | 925 | 06-01-2025 | 1 | 1400 | 06-01-2025 | 1 | 1100 | 06-01-2025 | 1 | 800 | 06-01-2025 | 1 |  |  |  |  | Yes | 40000 |  |  |  | 6625 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 11.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2016433 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3600 | 3225 | Appraisal - 1007 |  |  |  |  | 3225 | Appraisal - 1007 | No | 113.71 | 0.879 | 0.879 | 3667.29 | 3600 | 06-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 72500 |  | 742000 |  | 3225 |  |  |  |  |  |  | No | No | 0.1 | 1 | 1 | N/A | 4.32 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |

---

## Exhibit 99.54

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.54**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1790420 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2007422 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2007422 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 1973082 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2000693 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2000682 |  |  | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| 2000682 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2000682 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX |
| 2016420 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013477 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 1995584 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 1995595 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | XXXX |
| 1995595 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 1995595 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2020212 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2020212 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2020212 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 1995598 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 1995598 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | XXXX |
| 1995598 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 765 | 763 | XXXX |
| 1995598 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 1995585 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013457 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013457 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2013457 |  |  | XXXX | First Payment Date | notePage | XXXX | XXXX | XXXX |
| 2013457 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013457 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX |
| 1996202 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016450 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016449 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2016449 |  |  | XXXX | Borrower 1 Citizen | the1003Page | Non Permanent Resident Alien | Permanent Resident Alien | XXXX |
| 2016449 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2007425 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013478 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013478 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 2013478 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | XXXX |
| 2000690 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2007429 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2000687 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2007418 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | XXXX |
| 2007418 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2007418 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2007416 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 2007416 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2007427 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2007427 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2007419 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013458 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013461 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013461 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2007431 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013480 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 2013480 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2007413 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2007414 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013468 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013472 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013472 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 783 | 796 | XXXX |
| 2013472 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016421 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2016421 |  |  | XXXX | Mortgage Origination Channel | the1003Page | Correspondent Bulk | Retail | XXXX |
| 2013467 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013473 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013479 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2013479 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013470 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013475 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016444 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2016444 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | XXXX |
| 2013465 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2018539 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| 2018539 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 718 | 701 | XXXX |
| 2018539 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7348.83 | 6545.38 | XXXX |
| 2018539 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.61 | 41.43 | XXXX |
| 2013463 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013474 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013481 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013471 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2013464 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2016431 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013460 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016441 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | XXXX |
| 2016441 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2013462 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2018534 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 5 | XXXX |
| 2018534 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018535 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | XXXX |
| 2018535 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018537 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 2018537 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 4 | XXXX |
| 2018537 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018537 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1768.76 | 1804.21 | XXXX |
| 2018537 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | Permanent Resident Alien | XXXX |
| 2018537 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.018 | 1 | XXXX |
| 2018547 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018547 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5061.54 | 4160.00 | XXXX |
| 2016447 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 2016447 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | XXXX |
| 2016447 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2016447 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2018548 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 2018548 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2018548 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| 2018542 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2018542 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018538 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2018538 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018544 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018540 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| 2018540 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| 2018540 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018546 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 2 | XXXX |
| 2018546 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2018546 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4438.39 | 2998.28 | XXXX |
| 2018546 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.352 | 1.2 | XXXX |
| 2016442 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2018545 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| 2016426 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016427 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016448 |  |  | XXXX | Borrower 2 Last Name | notePage | XXXX | XXXX | XXXX |
| 2016448 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | XXXX |
| 2016448 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 2016448 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016425 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016435 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | XXXX |
| 2016435 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016430 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016432 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016434 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016428 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 752 | 760 | XXXX |
| 2016428 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016429 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016424 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016422 |  |  | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | XXXX |
| 2016422 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |
| 2016433 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | XXXX |

---

## Exhibit 99.55

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.55**

![](ex9955001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Vista Point Mortgage, LLC (the "Client"). The Review took place from February 2025 – March 2025 on Loans with origination dates in February 2025 – March 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 5 Loans totaling an original principal balance of approximately $1,940,250.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 0 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

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

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

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

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (44 Fields)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;ActualInPlaceRent | &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;PrimaryAppraisedPropertyValue |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;LoanID | &nbsp;&nbsp;PropertyCounty |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;MINNo | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;QualifyingTotalHousingExpensePITIA |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;SalesPrice |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;OriginatorDSCR | &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;PrepaymentPenaltyFlag |  |

---

![](ex9955001.jpg)

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

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (0 Loans)**

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

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

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

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

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

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

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

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

![](ex9955001.jpg)

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

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

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

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

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

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

---

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

---

![](ex9955001.jpg)

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

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

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

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

**Residential Population (0 Loans)**

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

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

![](ex9955001.jpg)

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

![](ex9955001.jpg)

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9955001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9955001.jpg)

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

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

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

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

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

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

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

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

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

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

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

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

![](ex9955001.jpg)

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

**General Ability to Repay**

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

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

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

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

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

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

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

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

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

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

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

![](ex9955001.jpg)

**(IX) Recording Review**

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

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

**(X) FIRREA Review**

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

**(XI) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T
and/or 4506C as applicable;

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

![](ex9955001.jpg)

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

5 Loans (100%) received an "A" compliance grade, and 0 Loans (0%) received a compliance grade of "B"

The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.0%** |

---

![](ex9955001.jpg)

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 44 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;ActualInPlaceRent | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorDSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QualifyingTotalHousingExpensePITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75% |

---

![](ex9955001.jpg)

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;20.0% | &nbsp;&nbsp;$825000.00 | &nbsp;&nbsp;42.52% |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;80.0% | &nbsp;&nbsp;$1115250.00 | &nbsp;&nbsp;57.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$1940250.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;5.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$1940250.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$1940250.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;20.0% | &nbsp;&nbsp;$348750.00 | &nbsp;&nbsp;17.97% |
| &nbsp;&nbsp;Two to Four Unit | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;80.0% | &nbsp;&nbsp;$1591500.00 | &nbsp;&nbsp;82.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$1940250.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;20.0% | &nbsp;&nbsp;$825000.00 | &nbsp;&nbsp;42.52% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;80.0% | &nbsp;&nbsp;$1115250.00 | &nbsp;&nbsp;57.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$1940250.00** | &nbsp;&nbsp;**100.0%** |

---

![](ex9955001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;FL | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;60.0% | &nbsp;&nbsp;$766500.00 | &nbsp;&nbsp;39.51% |
| &nbsp;&nbsp;CA | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;40.0% | &nbsp;&nbsp;$1173750.00 | &nbsp;&nbsp;60.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$1940250.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.56

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.56**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Original Loan Amount** |
| REDACTED |  | 2013539 | REDACTED B |
| REDACTED |  | 2013538 | REDACTED B |
| REDACTED |  | 2013537 | REDACTED B |
| REDACTED |  | 2013525 | REDACTED |
| REDACTED |  | 2013534 | REDACTED |

---

## Exhibit 99.57

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.57**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXXX |  | 2013539 C A B | Closed | FCOM2186 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Business purpose loan, DSCR, not subject to TRID & therefore, not reg required, also overdisclosed vs. PPP rider. - Due Diligence Vendor-XXXX<br> Ready for Review-Hi,<br> This is over disclosed. And also, it's a DSCR loan, so technically the CD doesn't need to be in file. Can we please waive this?<br> Thanks! - Buyer-XXXX<br> Open-Final CD ppp shows XXXX for XXXX months-see page 328 and does not match PPP rider-see page 313 - Due Diligence Vendor-XXXX |  | Resolved-Business purpose loan, DSCR, not subject to TRID & therefore, not reg required, also overdisclosed vs. PPP rider. - Due Diligence Vendor-XXXX |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A |
| XXXX |  | 2013539 C A B | Closed | FCRE1195 | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Verified with lender that exception is unnecessary and exception form should not have been included in file. Per matrix - DSCR per credit score & loan amount = XXXX - XXXX - XXXX = XXXX . Credit verified at XXXX, exception not required. Finding moved to resolved status, no downgrade. - Due Diligence Vendor-XXXX<br> Waived-EXCEPTION ON PAGE 1 ALLOWED FOR LTV OF XXXX WITH XXXX AND DSCR SCORE FROM XXXX. XXXX PAYMENT WAS MADE, PER SUPPLEMENT-SEE PG 79 MTG HISTORY NOW VERIFIED AT XXXX - Due Diligence Vendor-XXXX |  | Resolved-Verified with lender that exception is unnecessary and exception form should not have been included in file. Per matrix - DSCR per credit score & loan amount = XXXX - XXXX - XXXX = XXXX. Credit verified at XXXX, exception not required. Finding moved to resolved status, no downgrade. - Due Diligence Vendor-XXXX<br> Waived-EXCEPTION ON PAGE 1 ALLOWED FOR LTV OF XXXX WITH XXXX AND DSCR SCORE FROM XXXX. XXXX PAYMENT WAS MADE, PER SUPPLEMENT-SEE PG 79 MTG HISTORY NOW VERIFIED AT XXXX - Due Diligence Vendor-XXXX |  | XXXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A |
| XXXX |  | 2013538 C A B | Closed | FCRE1195 | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Verified with lender that exception is unnecessary and exception form should not have been included in file. Per matrix - DSCR per credit score & loan amount = XXXX - XXXX - XXXX = XXXX . Credit verified at XXXX, exception not required. Finding moved to resolved status, no downgrade. - Due Diligence Vendor-XXXX<br> Waived-EXCEPTION ON PAGE 1 ALLOWED FOR LTV OF XXXX WITH XXXX AND DSCR SCORE FROM XXXX. XXXX PAYMENT WAS MADE, PER SUPPLEMENT-SEE PG 79 MTG HISTORY NOW VERIFIED AT XXXX - Due Diligence Vendor-XXXX |  | Resolved-Verified with lender that exception is unnecessary and exception form should not have been included in file. Per matrix - DSCR per credit score & loan amount = XXXX - XXXX - XXXX = XXXX. Credit verified at XXXX, exception not required. Finding moved to resolved status, no downgrade. - Due Diligence Vendor-XXXX<br> Waived-EXCEPTION ON PAGE 1 ALLOWED FOR LTV OF XXXX WITH XXXX AND DSCR SCORE FROM XXXX. XXXX PAYMENT WAS MADE, PER SUPPLEMENT-SEE PG 79 MTG HISTORY NOW VERIFIED AT XXXX - Due Diligence Vendor-XXXX |  | XXXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A |
| XXXX |  | 2013538 C A B | Closed | FCOM2186 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Business purpose loan, DSCR, not subject to TRID & therefore, not reg required, also overdisclosed vs. PPP rider. - Due Diligence Vendor-XXXX<br> Ready for Review-Hi,<br> This is over disclosed. And also, it's a DSCR loan, so technically the CD doesn't need to be in file. Can we please waive this?<br> Thanks! - Buyer-XXXX<br> Open-XXXX on final CD see page 318 does not match XXXX-see page 306 - Due Diligence Vendor-XXXX |  | Resolved-Business purpose loan, DSCR, not subject to TRID & therefore, not reg required, also overdisclosed vs. PPP rider. - Due Diligence Vendor-XXXX |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A |
| XXXX |  | 2013537 C A B | Closed | FCOM2186 | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Prepayment Penalty is missing or inaccurate | Resolved-Business purpose loan, DSCR, not subject to TRID & therefore, not reg required, also overdisclosed vs. PPP rider. - Due Diligence Vendor-XXXX<br> Ready for Review-Hi,<br> This is over disclosed. And also, it's a DSCR loan, so technically the CD doesn't need to be in file. Can we please waive this?<br> Thanks! - Buyer-XXXX<br> Open-XXXX on final CD see page 318 does not match XXXX-see page 306 - Due Diligence Vendor-XXXX |  | Resolved-Business purpose loan, DSCR, not subject to TRID & therefore, not reg required, also overdisclosed vs. PPP rider. - Due Diligence Vendor-XXXX |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A |
| XXXX |  | 2013537 C A B | Closed | FCRE1195 | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Verified with lender that exception is unnecessary and exception form should not have been included in file. Per matrix - DSCR per credit score & loan amount = XXXX - XXXX - XXXX = XXXX . Credit verified at XXXX, exception not required. Finding moved to resolved status, no downgrade. - Due Diligence Vendor-XXXX<br> Waived-EXCEPTION ON PAGE 1 ALLOWED FOR LTV OF XXXX WITH XXXX AND DSCR SCORE FROM XXXX. XXXX PAYMENT WAS MADE, PER SUPPLEMENT-SEE PG 79 MTG HISTORY NOW VERIFIED AT XXXX - Due Diligence Vendor-XXXX |  | Resolved-Verified with lender that exception is unnecessary and exception form should not have been included in file. Per matrix - DSCR per credit score & loan amount = XXXX - XXXX - XXXX = XXXX. Credit verified at XXXX, exception not required. Finding moved to resolved status, no downgrade. - Due Diligence Vendor-XXXX<br> Waived-EXCEPTION ON PAGE 1 ALLOWED FOR LTV OF XXXX WITH XXXX AND DSCR SCORE FROM XXXX. XXXX PAYMENT WAS MADE, PER SUPPLEMENT-SEE PG 79 MTG HISTORY NOW VERIFIED AT XXXX - Due Diligence Vendor-XXXX |  | XXXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A |
| XXXX |  | 2013525 D A | Closed | FCRE5116 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Resolved - confirmed borrower meets professional investor guidelines per requirements. - Due Diligence Vendor-XXXX<br> Ready for Review-Borrower falls under the "Professional Investor" guideline which allows for waiving of housing requirements. "Housing history not required for Professional Investor. See XXXX DSCR: Professional Investor" - Seller-XXXX<br> Open-XXXX (1st mortgage on this property that was paid off at closing) - is not on credit report. Verification of XXXX months of payment history is required. No VOM in file. - Due Diligence Vendor-XXXX | Ready for Review-Borrower falls under the "Professional Investor" guideline which allows for waiving of housing requirements. "Housing history not required for Professional Investor. See XXXX DSCR: Professional Investor" - Seller-XXXX | Resolved-Resolved - confirmed borrower meets professional investor guidelines per requirements. - Due Diligence Vendor-XXXX |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXXX |  | 2013525 D A | Closed | FCRE4989 | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Verification taxes paid at closing received - Due Diligence Vendor-XXXX<br> Ready for Review-Document Uploaded. Final settlement statement uploaded which confirms delinquent taxes being paid at closing. - Seller-XXXX<br> Open-Page 75 - preliminary title shows delinquent taxes which total $XXXX. Verification these were paid prior to closing or at closing (not on CD) is required. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. Final settlement statement uploaded which confirms delinquent taxes being paid at closing. - Seller-XXXX | Resolved-Verification taxes paid at closing received - Due Diligence Vendor-XXXX |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXXX |  | 2013525 D A | Closed | 123ABCF | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Income/Employment | FICO does not meet minimum program requirement | Resolved-Documents received - Due Diligence Vendor-XXXX<br> Ready for Review-Document Uploaded. - Seller-XXXX<br> Open-1. Credit report does not show FICO scores - credit score verification required. Borrower is a US Citizen with credit tradelines and a valid SS#. TPR using 1008 credit score of XXXX until verification is received.<br>2. Credit Score Disclosure - page 319 - is blank and needs to be updated with credit scores and resent to borrower for signature. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. - Seller-XXXX | Resolved-Documents received - Due Diligence Vendor-XXXX |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXXX |  | 2013525 D A | Closed | FCRE1252 | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XXXX<br> Resolved-CPL coverage indicated which ties to title policy. - Due Diligence Vendor-XXXX<br> Ready for Review-Document Uploaded. CPL uploaded. - Seller-XXXX<br> Open-Title Document is Incomplete Title coverage equal to loan amount of XXXX is missing from preliminary title policy. - Due Diligence Vendor-XXXX | Ready for Review-Document Uploaded. CPL uploaded. - Seller-XXXX | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XXXX<br> Resolved-CPL coverage indicated which ties to title policy. - Due Diligence Vendor-XXXX |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXXX |  | 2013534 A |  |  | XXXX | XXXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  |

---

## Exhibit 99.58

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.58**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing 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 Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX |  | 2013539 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2013538 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2013537 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2013525 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXXX |  | 2013534 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.59

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.59**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX |  | 2013539 | XXXX | IN30F | Debt Service Coverage Ratio | Present | Yes | 1700 | 3400 | Appraisal - 1025 |  | N/A |  |  | 1700 | Actual In Place Rent | No | 131.72 | 0.755 | 0.759 | 2239.3 | 800 | 12-31-2025 | 12 | 900 | 05-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 | 0 |  |  | 1700 | 0 | 0 | 0 | 0 | 0 |  | No | No |  |  | 1 | N/A | 197.6 | Yes | XXXX | Corporation | Business Entity | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX |
| XXXX |  | 2013538 | XXXX | IN30F | Debt Service Coverage Ratio | Present | Yes | 2000 | 3200 | Appraisal - 1025 |  | N/A |  |  | 2000 | Actual In Place Rent | No | 111.93 | 0.889 | 0.893 | 2238.5 | 850 | 12-31-2025 | 12 | 1150 | 07-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 | 0 |  |  | 2000 | 0 | 0 | 0 | 0 | 0 | 0 | No | No |  | 4 | 1 | N/A | 197.85 | Yes | XXXX | Corporation | Business Entity | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX |
| XXXX |  | 2013537 | XXXX | IN30F | Debt Service Coverage Ratio | Present | Yes | 1700 | 3400 | Appraisal - 1025 |  | N/A |  |  | 1700 | Actual In Place Rent | No | 131.07 | 0.759 | 0.763 | 2228.27 | 900 | 12-01-2025 | 12 | 800 | 12-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28500 | 0 |  |  | 1700 | 0 | 0 | 0 | 0 | 0 | 0 | No | No |  | 6 | 1 | N/A | 137.46 | Yes | XXXX | Corporation | Business Entity | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX |
| XXXX |  | 2013525 | XXXX | IN30A56 | Debt Service Coverage Ratio | Present | Yes | 7199 | 7500 | Appraisal - 1025 |  | N/A |  |  | 7199 | Actual In Place Rent | No | 99.65 | 1 | 1.004 | 7173.57 | 2240 | 11-01-2025 | 12 | 1505 | 09-01-2025 | 12 | 1590 | 06-01-2025 | 12 | 1864 | 07-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 |  |  | 7199 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.2 | 1 | 1 | N/A | 11.33 | No |  |  | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 | Full Recourse |  |
| XXXX |  | 2013534 | XXXX | 30 yr fixed | Debt Service Coverage Ratio | Present | No | 0 | 2620 | Appraisal - 1007 |  | N/A |  |  | 2620 | Appraisal - 1007 | No | 125.34 | 0.79 | 0.798 | 3283.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52100 | 0 |  |  | 2620 | 0 | 0 | 0 | 0 | 0 | 0 | No | No |  | 1 | 1 | N/A | 6.58 | No |  |  | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |

---

## Exhibit 99.60

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.60**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 2013539 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 2013539 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX |  |
| XXXX |  | 2013539 | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 2013539 | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX |  |
| XXXX |  | 2013539 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX |  |
| XXXX |  | 2013538 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX |  |
| XXXX |  | 2013538 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 2013538 | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 2013538 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 2013538 | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX |  |
| XXXX |  | 2013538 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX |  |
| XXXX |  | 2013537 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | SAME |
| XXXX |  | 2013537 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 2013537 | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 2013537 | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 2013537 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | SAME |
| XXXX |  | 2013525 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX |  |
| XXXX |  | 2013525 | XXXX | Prepayment Penalty Type | notePage | XXXX | XXXX |  |
| XXXX |  | 2013525 | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX |  |
| XXXX |  | 2013534 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 2013534 | XXXX | Borrower 1 Email or Internet | the1003Page | XXXX | XXXX |  |
| XXXX |  | 2013534 | XXXX | Borrower 1 Phone Number | the1003Page | XXXX | XXXX |  |
| XXXX |  | 2013534 | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX |  |
| XXXX |  | 2013534 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 2013534 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX |  |
| XXXX |  | 2013534 | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX |  |

---

## Exhibit 99.61

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.61**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 103 | 104 | 105 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 |
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX |  | 2013539 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 12.09.24 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1808.42 | No | XXXX | XXXX | $2097.12 | $174.76 | $0.00 | $0.00 | $0.00 | $2239.30 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | Yes | 0.759 | 0.755 |  | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | 12/31/2024 | 12/31/2024 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 442494.67 | 197.6 | 442494.67 | 197.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 2013538 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 12.09.24 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1808.41 | No | XXXX | XXXX | $2097.12 | $174.76 | $0.00 | $0.00 | $0.00 | $2238.50 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | Yes | 0.893 | 0.889 |  | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | 12/31/2024 | 12/31/2024 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 442884.62 | 197.9 | 442884.62 | 197.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 2013537 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 12.09.24 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $1808.41 | No | XXXX | XXXX | $2006.64 | $167.22 | $0.00 | $0.00 | $0.00 | $2228.27 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.763 | 0.759 |  | Borrower | Borrower | XXXX | XXXX | XXXX | XXXX | XXXX | 12/31/2024 | 12/31/2024 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 306300.82 | 137.5 | 306300.82 | 137.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 2013525 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 12.09.24 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 9.375% | $5910.40 | No | XXXX | XXXX | $1259.04 | $104.92 | $0.00 | $0.00 | $0.00 | $7173.57 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.004 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | 02/27/2025 | 02/27/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 81307.36 | 11.3 | No | 68.75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 2013534 | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 02.11.25 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $2712.55 | No | XXXX | XXXX | $1498.68 | $124.89 | $0.00 | $0.00 | $0.00 | $3283.94 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 0.798 | 0.79 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XXXX | XXXX | XXXX | 01/22/2025 | 01/22/2025 |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21623.05 | 6.6 | 21623.05 | 6.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.62

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.62**

---

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| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 2013539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | CLEAR CAPITAL | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX |  | 2013538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | CLEAR CAPITAL | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX |  | 2013537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | CLEAR CAPITAL | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX |  | 2013525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | CLEAR CAPITAL | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXX |  | 2013534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | CLEAR CAPITAL | MODERATE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

## Exhibit 99.63

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.63**

![](ex9963001.jpg)

**NARRATIVE**

**EFMT 2025-INV3**

**By Canopy Financial Technology Partners LLC on June 09, 2025**

Canopy Financial Technology Partners LLC

<u>chweeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.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 Ellington Financial Inc., and Ellington Empire Fund LLC (the "Client") or its affiliated company. The Review was conducted from December 2024 to April 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of Eleven (11) Loans with an aggregate principal balance of $4,778,201.00.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**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 |
| &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 |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.jpg)

**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;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.jpg)

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● 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.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.jpg)

In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

● Confirmed that the flood certification is for the correct borrower, property, lender and loan number and is a "Life of Loan" certification;

● Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns;"

● Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;

● For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines;

● For properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.jpg)

● Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and

● Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

**Automated Underwriting System Findings:** N/A

**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.

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**"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.

**"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;

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(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C.
 §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

(iv) the **Equal Credit Opportunity Act** ("ECOA") **, 15 U.S.C.** §1691
 as implemented by Regulation B, 12 C.F.R. §1001.1(b);

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial
 Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loans
 were reviewed for violations of federal, state & local high cost, higher-priced and/or
 consumer finance laws and regulations that carry Assignee Liability, including those
 defined below. Any loan that is determined to be classified and/or defined as high cost,
 higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition
 was reported.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the following
 requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
 Review Scope ("TRID Grid 3.0" v.12/05/2019);

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable
 Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements
 as set forth in regulations promulgated by the Consumer Financial Protection Bureau as
 found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance
 with RESPA/Regulation X documentation and timing requirements in effect at origination
 of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated
 Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership
 Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18,
 2014 requirements regarding the disclosure of the right to receive a copy of appraisals
 within three (3) business days of application, the right to receive a copy of the appraisals
 at least three (3) business days prior to consummation and any applicable waiver. The
 disclosure of the right to receive a copy of appraisals may be met by the disclosure
 on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
 V requirements regarding risk-based pricing notice, credit score disclosure and Notice
 to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report mandatory arbitration provisions present in the
 Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report single premium credit insurance policies
 or debt cancellation agreements present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

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**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.

● 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.

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● 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; 24-1.1(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.

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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.

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**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

***Independent third-party values***

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.

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**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.

---

| | |
|:---|:---|
| &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. |

---

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---

| | |
|:---|:---|
| &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** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (11 loans) have an overall grade of "A" and 0.00% (0 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (11 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (11 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (11 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.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;11 | &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;**Grand Total** | &nbsp;&nbsp;**11** | &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;11 | &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;**Grand Total** | &nbsp;&nbsp;**11** | &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;11 | &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;**Grand Total** | &nbsp;&nbsp;**11** | &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;11 | &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;**Grand Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.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;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4778201.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4778201.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4778201.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4778201.00** |
| &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;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Limited Cash-Out (GSE Definition) | &nbsp;&nbsp;1 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$318000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;36.36% | &nbsp;&nbsp;$2455200.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$2005001.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4778201.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4778201.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4778201.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4778201.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4778201.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.jpg)

**DATA COMPARISON RESULTS**

Of the Eleven (11) mortgage Loan Files reviewed, Four (4) unique loan (36.36% by number) had Four (4) tape comparison discrepancies across Four (4) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with <br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &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;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.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.* 

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9963001.jpg)

*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.* 

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.64

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.64**

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 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 | 106 | 107 | 108 | 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 | 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 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** |
| 2013540 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.885 | 0.891 | N/A | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 26.44 | xxx | 26.44 | No | 70 | N/A |
| 2013541 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.918 | 0.918 |  | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 95.87 | xxx | 95.87 | No | 70 | N/A |
| 2013524 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.754 | 0.632 | N/A | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 15.74 | xxx | 15.74 | No | 70 | N/A |
| 2013536 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.77 | 0.77 |  | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.02 | No | 74.3 | N/A |
| 2013528 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx |  | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.832 | 0.832 |  | Borrower - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.01 | xxx | 17.01 | No | 75 | N/A |
| 2013527 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.848 | 0.848 | N/A | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 94.68 | xxx | 94.68 | No | 75 | N/A |
| 2013533 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.80% | 46.80% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | xxx | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.35 | No | 80 | N/A |
| 2013519 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 45.29 | No | 73.33 | N/A |
| 2013520 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.146 | 1.14 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 36.46 | xxx | 36.46 | No | 80 | N/A |
| 2013532 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.036 | 1.036 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 22.53 | No | 80 | N/A |
| 2013518 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.149 | 1.165 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 5.13 | xxx | 9.95 | No | 75 | N/A |

---

## Exhibit 99.65

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.65**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 2013540 |  | xxx | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 112.99 | 0.891 | 0.885 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 26.44 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013541 |  | xxx | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 108.96 | 0.918 | 0.918 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 2 | 1 | N/A | 95.87 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013524 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 132.67 | 0.632 | 0.754 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 |  | xxx |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.74 | No |  |  | Vested Individual | xxx | xxx |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013536 |  | xxx | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 129.95 | 0.77 | 0.77 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  |  | No | xxx | 1 | 1 | N/A | 0.02 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013528 |  | xxx | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 120.14 | 0.832 | 0.832 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 17.01 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013527 |  | xxx | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 117.93 | 0.848 | 0.848 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 |  | 0 | No | No | 0 | 1 | 1 | N/A | 94.68 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013533 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | xxx | 1 | 1 | N/A | 16.35 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxx |
| 2013519 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 99.97 | 1 | 1 | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | xxx | 1 | 1 | N/A | 45.29 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013520 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 87.23 | 1.14 | 1.146 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 36.46 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013532 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 120.93 | 1.036 | 1.036 | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | xxx | 1 | 1 | N/A | 22.53 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 2013518 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 87.03 | 1.165 | 1.149 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  |  | No | xxx | 1 | 1 | N/A | 9.95 | No | xxx | Limited Liability Corporation (LLC) | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.66

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.66**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2013540 |  | xxx | xxx A |
| 2013541 |  | xxx | xxx A |
| 2013524 |  |  | xxx A |
| 2013536 |  | xxx | xxx A D |
| 2013528 |  | xxx | xxx A |
| 2013527 |  | xxx | xxx A |
| 2013533 |  |  | xxx D A |
| 2013519 |  |  | xxx A |
| 2013520 |  |  | xxx A |
| 2013532 |  |  | xxx A D |
| 2013518 |  |  | xxx A |

---

## Exhibit 99.67

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.67**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2013540 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2013541 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2013524 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2013536 |  | xxx D A | Closed | FCOM1477 | 2025-02-13 13:18 | 2025-02-19 08:36 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. attached. - Seller-02/18/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. attached. - Seller-02/18/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/19/2025<br>|  |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 3418272 |
| 2013528 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2013527 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2013533 |  | D A | Closed | FCRE1316 | 2025-03-03 12:00 | 2025-03-28 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/27/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Third-Party employment verification obtained prior to close. - Due Diligence Vendor-03/03/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.99 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 3513439 |
| 2013533 |  | D A | Closed | FCRE1325 | 2025-03-03 12:00 | 2025-03-28 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/27/2025 <br>Open-Borrower 1 CPA Letter Missing Document two-years current continuous self-employment with statement from corporate accountant / CPA. - Due Diligence Vendor-03/03/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/28/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.99 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 3513440 |
| 2013533 |  | D A | Closed | FCRE7497 | 2025-03-03 12:22 | 2025-03-06 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1008 & 1003 provided. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Please see attached documentation for xxx and a revised 1008. The first mortgage is escrowed and there is a 2nd mortgage but the 1008 has the taxes and insurance broken out. Revised DTI is higher but is within tolerance - Buyer-03/05/2025 <br> Open-Provide documentation or borrower explanation regarding any HOA fees for xxx. - Due Diligence Vendor-03/03/2025 |  | Resolved-Updated 1008 & 1003 provided. - Due Diligence Vendor-03/06/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.99 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 3513767 |
| 2013519 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2013520 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 2013532 |  | D A | Closed | FCOM1512 | 2025-03-31 08:45 | 2025-04-03 09:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Signed HUD provided - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. see attached final est. SS - Buyer-04/02/2025 <br>Open-Please provide Final ALTA Settlement Statement - Due Diligence Vendor-04/02/2025 |  | Resolved-Signed HUD provided - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.31 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 3728772 |
| 2013518 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.68

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.68**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2013540 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2013541 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2013524 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2013536 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 74.3 | 74.3 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2013528 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 2013527 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 2013533 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2013519 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 73.33 | 73.33 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2013520 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2013532 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2013518 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.69

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.69**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 2013527 |  | 1081019606 | XXX | Calculated DSCR | 0.848 | N |
| 2013519 |  |  | XXX | Prepayment Penalty | No | Yes |
| 2013518 |  |  | XXX | Property Type | Two to Four Unit | Single Family Detached |
| 2013533 |  |  | XXX | Qualifying Total Debt Income Ratio | 46.8 | 37.74 |

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## Exhibit 99.70

[EFMT DEPOSITOR LLC ABS-15G](efmtinv3-abs15g.htm)

**Exhibit 99.70**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 2013540 | xxx |  | xxx | 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 |
| 2013541 | xxx |  | xxx | 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 |
| 2013524 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 2013536 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 2013528 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 2013527 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 2013533 |  |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 2013519 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 2013520 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 2013532 |  |  | xxx | 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 |
| 2013518 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |

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