Exhibit 99.2

Selene Diligence LLC (“Selene”) Due
Diligence Review Narrative (“Report”)

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

DESCRIPTION OF SERVICES:

(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 Santander Bank N.A. (the “Client”). The review was conducted between October 24 2024 and April 15 2025 via files imaged and provided for review (the “Review”).

(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 57 Non-QM loans and 30 ATR-QM exempt loans for a total of 87 loans the “Final Securitization Population”.

Credit Reviews (87):

During the Review, Selene performed a credit review on 87 mortgage loans in the Final Securitization Population.

Compliance Review (87)

During the Review, Selene performed a compliance review when applicable on 87 mortgage loans in the Final Securitization Population.

Valuation Reviews (87):

During the Review, Selene performed a property valuation review on 87 mortgage loans in the Final Securitization Population.

Data Integrity Review (87):

During the Review, Selene performed a Data Integrity Review on 87 mortgage loans in the Final Securitization Population.

FINAL SECURITIZATION POPULATION

After Selene’s initial review was completed, the Client provided Selene with a confirmed list of 87 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

Review	Reviewed Total	% of Final Securitization Population
Credit Population	87	100%
Compliance Population	87	100%
Valuation Population	87	100%
Data Integrity Population	87	100%

(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&P Global Ratings (“S&P”) (the “NRSRO(s)”).

(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.

(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.

GUIDELINES

LoanStream One Guide, Kind Lending Non-Agency Program Guidelines, Easy Street Easy Rent DSCR Guidelines (collectively the “Guidelines”)

LOAN GRADING

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.

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SCOPE OF REVIEW

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

CREDIT REVIEW

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

Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

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

COMPLIANCE REVIEW

Selene’s compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

PROPERTY VALUATION REVIEW

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

Original Appraisal Assessment

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

Value Supported Analysis

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

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DATA INTEGRITY REVIEW

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

	·	Tape data received from lender/client is stored in a secured FTP folder;
	·	Tape data is uploaded into the application;
	·	Loan Reviewer collects validated loan data;
	·	Each received data point is compared to its counterpart collected data point; and
	·	Discrepancies found during comparison are stored and reported.

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

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.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 87 mortgage loans, (ii) a Compliance Review on 87 mortgage loans (iii) a Valuation Review on 87 mortgage loans, and (iv) a Data Integrity Review on 87 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 87 mortgage loans; 83 mortgage loans had a rating grade of A, 4 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

Grades per loan (87 overall loans):

	INITIAL RA GRADES - OVERALL		FINAL RA GRADES - OVERALL
NRSRO Grade	S&P	%	NRSRO Grade	S&P	%
A	24	27.59%	A	83	95.40%
B	1	1.15%	B	4	4.60%
C	19	21.84%	C	0	0.00%
D	43	49.43%	D	0	0.00%

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Final Grades per loan broken out by compliance, credit and property:

	FINAL RA GRADES - COMPLIANCE			FINAL RA GRADES - CREDIT
NRSRO Grade	S&P	%	NRSRO Grade	S&P	%
A	85	97.70%	A	85	97.70%
B	2	2.30%	B	2	2.30%
C	0	0.00%	C	0	0.00%
D	0	0.00%	D	0	0.00%

	FINAL RA GRADES - PROPERTY
NRSRO Grade	S&P	%
A	87	100.00%
B	0	0.00%
C	0	0.00%
D	0	0.00%

REVIEW RESULTS SUMMARY (EXCEPTION LISTING)

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

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

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

THIRD PARTY REVIEW REPORTING DELIVERED

Selene furnished the following reports on this transaction:

1.	Selene Due Diligence Narrative Report
2.	ASF Report
3.	Grading Summary
4.	Exception Detail
5.	Tape Discrepancies
6.	Valuations Report
7.	Supplemental Data
8.	Third Party (TPR) Attestation Form
9.	Attestation Form 15E

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APPENDIX A – CREDIT REVIEW SCOPE

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

Credit Application

For the Credit Application, Selene verified whether:

The application is signed by all listed borrowers;

The application is substantially filled out; and

All known borrower-owned properties are disclosed on the Real Estate Owned section.

Credit Report

Selene verified:

A credit report and/or other credit history documentation is present for each borrower;

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

Note the Real Estate Owned and fraud alerts; and

Gather data required for ASF Report submission which may include:

Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

Most recent FICO date

Longest Trade Line

Maximum Trade Line

Number of trade lines

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:

Verbal or Written VOE’s

Pay stubs

W-2 forms

Tax returns

Financial statements

Award letters

Bank statements

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Asset Review

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

VOD’s

Depository account statements

Stock or security account statements

Gift funds

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:

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

For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a “Life of Loan” certification;

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;

Confirm that the mortgagee clause lists the lender’s name and “its successors and assigns”; and

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:

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

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	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;
	4.	Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;
	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
	6.	Addressed all red flag issues.

Additional Review

Selene’s review procedures also included:

A review of the completeness and accuracy of the information obtained in the mortgage origination process;

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

Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

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;

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

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

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APPENDIX B – COMPLIANCE REVIEW SCOPE

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

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

Rescission (§1026.23):

	i)	failure to provide the right of rescission notice;
	ii)	failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);
	iii)	errors in the right of rescission notice;
	iv)	failure to provide the correct form of right of rescission notice;
	v)	failure to provide the three (3) business day rescission period;
	vi)	any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and
	vii)	with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:

	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).

Tolerances (§§1026.18, 22 and 23):

	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.

High-cost Mortgage (§§1026.31, 32 and 33):

	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.

Higher-priced Mortgage Loan (§1026.35):

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

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

	i)	review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;
	ii)	review relevant document to determine if there was dual compensation; and
	iii)	review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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Homeownership counseling (§1026.36):

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.

Prohibition on Financing Credit Insurance (§1026.36):

determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):

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

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):

Loan Estimate (LE) (§§1026.19 and 37):

	i)	confirm the presence of LE for applications on or after October 3, 2015;
	ii)	confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;
	iii)	confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;
	iv)	confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;
	v)	confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;
	vi)	confirm borrower received LE not later than four (4) business days prior to consummation; and
	vii)	confirm LE was not provided to the borrower on or after the date of the CD.

Closing Disclosure (CD) (§§1026.19 and 38):

	i)	confirm the presence of CD for applications on or after October 3, 2015;
	ii)	confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;
	iii)	confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;
	iv)	confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;
	v)	identify tolerance violations based on the charges disclosed on the initial and interim LE’s, initial CD, and reflected on the final CD; and
	vi)	with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

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

the general Ability to Repay (“ATR”) underwriting standards (12 C.F.R. 1026.43(c));

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

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

General Ability to Repay

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

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

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

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

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SCHEDULE I

Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.

(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)

AL Consumer Credit License- Mortgage Broker License

	2.	AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution Registration
	3.	AR Home Loan Protection Act
	4.	AZ Mortgage Banker & Broker License-Consumer Lender License
	5.	CA AB 489/344 (Division 1.6 of the Financial Code)
	6.	CO Consumer Equity Protection Article
	7.	CO Consumer Credit Code
	8.	DE Licensed Lender License Broker License Lender License
	9.	Washington, DC Home Loan Protection Act of 2002
	10.	Washington, DC Mortgage Disclosure Act of 2007
	11.	FL Fair Lending Act
	12.	GA Fair Lending Act (pre- and post-amendments)
	13.	HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator Company License
	14.	ID Residential Mortgage Practices Act - (Home Loan Practices article)
	15.	IN Home Loan Practices Article
	16.	IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License- Master Loan Company Registration Nonprofit Mortgage Banker Registrant
	17.	KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207
	18.	LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License
	19.	MA Mortgage Lender and Broker Regulations
	20.	MD Commercial Law amended by Maryland Senate Bill 270
	21.	Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR
	22.	MI Consumer Mortgage Protection Act
	23.	MN Mortgage Originator and Servicer Licensing Act
	24.	MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen
	25.	MO Mortgage Company License
	26.	MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License
	27.	NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009,2013 amendments)
	28.	ND Money Broker License
	29.	NE Mortgage Bankers Registration and Licensing Act
	30.	NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License
	31.	NJ Home Ownership Security Act 2002 (pre- and post-amendments)

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	32.	NM Home Loan Protection Act (pre- and post-amendments)
	33.	OH Consumer Sales Practices Act
	34.	Cleveland Heights, OH Ordinance Prohibiting Predatory Loans
	35.	Summit County, OH Consumer Affairs Board Ordinance
	36.	Summit County, OH Consumer Protection Ordinance
	37.	OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)
	38.	OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License
	39.	PA Consumer Equity Protection Act
	40.	RI Home Loan Protection Act and Regulation 3
	41.	SD Mortgage Lender License – Mortgage Broker License
	42.	TN Home Loan Protection Act
	43.	UT Residential Mortgage Practices and Licensing Act
	44.	VA Mortgage Lender and Broker Act
	45.	WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage Broker License
	46.	WV Residential Mortgage Lender, Broker and Servicer Act
	47.	WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

The following state specific regulations which address high cost, higher priced and anti-predatory lending.

	48.	CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment
	49.	CT Abusive Home Lending Practices Act
	50.	CT Nonprime Home Loans Statute
	51.	IL Office of Banks and Real Estate High Risk Home Loan Regulations
	52.	IL High Risk Home Loan ActL Predatory Lending Database Program
	53.	Chicago, IL Predatory Lending Ordinance
	54.	Cook County, IL Predatory Lending Ordinance
	55.	KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)
	56.	ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)
	57.	MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA “Borrower’s Interest” Standard
	58.	Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law
	59.	NC Restrictions and Limitations of Home Loans and High-Cost Home Loans
	60.	NV Unfair Lending Practices Act – Anti Predatory Lending Law
	61.	NY GRBB Part 41 (pre- and post-amendments)
	62.	NY Banking Law 6-L
	63.	NY Banking Law 6-M
	64.	OH Anti - Predatory Lending Act (pre- and post-amendments)
	65.	Cleveland Heights, OH Ordinance Prohibiting Predatory Loans
	66.	RI Providence Ordinance Regarding Predatory Lending (post-amendment)
	67.	SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

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	68.	TX Home Loan and High Cost Home Loan Act
	69.	UT High Cost Home Loan Act
	70.	VT High Rate Loans
	71.	VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License
	72.	WI Responsible High Cost Mortgage Lending Act

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APPENDIX C – VALUATION REVIEW SCOPE

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

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

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

Disclaimer

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.

	o	Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.
	o	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 16 of 16

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

Loan ID

Seller Loan ID

Investor Loan ID

Original Loan Amount

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

xxxxxx0474

XXXX

xxxxxx0849

XXXX

xxxxxx8670

XXXX

xxxxxx6381

XXXX

xxxxxx9417

XXXX

xxxxxx8514

XXXX

xxxxxx0898

XXXX

xxxxxx2274

XXXX

xxxxxx1097

XXXX

xxxxxx7215

XXXX

xxxxxx5822

XXXX

xxxxxx7850

XXXX

xxxxxx8533

XXXX

xxxxxx9587

XXXX

xxxxxx9712

XXXX

xxxxxx0498

XXXX

xxxxxx9782

XXXX

xxxxxx0101

XXXX

xxxxxx0897

XXXX

xxxxxx1498

XXXX

xxxxxx0284

XXXX

xxxxxx1164

XXXX

xxxxxx8898

XXXX

xxxxxx8079

XXXX

xxxxxx1475

XXXX

xxxxxx1434

XXXX

xxxxxx9838

XXXX

xxxxxx7346

XXXX

xxxxxx0333

XXXX

xxxxxx6695

XXXX

xxxxxx9583

XXXX

xxxxxx1462

XXXX

xxxxxx1846

XXXX

xxxxxx9629

XXXX

xxxxxx7563

XXXX

xxxxxx1813

XXXX

xxxxxx9930

XXXX

xxxxxx0331

XXXX

xxxxxx7757

XXXX

xxxxxx1003

XXXX

xxxxxx8948

XXXX

xxxxxx7468

XXXX

xxxxxx8106

XXXX

xxxxxx0826

XXXX

xxxxxx6708

XXXX

xxxxxx0325

XXXX

xxxxxx0981

XXXX

xxxxxx7823

XXXX

xxxxxx6556

XXXX

xxxxxx1521

XXXX

xxxxxx1406

XXXX

xxxxxx6562

XXXX

xxxxxx1104

XXXX

xxxxxx6563

XXXX

xxxxxx0469

XXXX

xxxxxx0483

XXXX

xxxxxx9094

XXXX

xxxxxx0580

XXXX

xxxxxx0023

XXXX

xxxxxx9404

XXXX

xxxxxx9323

XXXX

xxxxxx7746

XXXX

xxxxxx9305

XXXX

xxxxxx9634

XXXX

xxxxxx7067

XXXX

xxxxxx9293

XXXX

xxxxxx8431

XXXX

xxxxxx8123

XXXX

xxxxxx8707

XXXX

xxxxxx9578

XXXX

xxxxxx8494

XXXX

xxxxxx1028

XXXX

xxxxxx8288

XXXX

xxxxxx8438

XXXX

xxxxxx9934

XXXX

xxxxxx8312

XXXX

xxxxxx9379

XXXX

xxxxxx9893

XXXX

xxxxxx9223

XXXX

xxxxxx9385

XXXX

xxxxxx9814

XXXX

xxxxxx8880

XXXX

xxxxxx6054

XXXX

xxxxxx9014

XXXX

xxxxxx0906

XXXX

xxxxxx8142

XXXX

xxxxxx9406

XXXX

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

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

xxxxxx0474

Closed

2024-10-26 16:20

2024-11-01 13:37

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement Violation) (TILA)

Resolved-Cleared after entering in PCCD - Due Diligence Vendor-11/01/2024
Ready for Review-Document Uploaded. PCCD to evidence XXXX disbursement date - Seller-10/31/2024
Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Disbursement should be happen after rescission date (XXXX) but per final CD disbursement date is XXXX. - Due Diligence Vendor-10/26/2024

Ready for Review-Document Uploaded. PCCD to evidence XXXX disbursement date - Seller-10/31/2024

Resolved-Cleared after entering in PCCD - Due Diligence Vendor-11/01/2024

XXXX

Primary Residence

Refinance

Cash Out - Other

2689116

N/A

XXXX

xxxxxx0474

Closed

2024-10-26 14:42

2024-11-01 13:18

Resolved

1 - Information

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-11/01/2024
Ready for Review-Document Uploaded. Final Title Policy - Seller-10/31/2024
Open-Title Coverage Amount of $0 is Less than Loan Amount $XXXX - Due Diligence Vendor-10/26/2024

Ready for Review-Document Uploaded. Final Title Policy - Seller-10/31/2024

Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/01/2024

XXXX

Primary Residence

Refinance

Cash Out - Other

2688869

N/A

XXXX

xxxxxx0474

Closed

2024-10-26 14:35

2024-11-01 08:48

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-1008 document uploaded, verified & entered in System - Resolved.
- Due Diligence Vendor-11/01/2024

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. 1008 - Seller-10/31/2024

Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-10/26/2024

Ready for Review-Document Uploaded. 1008 - Seller-10/31/2024

Resolved-1008 document uploaded, verified & entered in System - Resolved.
- Due Diligence Vendor-11/01/2024

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/01/2024

XXXX

Primary Residence

Refinance

Cash Out - Other

2688854

N/A

XXXX

xxxxxx0474

Closed

2024-10-26 16:20

2024-10-31 13:33

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.075%) equals or exceeds the California HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.12%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#427 and the Final Closing disclosure on Pg#239 reflects escrows. Rate lock date was entered correctly see Pg#379 An interior and exterior appraisal was completed for this property – see Page#24-54 the appraisal disclosure was provided to the borrower(s)- see Pg#21 and copy of the appraisal was given to the borrower see Pg#22for the copy of the disclosure. The loan meets HPML guidelines"
- Due Diligence Vendor-10/26/2024

Primary Residence

Refinance

Cash Out - Other

2689114

N/A

XXXX

xxxxxx0474

Closed

2024-10-26 16:20

2024-10-31 13:33

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (8.075%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#427 and the Final Closing disclosure on Pg#239 reflects escrows. Rate lock date was entered correctly see Pg#379 An interior and exterior appraisal was completed for this property – see Page#24-54 the appraisal disclosure was provided to the borrower(s)- see Pg#21 and copy of the appraisal was given to the borrower see Pg#22 for the copy of the disclosure. The loan meets HPML guidelines"
- Due Diligence Vendor-10/26/2024

Primary Residence

Refinance

Cash Out - Other

2689115

N/A

XXXX

xxxxxx0849

Closed

2024-10-29 09:31

2024-11-07 15:12

Resolved

1 - Information

Compliance

Missing Doc

Missing Prepayment Rider

Resolved-received recorded DOT - Due Diligence Vendor-11/07/2024

Ready for Review-Document Uploaded. Re-recorded DOT to include the Prepay Rider - Seller-11/06/2024

Open-Provide prepayment rider as its missing in file. - Due Diligence Vendor-10/29/2024

Ready for Review-Document Uploaded. Re-recorded DOT to include the Prepay Rider - Seller-11/06/2024

Resolved-received recorded DOT - Due Diligence Vendor-11/07/2024

XXXX

Investment

Purchase

2700104

N/A

XXXX

xxxxxx0849

Closed

2024-11-01 14:07

2024-11-06 13:26

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Validation Resolved' - Due Diligence Vendor-11/06/2024

Ready for Review-Document Uploaded. This is a reverse mortgage. The borrower is not subject to mortgage payments as the terms of the note. Reverse Mortgage Note attached - Seller-11/05/2024

Open-VOR/VOM Doc Status should not be 'Missing'. per GLS 12 month housing history required, mortgage for PPH not on credit report
VOM required - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. This is a reverse mortgage. The borrower is not subject to mortgage payments as the terms of the note. Reverse Mortgage Note attached - Seller-11/05/2024

Resolved-Validation Resolved' - Due Diligence Vendor-11/06/2024

XXXX

Investment

Purchase

2727378

N/A

XXXX

xxxxxx8670

Closed

2024-10-30 11:10

2024-11-13 21:52

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2024

Open-The Final 1003 is Missing - Due Diligence Vendor-11/13/2024

Resolved-Updated 1003 provided-resolved - Due Diligence Vendor-11/05/2024

Ready for Review-Document Uploaded. Updated 1003 - Seller-11/04/2024

Open-The Final 1003 is Missing 1. Years in Job is > years in industry. 2. Borrower is 100% Owner per Operating Agreement and CPA. However, Title on 1003 is Vice President. LOX required. - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. Updated 1003 - Seller-11/04/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2024

Resolved-Updated 1003 provided-resolved - Due Diligence Vendor-11/05/2024

XXXX

Primary Residence

Purchase

2709990

N/A

XXXX

xxxxxx8670

Closed

2024-11-01 20:26

2024-11-13 18:32

Resolved

1 - Information

Credit

FEMA disaster issue and/or risk.

Resolved-Document Uploaded. Free and clear of disaster related damage - Due Diligence Vendor-11/13/2024
Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.
- Due Diligence Vendor-11/01/2024

Resolved-Document Uploaded. Free and clear of disaster related damage - Due Diligence Vendor-11/13/2024

XXXX

Primary Residence

Purchase

2731042

N/A

XXXX

xxxxxx8670

Closed

2024-11-01 20:26

2024-11-13 18:32

Resolved

1 - Information

Credit

FEMA disaster issue and/or risk. (2)

Resolved-Document Uploaded. Free and clear of disaster related damage - Due Diligence Vendor-11/13/2024

XXXX

Primary Residence

Purchase

2731044

N/A

XXXX

xxxxxx8670

Closed

2024-11-01 16:08

2024-11-05 18:14

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-Wire confirmation provided-resolved - Due Diligence Vendor-11/05/2024
Ready for Review-Document Uploaded. Gift Wire - Seller-11/04/2024
Open-Proof of Gift fund transfer XXXX per Gift Letter missing from file. - Due Diligence Vendor-11/01/2024

Ready for Review-Document Uploaded. Gift Wire - Seller-11/04/2024

Resolved-Wire confirmation provided-resolved - Due Diligence Vendor-11/05/2024

XXXX

Primary Residence

Purchase

2728868

N/A

XXXX

xxxxxx8670

Closed

2024-10-30 11:47

2024-11-05 18:10

Resolved

1 - Information

Credit

Closing

Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date)

Resolved-GAP Report provide - Due Diligence Vendor-11/05/2024
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/05/2024
Ready for Review-Document Uploaded. Gap credit - Seller-11/05/2024
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). GAP credit report, XXXX is more than 10 days from closing date is XXXX. - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. Gap credit - Seller-11/05/2024

Resolved-GAP Report provide - Due Diligence Vendor-11/05/2024

Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/05/2024

XXXX

Primary Residence

Purchase

2710182

N/A

XXXX

xxxxxx8670

Closed

2024-10-30 13:04

2024-11-18 17:15

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 393 and the Final Closing disclosure on Pg#’s 206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 398. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 31, and confirmation the appraisal was delivered to the borrower – see Pg#’s 32. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-11/18/2024

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 393 and the Final Closing disclosure on Pg#’s 206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 398. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 31, and confirmation the appraisal was delivered to the borrower – see Pg#’s 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/18/2024

Ready for Review-Document Uploaded. Disaster Report - Seller-11/14/2024

Open- - Due Diligence Vendor-11/13/2024

Resolved-The loan's (10.301%) APR equals or exceeds the Federal HPML threshold of (7.6%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML guidelines. - Due Diligence Vendor-10/30/2024

Ready for Review-Document Uploaded. Disaster Report - Seller-11/14/2024

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 393 and the Final Closing disclosure on Pg#’s 206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 398. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 31, and confirmation the appraisal was delivered to the borrower – see Pg#’s 32. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-11/18/2024

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 393 and the Final Closing disclosure on Pg#’s 206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 398. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 31, and confirmation the appraisal was delivered to the borrower – see Pg#’s 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/18/2024

Resolved-The loan's (10.301%) APR equals or exceeds the Federal HPML threshold of (7.6%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML guidelines. - Due Diligence Vendor-10/30/2024

XXXX

Primary Residence

Purchase

2710830

N/A

XXXX

xxxxxx6381

Closed

2024-11-04 16:22

2024-11-06 13:52

Resolved

1 - Information

Property

Value

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Updated property page. - Due Diligence Vendor-11/06/2024

Ready for Review-Document Uploaded. XXXX SSR with CU score - Seller-11/05/2024

Open-No CU score provided need desk review - Due Diligence Vendor-11/04/2024

Ready for Review-Document Uploaded. XXXX SSR with CU score - Seller-11/05/2024

Resolved-Updated property page. - Due Diligence Vendor-11/06/2024

XXXX

Primary Residence

Refinance

Cash Out - Other

2736927

N/A

XXXX

xxxxxx6381

Closed

2024-10-31 07:12

2024-10-31 08:36

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (8.1%) APR equals or exceeds the Federal HPML threshold of (7.54%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.04%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.’s 272, and the Final Closing disclosure on Pg.’s 119, Finding reflects escrows. Rate lock date was entered correctly – see Pg.’s 376,281,117. An interior and exterior appraisal was completed for this property – see pg.20, the appraisal disclosure was provided to the borrower(s) and confirmation the appraisal was delivered to the borrower – see Pg.’s 15,16. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2024

Primary Residence

Refinance

Cash Out - Other

2718532

N/A

XXXX

xxxxxx9417

Closed

2024-10-31 05:07

2024-11-12 13:03

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Short Form Policy document received in full. Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s). System updated & Resolved. - Due Diligence Vendor-11/12/2024
Ready for Review-Document Uploaded. Complete final title policy - Seller-11/11/2024
Counter-The Short Form Residential Loan Policy document uploaded was not complete; it was missing a page or two at the beginning. Unable to verify the information with the pages that were provided. - Due Diligence Vendor-11/11/2024
Ready for Review-Document Uploaded. Final Title Policy - Seller-11/07/2024
Open-Title Coverage Amount of $400000 is Less than Loan Amount Title Coverage Amount of $XXXX is Less than the Loan Amount of $XXXX. - Due Diligence Vendor-10/31/2024

Ready for Review-Document Uploaded. Complete final title policy - Seller-11/11/2024

Ready for Review-Document Uploaded. Final Title Policy - Seller-11/07/2024

XXXX

Investment

Refinance

Cash Out - Other

2718165

N/A

XXXX

xxxxxx8514

Closed

2024-11-05 14:28

2024-11-22 13:54

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Insurance Checklist of Coverage provided showing the Replacement Cost of $XXXX, which is the basis for the limit of insurance. - Due Diligence Vendor-11/22/2024
Ready for Review-Document Uploaded. RCE - Seller-11/21/2024
Open-Insurance Coverage A Amount is $XXXX, which is insufficient to cover the loan amount of $XXXX or the Replacement Cost New on the Appraisal. Per Kind guidelines: "The hazard insurance coverage should be equal to the lesser of:
· Replacement Cost Estimator from the property insurer or a 3rd party source, if provided (broker to provide).
· Estimated cost to replace the dwelling from a recent appraisal, if provided.
· The unpaid principal balance of the mortgage." - Due Diligence Vendor-11/05/2024

Ready for Review-Document Uploaded. RCE - Seller-11/21/2024

Resolved-Insurance Checklist of Coverage provided showing the Replacement Cost of $XXXX, which is the basis for the limit of insurance. - Due Diligence Vendor-11/22/2024

XXXX

Investment

Purchase

2743972

N/A

XXXX

xxxxxx8514

Closed

2024-11-05 13:37

2024-11-21 13:45

Resolved

1 - Information

Credit

DTI unknown

Resolved-Updated 1003/1008 received. Updated the system. Our DTI of 45.5869% matches the new DTI of the Lender of 45.59%. Resolved. - Due Diligence Vendor-11/21/2024

Ready for Review-Document Uploaded. Updated 1008 & 1003 - Seller-11/20/2024

Open-Section 3 (a & b) of the Final 1003 shows that the borrower has two other properties. It is marked that neither have any mortgage loans, but the Monthly Insurance, Taxes, Association Dues, Etc fields were left blank. Page 18-19 of the Fraud Manager Report (pages 530-531 of the PDF) show both of these properties in the borrower's name. If there are no mortgages associated, but are still owned, Taxes/Insurance should still be a consideration. Page 402 of the PDF is a Letter of Explanation from the borrower about the prior mortgage on the primary residence was paid off (and is shown on page 11of15 of the credit report (PDF page 324). The file lacks the calculation of taxes/insurance of both of these properties. There is no evidence that they are paid by someone else, or there is no explanation why they were omitted from calculation. - Due Diligence Vendor-11/05/2024

Ready for Review-Document Uploaded. Updated 1008 & 1003 - Seller-11/20/2024

Resolved-Updated 1003/1008 received. Updated the system. Our DTI of 45.5869% matches the new DTI of the Lender of 45.59%. Resolved. - Due Diligence Vendor-11/21/2024

XXXX

Investment

Purchase

2743501

N/A

XXXX

xxxxxx0898

Closed

2024-10-31 11:19

2024-11-05 18:42

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (10.277%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.’s 382, and the Final Closing disclosure on Pg.’s 205, Finding reflects escrows. Rate lock date was entered correctly – see Pg.’s 509,388,119. An interior and exterior appraisal was completed for this property – see pg.37, the appraisal disclosure was provided to the borrower(s) and confirmation the appraisal was delivered to the borrower – see Pg.’s 33,34. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2024

Primary Residence

Purchase

2719395

N/A

XXXX

xxxxxx1097

Closed

2024-11-13 15:54

2024-11-22 22:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/22/2024
Ready for Review-Document Uploaded. Legible I797 - Seller-11/22/2024
Counter-Document not legible - need clear image - Due Diligence Vendor-11/18/2024
Ready for Review-Document Uploaded. The first paragraph states because he applied in time it is extended - Seller-11/15/2024
Open-I-551 Card is expired/ Bwr permanent resident alien card expired in XXXX, need renewed I-551 card - Due Diligence Vendor-11/13/2024

Ready for Review-Document Uploaded. Legible I797 - Seller-11/22/2024

Ready for Review-Document Uploaded. The first paragraph states because he applied in time it is extended - Seller-11/15/2024

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/22/2024

XXXX

Investment

Purchase

2800427

N/A

XXXX

xxxxxx7215

Closed

2024-12-23 04:27

2025-01-10 08:34

Waived

2 - Non-Material

Credit

Eligibility

Borrower 2 Credit Report is Expired

Waived-Exception approved to extend date of credit reports. Guides require 120 maximum seasoning of credit report, approved to allow credit reports for both borrowers to be 124 days old.
- Due Diligence Vendor-01/10/2025

Ready for Review-Document Uploaded. - Seller-01/09/2025

Open-Borrower 2 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-12/23/2024

Ready for Review-Document Uploaded. - Seller-01/09/2025

XXXX

Low LTV under 61% : LTV is 60.27%. Maximum allowed per guidelines is 90%.
Residual income at least $5,000 a month : Residual Income $5,137.68
Owns investment property free and clear

Primary Residence

Purchase

3063910

Originator Post-Close

Yes

XXXX

xxxxxx7215

Closed

2024-12-23 04:27

2025-01-10 08:33

Waived

2 - Non-Material

Credit

Eligibility

Borrower 1 Credit Report is Expired

Waived-Exception approved to extend date of credit reports. Guides require 120 maximum seasoning of credit report, approved to allow credit reports for both borrowers to be 124 days old. - Due Diligence Vendor-01/10/2025

Ready for Review-Document Uploaded. - Seller-01/09/2025

Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-12/23/2024

Ready for Review-Document Uploaded. - Seller-01/09/2025

XXXX

Low LTV under 61% : LTV is 60.27%. Maximum allowed per guidelines is 90%.
Residual income at least $5,000 a month : Residual Income $5,137.68
Owns investment property free and clear

Primary Residence

Purchase

3063909

Originator Post-Close

Yes

XXXX

xxxxxx7215

Closed

2024-12-23 07:18

2025-01-02 13:44

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/02/2025
Ready for Review-Document Uploaded. Hi, it's on pages 368 - 373 of our package. - Seller-12/30/2024
Open-TRID: Missing Final Closing Disclosure Provide the Final CD/PCCD with gift amounts of ($XXXX) reflect in adjustment section. - Due Diligence Vendor-12/23/2024

Ready for Review-Document Uploaded. Hi, it's on pages 368 - 373 of our package. - Seller-12/30/2024

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/02/2025

XXXX

Primary Residence

Purchase

3064295

N/A

XXXX

xxxxxx5822

Closed

2025-03-11 14:31

2025-03-18 23:43

Resolved

1 - Information

Credit

Doc Issue

HOA Fee Difference

Resolved-PCCD received showing the correct amount in the Estimated Taxes, Insurance, & Assessments section. - Due Diligence Vendor-03/18/2025
Ready for Review-Document Uploaded.  - Seller-03/18/2025
Counter-Letter of Explanation/Calculation of HOA received.  HOA amount changed to $XXXX per month.  Corrected 1008 & 1003 received.  However, the most recent CD is still incorrect.  File needs a corrected PCCD to reflect a monthly HOA of $XXXX (and non-escrowed amount over 1 year for HOA of $XXXX). - Due Diligence Vendor-03/14/2025
Ready for Review-Document Uploaded.  - Seller-03/14/2025
Open-HOA Fee difference exsits between validated HOA and documents · Discrepancy in the HOA amount.  Per the 1008, HOA is $XXXX monthly ($XXXX annual).  Per the Final CD on page 1 of 5, the Estimated Taxes, Insurance, & Assessments section, HOA is $XXXX ($XXXX - $XXXX).   Per the Final CD on page 4 of 5, the Non-Escrowed Property Costs over Year 1 section, HOA is $XXXX annual ($XXXX monthly).  Per the Appraisal, HOA is $XXXX annual ($XXXX monthly). Per the "XXXX" document, annual HOA for 2025 is $XXXX for LOT 1. However, the subject property legal description is called LOT 9.  Unable to validate any true/verified HOA amount and all other documents have discrepancies. - Due Diligence Vendor-03/11/2025

Ready for Review-Document Uploaded. - Seller-03/18/2025

Ready for Review-Document Uploaded. - Seller-03/14/2025

Resolved-PCCD received showing the correct amount in the Estimated Taxes, Insurance, & Assessments section. - Due Diligence Vendor-03/18/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3580498

N/A

XXXX

xxxxxx5822

Closed

2025-03-10 17:33

2025-03-14 18:19

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close dated XXXX Was Provided. - Due Diligence Vendor-03/14/2025
Ready for Review-Document Uploaded. - Seller-03/14/2025
Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Borrower 1 3rd Party VOE Prior to Close within 10-days of the Note date. - Due Diligence Vendor-03/10/2025

Ready for Review-Document Uploaded. - Seller-03/14/2025

Resolved-Borrower 1 3rd Party VOE Prior to Close dated XXXX Was Provided. - Due Diligence Vendor-03/14/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3571995

N/A

XXXX

xxxxxx5822

Closed

2025-03-10 16:53

2025-03-14 18:17

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Corrected 1008 received. - Due Diligence Vendor-03/14/2025

Ready for Review-Document Uploaded. - Seller-03/14/2025

Open-The 1008 document is missing from the loan file. Risk Assessment shows AUS but should be Manual Underwriting for NQM loans, provide updated 1008 document. - Due Diligence Vendor-03/10/2025

Ready for Review-Document Uploaded. - Seller-03/14/2025

Resolved-Corrected 1008 received. - Due Diligence Vendor-03/14/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3571242

N/A

XXXX

xxxxxx5822

Closed

2025-03-10 10:17

2025-03-14 18:13

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Corrected 1008 received. - Due Diligence Vendor-03/14/2025

Ready for Review-Document Uploaded. - Seller-03/14/2025

Open-Qualifying FICO on the 1008 Page is '776' or blank, but the Qualifying FICO from the Credit Liabilities Page is '778' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per G/L's For multiple borrowers: "Full Doc and Alt Doc Documentation: Use the Decision Score for the primary wage earner; all borrowers must have a minimum credit score of 600." Since borrower #1 is the only borrower with income, borrower #1's FICO score should be used (778). The 1008 shows borrower #2's FICO score (776). - Due Diligence Vendor-03/10/2025

Ready for Review-Document Uploaded. - Seller-03/14/2025

Resolved-Corrected 1008 received. - Due Diligence Vendor-03/14/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3566790

N/A

XXXX

xxxxxx5822

Closed

2025-03-11 14:24

2025-03-14 17:56

Resolved

1 - Information

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved-Taxes totaling $23.19 received ( / 12 = $1.93 monthly).  Calculation is the same.  Issue resolved. - Due Diligence Vendor-03/14/2025
Ready for Review-Document Uploaded.  - Seller-03/14/2025
Open-Per the 1003 and a Letter of Explanation, the borrower owns vacant land at XXXX with no mortgage, insurance, or HOA... just minimal taxes.  Per the 1003, the tax amount is $1.93 monthly (or about $23.16 annually).  Evidence of this tax amount is missing from the file. - Due Diligence Vendor-03/11/2025

Ready for Review-Document Uploaded. - Seller-03/14/2025

Resolved-Taxes totaling $23.19 received ( / 12 = $1.93 monthly). Calculation is the same. Issue resolved. - Due Diligence Vendor-03/14/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3580404

N/A

XXXX

xxxxxx5822

Closed

2025-03-10 19:18

2025-03-14 12:07

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Note from Lender provided as to why the dates are different. The document provided is already the final 1003. Issue resolved as-is. - Due Diligence Vendor-03/14/2025
Ready for Review-This was a hybrid closing so they signed the URLA before the note – that’s why the 1003 was dated differently. - Seller-03/13/2025
Open-The Final 1003 is Incomplete The latest 1003 provided in file was electronically signed on XXXX. However, the Note/Closing/Signing date was XXXX. The 1003 that was wet-signed by the borrowers on XXXX is missing from the file. - Due Diligence Vendor-03/10/2025

Ready for Review-This was a hybrid closing so they signed the URLA before the note – that’s why the 1003 was dated differently. - Seller-03/13/2025

Resolved-Note from Lender provided as to why the dates are different. The document provided is already the final 1003. Issue resolved as-is. - Due Diligence Vendor-03/14/2025

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3573707

N/A

XXXX

xxxxxx5822

Closed

2025-03-10 19:13

2025-03-11 18:12

Resolved

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-Loan Approval received.  Issue resolved. - Due Diligence Vendor-03/11/2025

Ready for Review-Document Uploaded.  - Seller-03/11/2025

Open-Provide Loan Approval document which is  missing from loan file. - Due Diligence Vendor-03/10/2025

Ready for Review-Document Uploaded. - Seller-03/11/2025

Resolved-Loan Approval received. Issue resolved. - Due Diligence Vendor-03/11/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3573549

N/A

XXXX

xxxxxx7850

Closed

2025-03-10 14:16

2025-03-14 12:57

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD uploaded. Resolved. - Due Diligence Vendor-03/14/2025

Ready for Review-Document Uploaded. - Seller-03/13/2025

Open-TRID: Missing Closing Disclosure Provide the Initial CD, as it is missing in file, hence we can't run the Compliance without initial cd. - Due Diligence Vendor-03/10/2025

Ready for Review-Document Uploaded. - Seller-03/13/2025

Resolved-Initial CD uploaded. Resolved. - Due Diligence Vendor-03/14/2025

XXXX

Primary Residence

Purchase

3568620

N/A

XXXX

xxxxxx7850

Closed

2025-03-14 12:55

2025-03-14 12:57

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-03/14/2025

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Flood Certification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-03/14/2025

Resolved-Resolved - Due Diligence Vendor-03/14/2025

Primary Residence

Purchase

3611787

N/A

XXXX

xxxxxx7850

Closed

2025-03-10 14:18

2025-03-14 07:35

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/14/2025
Ready for Review-Document Uploaded. XXXX was the correct matrix version. See updated approval form. - Seller-03/13/2025
Open-Provide updated Lender Approval form, as Matrix version date is missing in Lender Approval, in Bid tape also matrix version date is not provided, as of now considered latest matrix version guidelines XXXX. - Due Diligence Vendor-03/10/2025

Ready for Review-Document Uploaded. XXXX was the correct matrix version. See updated approval form. - Seller-03/13/2025

Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/14/2025

XXXX

Primary Residence

Purchase

3568687

N/A

XXXX

xxxxxx8533

Closed

2025-03-12 14:41

2025-03-19 12:04

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-As per the G/L for Service business with 0-1 Employees we can use minimum of 30% expense ratio, Verified - Resolved - Due Diligence Vendor-03/19/2025

Ready for Review-We are using less income that what we can. The expense factor per the cpa letter is lower than what we used to qualify..This should not be an issue. Please re-review.

- Seller-03/18/2025

Open-Expense ratio on lender income worksheet pg#329 and on loan program pg#346 is showing 30%, whereas CPA letter on pg#197 is showing expense ratio as 15% in 2024. - Due Diligence Vendor-03/12/2025

Ready for Review-We are using less income that what we can. The expense factor per the cpa letter is lower than what we used to qualify..This should not be an issue. Please re-review.

- Seller-03/18/2025

Resolved-As per the G/L for Service business with 0-1 Employees we can use minimum of 30% expense ratio, Verified - Resolved - Due Diligence Vendor-03/19/2025

Investment

Refinance

Cash Out - Other

3591038

N/A

XXXX

xxxxxx9587

Closed

2025-03-11 16:30

2025-03-21 18:58

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-received LOI and page 2 of DOT with correct riders checked off - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025

Open-The Deed of Trust is Missing Provide updated DOT with Prepayment Rider check mark on it.
- Due Diligence Vendor-03/11/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025

Resolved-received LOI and page 2 of DOT with correct riders checked off - Due Diligence Vendor-03/21/2025

XXXX

Investment

Purchase

3582298

N/A

XXXX

xxxxxx9587

Closed

2025-03-11 16:02

2025-03-18 08:39

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2025

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/18/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025

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 the Second Appraisal/ Valuation is Missing.
- Due Diligence Vendor-03/11/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025

XXXX

Investment

Purchase

3581958

N/A

XXXX

xxxxxx9712

Closed

2025-03-12 06:51

2025-03-21 19:02

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Correct tax cert showing $XXXX in annual taxes, which matches the initial 1008 & the HUD-1.  Issue resolved. - Due Diligence Vendor-03/21/2025
Ready for Review-Document Uploaded. Correct Tax Cert  - Seller-03/21/2025
Counter-If the property taxes are incorrect and are now $XXXX annual / $XXXX monthly, the HUD-1, the Initial Escrow Account Disclosure, the First Payment Letter to Borrower, and the Tax and Insurance Information Sheet are also incorrect and would need to be corrected to show the change.  However, if the Taxes were verified by Closing/Title as the initial $XXXX annual / $XXXX monthly, then evidence of that figure is still missing. - Due Diligence Vendor-03/18/2025
Ready for Review-Document Uploaded. Updated 1008 to show correct property taxes - Seller-03/18/2025
Open-Missing Evidence of Property Tax · Property Tax used for qualification is $XXXX annual, per the Closing Worksheet (or $XXXX monthly, per the Final HUD-1). File is missing evidence of this tax amount to verify. - Due Diligence Vendor-03/12/2025

Ready for Review-Document Uploaded. Correct Tax Cert - Seller-03/21/2025

Ready for Review-Document Uploaded. Updated 1008 to show correct property taxes - Seller-03/18/2025

Resolved-Correct tax cert showing $XXXX in annual taxes, which matches the initial 1008 & the HUD-1. Issue resolved. - Due Diligence Vendor-03/21/2025

XXXX

Investment

Refinance

Cash Out - Other

3588232

N/A

XXXX

xxxxxx9712

Closed

2025-03-17 11:54

2025-03-18 19:01

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Correction received. The Deed of Trust is Present and Complete. System updated. Resolved. - Due Diligence Vendor-03/18/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025

Open-The Deed of Trust is Incomplete · The file has a Prepayment Rider Fixed Percentage. However, the Deed of Trust (page #2 of 21, section F) does not have the checkmark that the Prepayment Rider is attached to the Deed of Trust document. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025

Resolved-Correction received. The Deed of Trust is Present and Complete. System updated. Resolved. - Due Diligence Vendor-03/18/2025

XXXX

Investment

Refinance

Cash Out - Other

3623515

N/A

XXXX

xxxxxx9712

Closed

2025-03-17 12:27

2025-03-17 17:30

Resolved

1 - Information

Credit

Doc Issue

Tax and Insurance Disclosure is Missing

Resolved-Tax an Insurance Information Sheet received. Resolved. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Tax & Ins Info Sheet - Seller-03/17/2025

Open-· The Tax and Insurance Information Sheet is missing from the file - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Tax & Ins Info Sheet - Seller-03/17/2025

Resolved-Tax an Insurance Information Sheet received. Resolved. - Due Diligence Vendor-03/17/2025

XXXX

Investment

Refinance

Cash Out - Other

3623755

N/A

XXXX

xxxxxx9712

Closed

2025-03-12 10:38

2025-03-17 17:29

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-IEADS received. System updated. Resolved. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. IEADS - Seller-03/17/2025

Open-· Initial Escrow Account Disclosure Statement is missing from the file. - Due Diligence Vendor-03/12/2025

Ready for Review-Document Uploaded. IEADS - Seller-03/17/2025

Resolved-IEADS received. System updated. Resolved. - Due Diligence Vendor-03/17/2025

XXXX

Investment

Refinance

Cash Out - Other

3588819

N/A

XXXX

xxxxxx9712

Closed

2025-03-12 07:38

2025-03-17 17:26

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-FHLMC UCDP/SSR received with a score of 1.0 & R&W eligible. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025

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-03/12/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025

Resolved-FHLMC UCDP/SSR received with a score of 1.0 & R&W eligible. - Due Diligence Vendor-03/17/2025

XXXX

Investment

Refinance

Cash Out - Other

3588355

N/A

XXXX

xxxxxx9712

Closed

2025-03-12 06:30

2025-03-17 17:25

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 electronically signed by the borrower at closing on 3/06/2025 was received. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Final 1003 - Seller-03/17/2025

Open-The Final 1003 is Incomplete · The 1003 that was provided is unsigned/undated. Please provide the Final 1003 that was borrower-executed at Closing. - Due Diligence Vendor-03/12/2025

Ready for Review-Document Uploaded. Final 1003 - Seller-03/17/2025

Resolved-The Final 1003 electronically signed by the borrower at closing on XXXX was received. - Due Diligence Vendor-03/17/2025

XXXX

Investment

Refinance

Cash Out - Other

3588158

N/A

XXXX

xxxxxx9782

Closed

2025-03-13 04:15

2025-03-21 18:56

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-received LOI and page 2 of DOT with correct riders checked - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025

Open-The Deed of Trust is Incomplete File has prepayment rider but DOT riders section not checked the prepayment rider. - Due Diligence Vendor-03/13/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025

Resolved-received LOI and page 2 of DOT with correct riders checked - Due Diligence Vendor-03/21/2025

XXXX

Investment

Refinance

Cash Out - Home Improvement/Reno

3598785

N/A

XXXX

xxxxxx9782

Closed

2025-03-13 04:22

2025-03-21 12:48

Resolved

1 - Information

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-03/21/2025
Ready for Review-Document Uploaded. Final Title Policy - Seller-03/20/2025
Counter-Covered amount not in affidavit - Due Diligence Vendor-03/20/2025
Ready for Review-Document Uploaded. Final Title Policy - Seller-03/18/2025
Open-Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX - Due Diligence Vendor-03/13/2025

Ready for Review-Document Uploaded. Final Title Policy - Seller-03/20/2025

Ready for Review-Document Uploaded. Final Title Policy - Seller-03/18/2025

Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/21/2025

XXXX

Investment

Refinance

Cash Out - Home Improvement/Reno

3598791

N/A

XXXX

xxxxxx9782

Closed

2025-03-13 04:49

2025-03-20 09:10

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy document provided. - Due Diligence Vendor-03/20/2025

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Hazard Insurance - Seller-03/19/2025

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/13/2025

Ready for Review-Document Uploaded. Hazard Insurance - Seller-03/19/2025

Resolved-Hazard Insurance Policy document provided. - Due Diligence Vendor-03/20/2025

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/20/2025

XXXX

Investment

Refinance

Cash Out - Home Improvement/Reno

3598830

N/A

XXXX

xxxxxx9782

Closed

2025-03-13 04:57

2025-03-20 08:18

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared.
- Due Diligence Vendor-03/20/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025

Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Findings - Due Diligence Vendor-03/13/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025

XXXX

Investment

Refinance

Cash Out - Home Improvement/Reno

3598841

N/A

XXXX

xxxxxx0897

Closed

2025-03-13 10:12

2025-03-18 21:50

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/18/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025
Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX XXXX Alerts Summary document shows a total of 5 High alerts, only 3 of which were cleared; and 5 Medium alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/13/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/18/2025

XXXX

Primary Residence

Purchase

3599622

N/A

XXXX

xxxxxx1498

Closed

2025-03-14 08:38

2025-03-20 16:41

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025
Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX Alerts Summary document shows a total of 7 Medium alerts, only 6 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/14/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025

XXXX

Primary Residence

Purchase

3610360

N/A

XXXX

xxxxxx1498

Closed

2025-03-14 12:51

2025-03-20 19:05

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - Due Diligence Vendor-03/20/2025

Resolved-The loan's (9.807%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 3 and the Final Closing disclosure on page # 19-186 reflects escrows. Rate lock date was entered correctly – see page # 296. An interior and exterior appraisal was completed for this property – see page # 53-90 and the appraisal disclosure was provided to the borrower(s)- see page # 91,92 and confirmation the appraisal was delivered to the borrower – see page # 91, 92. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025

Primary Residence

Purchase

3611747

N/A

XXXX

xxxxxx0284

Closed

2025-03-14 05:42

2025-03-20 08:25

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared.
- Due Diligence Vendor-03/20/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025

Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared alerts. - Due Diligence Vendor-03/14/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025

XXXX

Investment

Refinance

Cash Out - Other

3609772

N/A

XXXX

xxxxxx8898

Closed

2025-03-17 08:46

2025-03-21 15:12

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/21/2025
Ready for Review-Document Uploaded. Evidence of receipt of the gift - Seller-03/20/2025
Counter-proof of Gift funds not received, letter from title agent holding funds or bank statement showing funds from person sending gift - Due Diligence Vendor-03/20/2025
Ready for Review-Document Uploaded. Updated 1003 for assets - Seller-03/19/2025
Open-Asset Record 2 Does Not Meet G/L Requirements Provide proof of documentation for gift funds in the amount of $XXXX per gift letter on page #297 and final CD on page #153 as it is not on file. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Evidence of receipt of the gift - Seller-03/20/2025

Ready for Review-Document Uploaded. Updated 1003 for assets - Seller-03/19/2025

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/21/2025

XXXX

Primary Residence

Purchase

3622778

N/A

XXXX

xxxxxx8898

Closed

2025-03-17 09:18

2025-03-21 12:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Photo Identification Type Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. UW Response: please have this escalated. We have a photo ID. They shouldn’t need any more than that. - Seller-03/20/2025

Counter-ID uploaded was in file - borrowers US issued Drivers lic or equivalent missing - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. B2 photo ID - Seller-03/19/2025

Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. UW Response: please have this escalated. We have a photo ID. They shouldn’t need any more than that. - Seller-03/20/2025

Ready for Review-Document Uploaded. B2 photo ID - Seller-03/19/2025

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/21/2025

XXXX

Primary Residence

Purchase

3622855

N/A

XXXX

xxxxxx8079

Closed

2025-03-25 15:13

2025-03-26 18:50

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/26/2025
Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX Alerts Summary document shows a total of 5 High alerts, only 4 of which were cleared; and 2 Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/26/2025

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/26/2025

XXXX

Investment

Purchase

3689103

N/A

XXXX

xxxxxx8079

Closed

2025-03-25 15:04

2025-03-25 18:51

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Document identified as the Final ALTA Settlement Statement received. System updated with the correct info. Issue resolved. - Due Diligence Vendor-03/25/2025

Open-Final HUD-1 Document is Preliminary/Estimated Only. Document Uploaded. · File is missing the HUD-1 or Settlement Statement that is marked/stamped as the Final. - Seller-03/25/2025

Resolved-Document identified as the Final ALTA Settlement Statement received. System updated with the correct info. Issue resolved. - Due Diligence Vendor-03/25/2025

XXXX

Investment

Purchase

3689001

N/A

XXXX

xxxxxx1475

Closed

2025-03-17 17:09

2025-03-28 13:42

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved- - Due Diligence Vendor-03/28/2025

Ready for Review-Document Uploaded. Certified copy of Final HUD1 from title - Seller-03/20/2025

Open-Final HUD-1 Document is Missing. Final HUD-1 Document is Missing, Provide the updated Final HUD-1 Document with Settlement Agent Signature. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Certified copy of Final HUD1 from title - Seller-03/20/2025

XXXX

Investment

Purchase

3627344

N/A

XXXX

xxxxxx1475

Closed

2025-03-17 15:42

2025-03-24 18:51

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/24/2025

Resolved-Alerts cleared. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025

Counter-Fraud Report Shows Uncleared Alerts Provide the updated fraud report. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record with corrected page 2 of DOT box checked for Prepay Rider - Seller-03/20/2025

Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record with corrected page 2 of DOT box checked for Prepay Rider - Seller-03/20/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/24/2025

Resolved-Alerts cleared. - Due Diligence Vendor-03/24/2025

XXXX

Investment

Purchase

3626295

N/A

XXXX

xxxxxx1475

Closed

2025-03-17 15:54

2025-03-24 12:10

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Prepay part of DoT provided. Notary date is present on original signatures. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. CE & Licensing Review - Seller-03/20/2025

Open-The Deed of Trust is Missing Provide updated DOT with Prepayment Rider check mark on it & Notary date Year missing.
- Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. CE & Licensing Review - Seller-03/20/2025

Resolved-Prepay part of DoT provided. Notary date is present on original signatures. - Due Diligence Vendor-03/24/2025

XXXX

Investment

Purchase

3626418

N/A

XXXX

xxxxxx1475

Closed

2025-03-17 15:26

2025-03-21 05:56

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-XXXX SSR with score provided. - Due Diligence Vendor-03/21/2025

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025

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 the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025

Resolved-XXXX SSR with score provided. - Due Diligence Vendor-03/21/2025

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/21/2025

XXXX

Investment

Purchase

3626078

N/A

XXXX

xxxxxx1475

Closed

2025-03-17 17:42

2025-03-21 05:53

Resolved

1 - Information

Credit

Doc Issue

Prepayment Rider Missing

Resolved-Prepayment Rider provided.
- Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Prepay Rider - Seller-03/20/2025

Open-Prepayment Rider Missing. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Prepay Rider - Seller-03/20/2025

Resolved-Prepayment Rider provided.
- Due Diligence Vendor-03/21/2025

XXXX

Investment

Purchase

3627924

N/A

XXXX

xxxxxx1434

Closed

2025-03-20 15:16

2025-03-24 18:51

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-An updated 1003 was received to add an additional bank statement that was already provided in the file. Added that account to the system as a lender-used asset. Reserves now meet guidelines. Resolved. - Due Diligence Vendor-03/24/2025
Resolved-Audited Reserves of 6.62 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded. Updated 1003 showing correct assets - Seller-03/24/2025
Open-· Loan is short Reserves. Total Verified Assets are $XXXX. Minus the $XXXX Funds to Close showed as paid on the PCCD and the Final Settlement Statement leaves $XXXX plus $XXXX refund due back to the borrower = $XXXX in funds available post-close. Reserves needed are 6 months of PITIA or $XXXX x 6 months = $XXXX. Loan is short reserves by $XXXX. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Updated 1003 showing correct assets - Seller-03/24/2025

XXXX

Primary Residence

Purchase

3657812

N/A

XXXX

xxxxxx1434

Closed

2025-03-17 09:47

2025-03-24 17:51

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded. Updated Fraud - Seller-03/24/2025
Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX Alerts Summary document shows a total of 7 High alerts, only 5 of which were cleared. Provide documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Updated Fraud - Seller-03/24/2025

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/24/2025

XXXX

Primary Residence

Purchase

3622950

N/A

XXXX

xxxxxx9838

Closed

2025-03-19 21:44

2025-03-26 12:49

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Fraud Report - Seller-03/25/2025

Counter-CoreLogic Loan Safe Connect shows 1 low alert, per GLs all Alerts to be cleared.
Sam.gov does not clear - Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. Sam.gov for fraud report - Seller-03/24/2025

Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Fraud Report - Seller-03/25/2025

Ready for Review-Document Uploaded. Sam.gov for fraud report - Seller-03/24/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/26/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3652130

N/A

XXXX

xxxxxx9838

Closed

2025-03-17 04:49

2025-03-25 12:18

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-received Asset utilization worksheet - Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. Income Worksheet - Seller-03/24/2025

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet - Due Diligence Vendor-03/17/2025

Ready for Review-Document Uploaded. Income Worksheet - Seller-03/24/2025

Resolved-received Asset utilization worksheet - Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3622122

N/A

XXXX

xxxxxx7346

Closed

2025-03-19 18:02

2025-03-21 13:47

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025

Open-Fraud Report Shows Uncleared Alerts Fraud report has 3 High alerts present - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3649663

N/A

XXXX

xxxxxx7346

Closed

2025-03-19 09:31

2025-03-21 09:17

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet for B2 uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/21/2025

Resolved-Validation Resolved' - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Income Worksheet B2 - Seller-03/20/2025

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender income calculation worksheet for bwr#2 as it is missing from file. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Income Worksheet B2 - Seller-03/20/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3643872

N/A

XXXX

xxxxxx0333

Closed

2025-03-19 12:29

2025-03-28 11:56

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-VOR provided. Resolved - Due Diligence Vendor-03/28/2025

Ready for Review-Document Uploaded. VOR - Seller-03/27/2025

Open-VOR/VOM Doc Status should not be 'Missing'. Borrowers are renting at primary residence, provide VOR document as it is missing from file. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. VOR - Seller-03/27/2025

Resolved-VOR provided. Resolved - Due Diligence Vendor-03/28/2025

XXXX

Primary Residence

Purchase

3644833

N/A

XXXX

xxxxxx0333

Closed

2025-03-19 12:29

2025-03-28 11:56

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Validation Resolved - Due Diligence Vendor-03/28/2025

Resolved-Updated 1008 with corrected FICO uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/24/2025

Open-Qualifying FICO on the 1008 Page is '764' or blank, but the Qualifying FICO from the Credit Liabilities Page is '774' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on 1003 document is 764 whereas qualifying FICO on credit liabilities is 774. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/24/2025

XXXX

Primary Residence

Purchase

3644836

N/A

XXXX

xxxxxx0333

Closed

2025-03-19 11:19

2025-03-25 10:50

Resolved

1 - Information

Credit

Missing AUS/Loan Approval

Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. Approval - Seller-03/24/2025

Open-Provide loan approval document as it is missing from file. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Approval - Seller-03/24/2025

Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Purchase

3644304

N/A

XXXX

xxxxxx0333

Closed

2025-03-19 12:59

2025-03-25 10:49

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Ready for Review-Document Uploaded. Fraud Report - Seller-03/24/2025

XXXX

Primary Residence

Purchase

3645117

N/A

XXXX

xxxxxx0333

Closed

2025-03-19 13:44

2025-03-24 11:52

Resolved

1 - Information

Compliance

Mavent

License: Loan Originator

Resolved-Broker’s MLO was actively licensed in the property state and authorized to represent XXXX. and broker company was actively licensed in the property state during this period. - Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded. Licensing Review & Compliance Ease - Seller-03/20/2025
Open-A relationship between XXXX (NMLS ID: XXXX) and the company (Company NMLS ID: XXXX) does not exist in the NMLS Consumer Access as of XXXX. Updated individual loan originator NMLS as XXXX; Loan Originator Organization NMLS as XXXX per Note and 1003. Also verified in NMLS consumer access portal. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Licensing Review & Compliance Ease - Seller-03/20/2025

XXXX

Primary Residence

Purchase

3645576

N/A

XXXX

xxxxxx6695

Closed

2025-03-17 12:46

2025-03-25 09:55

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Ready for Review-Document Uploaded. Cleared alerts - Seller-03/24/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3623894

N/A

XXXX

xxxxxx6695

Closed

2025-03-17 12:36

2025-03-21 09:11

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved
- Due Diligence Vendor-03/21/2025

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025

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-03/17/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3623813

N/A

XXXX

xxxxxx9583

Closed

2025-03-19 07:57

2025-03-21 13:50

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/21/2025
Ready for Review-Document Uploaded. Updated 1008 - Seller-03/20/2025
Open-The 1008 document is missing from the loan file. Provide the updated 1008 with HOA amount of $XXXX and subject property is PUD. HOA per Appraisal Report is $XXXX and 1008 document showing as $XXXX.
- Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Updated 1008 - Seller-03/20/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/21/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3643613

N/A

XXXX

xxxxxx9583

Closed

2025-03-19 06:26

2025-03-21 09:50

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/21/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025

Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3643136

N/A

XXXX

xxxxxx9583

Closed

2025-03-19 06:01

2025-03-20 09:54

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/20/2025
Ready for Review-Document Uploaded. XXXX SSR - Seller-03/19/2025
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 the Second Appraisal/ Valuation is Missing.
- Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/19/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3643004

N/A

XXXX

xxxxxx1462

Closed

2025-03-20 18:44

2025-03-24 17:49

Resolved

1 - Information

Credit

Doc Issue

HOA Fee Difference

Resolved-Corrected 1003/1008 received. Issue resolved. - Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded. Corrected 1008 & URLA to match the HOA fee (nothing showing $XXXX) - Seller-03/24/2025
Open-HOA Fee difference exsits between validated HOA and documents HOA discrepancy. The 1008/1003/CD discloses $XXXX per month. However, the Appraisal states $XXXX annually ($XXXX monthly). File is missing evidence of the fee as $XXXX. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Corrected 1008 & URLA to match the HOA fee (nothing showing $190) - Seller-03/24/2025

Resolved-Corrected 1003/1008 received. Issue resolved. - Due Diligence Vendor-03/24/2025

XXXX

Investment

Refinance

Cash Out - Other

3661142

N/A

XXXX

xxxxxx1462

Closed

2025-03-20 18:43

2025-03-24 17:44

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Checklist of Coverage received showing $XXXX - Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded. RCE from Florida that matches our Current Insurance - Seller-03/24/2025
Open-The hazard insurance coverage should be equal to the lesser of:
· Replacement Cost Estimator from the property insurer or a 3rd party source ($XXXX).
· Estimated cost to replace the dwelling from a recent appraisal, if provided ($XXXX).
· The unpaid principal balance of the mortgage ($XXXX).

· The Current Dwelling Coverage A amount is $XXXX, which is not sufficient cover any of the 3 amounts above. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. RCE from Florida that matches our Current Insurance - Seller-03/24/2025

Resolved-Checklist of Coverage received showing $664,400. - Due Diligence Vendor-03/24/2025

XXXX

Investment

Refinance

Cash Out - Other

3661137

N/A

XXXX

xxxxxx1846

Closed

2025-03-19 09:53

2025-03-25 13:22

Resolved

1 - Information

Compliance

TRID

Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop

Resolved-Resolved. - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. PCCD - Seller-03/20/2025
Open-Final CD page 227 Title Feeses, Attorney Fee, Settlement/Closing Fee, Title Search Fee, Title Endorsement Fee, Lender's Title Insurance, Provider for this Feeses is Elite Title that’s not on providers list Service provider page 489 Provider is different XXXX and XXXX. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. PCCD - Seller-03/20/2025

Resolved-Resolved. - Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Purchase

3643942

N/A

XXXX

xxxxxx1846

Closed

2025-03-19 08:35

2025-03-25 13:11

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-EMD removed from loan. Final HUD provided. - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. EMD was backed out of this loan. Please see attached Final HUD1 - Seller-03/24/2025
Open-Provide addendum for EMD, as per Agreement page 274 Initial Deposit is $10,000 whereas as per Final CD page 227 and PCCD page 480 not reflecting EMD.
- Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. EMD was backed out of this loan. Please see attached Final HUD1 - Seller-03/24/2025

Resolved-EMD removed from loan. Final HUD provided. - Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Purchase

3643767

N/A

XXXX

xxxxxx1846

Closed

2025-03-19 12:14

2025-03-24 12:55

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Gift funds now listed. - Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded. PCCD - Seller-03/20/2025
Open-TRID: Missing Closing Disclosure As per 1003 page 594, Gift letter page 379 and Proof of Gift page 196 the Gift Funds for $XXXX are not listed on the Final Closing Disclosure. Requesting updated Final CD or PCCD with gift amount. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. PCCD - Seller-03/20/2025

Resolved-Gift funds now listed. - Due Diligence Vendor-03/24/2025

XXXX

Primary Residence

Purchase

3644721

N/A

XXXX

xxxxxx1846

Closed

2025-03-19 08:02

2025-03-21 05:58

Resolved

1 - Information

Property

Value

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-XXXX SSR with score provided.
- Due Diligence Vendor-03/21/2025
Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025
Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025

Resolved-XXXX SSR with score provided.
- Due Diligence Vendor-03/21/2025

XXXX

Primary Residence

Purchase

3643656

N/A

XXXX

xxxxxx9629

Closed

2025-03-19 11:40

2025-03-21 18:52

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-received LOI and corrected page 2 with correct riders - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of the DOT with box checked for Prepay Rider - Seller-03/20/2025

Open-The Deed of Trust is Missing Provide updated DOT with Prepayment Rider check mark on it.
- Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of the DOT with box checked for Prepay Rider - Seller-03/20/2025

Resolved-received LOI and corrected page 2 with correct riders - Due Diligence Vendor-03/21/2025

XXXX

Investment

Refinance

Cash Out - Other

3644428

N/A

XXXX

xxxxxx9629

Closed

2025-03-19 21:05

2025-03-21 12:46

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025

XXXX

Investment

Refinance

Cash Out - Other

3651844

N/A

XXXX

xxxxxx7563

Closed

2025-03-18 09:10

2025-04-02 09:52

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Requested 12+ Months Housing History Provided hence resolved. - Due Diligence Vendor-04/02/2025

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/02/2025

Ready for Review-Document Uploaded. - Seller-04/01/2025

Open-Housing History Does Not Meet Guideline Requirements Housing history is 0 month, provide 12 months housing history. - Due Diligence Vendor-03/18/2025

Ready for Review-Document Uploaded. - Seller-04/01/2025

Resolved-Requested 12+ Months Housing History Provided hence resolved. - Due Diligence Vendor-04/02/2025

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/02/2025

XXXX

Investment

Refinance

Cash Out - Other

3633193

N/A

XXXX

xxxxxx9930

Closed

2025-03-19 09:28

2025-03-24 13:45

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. COC's - Seller-03/21/2025

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($2,363.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide COC for decrease in Lender Credits from Initial LE $2,363 to revised LE $893 & Final CD $0. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. COC's - Seller-03/21/2025

Resolved-Resolved - Due Diligence Vendor-03/24/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3643862

N/A

XXXX

xxxxxx0331

Closed

2025-03-19 07:02

2025-03-25 16:37

Resolved

1 - Information

Property

Missing Doc

Appraisal 2 missing

Resolved-Both appraisals received, one of which was the missing one. System updated. Resolved. - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. Two Appraisals - Seller-03/25/2025
Open-· Since the loan amount is over $XXXX, two appraisals are needed. Appraisal #2 is missing from the Loan File. Per the FNMA UCDP/SSR report, the second appraisal (the one missing) was conducted by Appraiser XXXX on XXXX with a value of $XXXX. Please provide this appraisal. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Two Appraisals - Seller-03/25/2025

Resolved-Both appraisals received, one of which was the missing one. System updated. Resolved. - Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Purchase

3643212

N/A

XXXX

xxxxxx0331

Closed

2025-03-19 08:17

2025-03-25 12:59

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is greater than Guideline Maximum Loan Amount

Waived-Exception in these findings:
"Asset Depletion Guidelines max loan amount is $XXXX, lock desk will not allow DTI over 45% altough guidelines allow 50% DTI." - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. Exception Approval - Asset Depletion - Seller-03/24/2025
Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX · Per the XXXX Matrix, the maximum loan amount for an Asset Utilization file (XXXX) is $XXXX. The current loan amount is above that at $XXXX. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Exception Approval - Asset Depletion - Seller-03/24/2025

Waived-Exception in these findings:
"Asset Depletion Guidelines max loan amount is $XXXX, lock desk will not allow DTI over 45% altough guidelines allow 50% DTI." - Due Diligence Vendor-03/25/2025

XXXX

(1) Number of months reserves = 336. Program requirements = 6.
(2) $29,859.40 in residual income.
(3) Reserves of $5,082,347.
(4) FICO score of 797 vs Program minimum of 740.

Primary Residence

Purchase

3643728

Originator Pre-Close

Yes

XXXX

xxxxxx0331

Closed

2025-03-19 07:28

2025-03-25 10:40

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025

Open-Fraud Report Shows Uncleared Alerts · The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 4 High alerts, only 1 of which were cleared; and 4 Low alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025

XXXX

Primary Residence

Purchase

3643383

N/A

XXXX

xxxxxx7757

Closed

2025-03-21 15:22

2025-03-25 12:17

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025
Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX Alerts Summary document shows a total of 10 Medium alerts, only 9 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/25/2025

XXXX

Investment

Refinance

Cash Out - Other

3668479

N/A

XXXX

xxxxxx7757

Closed

2025-03-19 10:53

2025-03-24 17:42

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final Title Policy received. The Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien. Resolved. - Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded. Final Title Policy - Seller-03/24/2025
Open-Title Coverage Amount of $XXXX is Less than Loan Amount · Provide updated title with the correct coverage amount of $XXXX as the one provided reflects $XXXX, which is insufficient to cover the $XXXX loan amount. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Final Title Policy - Seller-03/24/2025

Resolved-Final Title Policy received. The Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien. Resolved. - Due Diligence Vendor-03/24/2025

XXXX

Investment

Refinance

Cash Out - Other

3644171

N/A

XXXX

xxxxxx7757

Closed

2025-03-19 10:49

2025-03-22 14:01

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Letter of Intent to Re-record was received. The DOT page is corrected, and all pages of the DOT as well as the Prepay Rider already provided. Issue resolved. - Due Diligence Vendor-03/22/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-Record with corrected pg2 of DOT box checked for Prepay Rider - Seller-03/21/2025

Open-The Deed of Trust is Incomplete · The Mortgage document provided (page #2 of 16; section E "Riders") does have have the Prepayment Rider Fixed Percentage checked as being attached. Please provide a copy of the final recorded mortgage to show if that Rider was attached when recorded. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-Record with corrected pg2 of DOT box checked for Prepay Rider - Seller-03/21/2025

XXXX

Investment

Refinance

Cash Out - Other

3644158

N/A

XXXX

xxxxxx7757

Closed

2025-03-21 15:13

2025-03-22 14:00

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-HUD-1 Document identified as the Final one provided. System updated. Resolved. - Due Diligence Vendor-03/22/2025

Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-03/21/2025

Open-Final HUD-1 Document is Preliminary/Estimated Only. · File is missing the HUD-1 or Settlement Statement that is marked or stamped as Final. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-03/21/2025

Resolved-HUD-1 Document identified as the Final one provided. System updated. Resolved. - Due Diligence Vendor-03/22/2025

XXXX

Investment

Refinance

Cash Out - Other

3668147

N/A

XXXX

xxxxxx1003

Closed

2025-03-20 07:01

2025-03-25 11:14

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Updated Hazard Insurance Policy uploaded, Hazard Insurance Effective Date of XXXX is equal to the Note Date of XXXX , Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025
Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. Property Insurance Policy - Seller-03/24/2025
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Property Insurance Policy - Seller-03/24/2025

XXXX

Primary Residence

Purchase

3654102

N/A

XXXX

xxxxxx1003

Closed

2025-03-20 07:10

2025-03-25 11:13

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025

XXXX

Primary Residence

Purchase

3654127

N/A

XXXX

xxxxxx8948

Closed

2025-03-20 04:55

2025-03-26 09:50

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Updated Fraud Report report. Resolved - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Resolved-Updated Fraud Report report. Resolved - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3653791

N/A

XXXX

xxxxxx8948

Closed

2025-03-20 04:34

2025-03-24 09:35

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved
- Due Diligence Vendor-03/24/2025

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/21/2025

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-03/20/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/21/2025

XXXX

Investment

Refinance

Cash Out - Other

3653728

N/A

XXXX

xxxxxx8106

Closed

2025-03-24 13:24

2025-03-26 12:18

Resolved

1 - Information

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-03/26/2025

Ready for Review-Document Uploaded. Re-saved PDF of fully executed Final HUD  - Seller-03/25/2025

Counter-File damaged will not let me open  - Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-03/24/2025

Open-Final HUD-1 Document is Missing. Need the executed certified final Hud with payoff for lien that shows on the property.   - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Re-saved PDF of fully executed Final HUD - Seller-03/25/2025

Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-03/24/2025

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3678201

N/A

XXXX

xxxxxx8106

Closed

2025-03-20 12:08

2025-03-26 12:15

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Signed 1003 - Seller-03/25/2025

Open-The Final 1003 is Incomplete, The 1003 that was provided is unsigned/undated. Please provide the Final 1003 that was borrower-executed at Closing.
- Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Signed 1003 - Seller-03/25/2025

Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3655454

N/A

XXXX

xxxxxx8106

Closed

2025-03-20 06:20

2025-03-26 09:40

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Fraud Report Alerts have been cleared per updated report. Resolved
- Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Resolved-Fraud Report Alerts have been cleared per updated report. Resolved
- Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3653982

N/A

XXXX

xxxxxx8106

Closed

2025-03-20 04:58

2025-03-26 09:37

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-1008 document provided. Resolved - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025

Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025

Resolved-1008 document provided. Resolved - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3653797

N/A

XXXX

xxxxxx0826

Closed

2025-03-20 07:44

2025-03-26 13:52

Waived

2 - Non-Material

Compliance

HigherPriced:APR

North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming)

Waived- - Due Diligence Vendor-03/26/2025

Waived-The loan's (8.683%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.73%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/20/2025

Waived-The loan's (8.683%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.73%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/20/2025

Per External Counsel Appropriate to Waive as a B Grade

Primary Residence

Purchase

3654236

Originator Post-Close

XXXX

xxxxxx0826

Closed

2025-03-20 06:47

2025-03-26 07:25

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-03/26/2025

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025

Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit report. Gap Credit Report missing in file. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025

Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-03/26/2025

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/26/2025

XXXX

Primary Residence

Purchase

3654057

N/A

XXXX

xxxxxx0826

Closed

2025-03-20 07:44

2025-03-26 13:52

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved- - Due Diligence Vendor-03/26/2025

Resolved-The loan's (8.683%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 511 and the Final Closing disclosure on Pg 352, Finding reflects escrows. Rate lock date was entered correctly – see Pg 344, 529. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg 470, and confirmation the appraisal was delivered to the borrower – see Pg 28, 415-416. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-03/20/2025

Primary Residence

Purchase

3654235

N/A

XXXX

xxxxxx6708

Closed

2025-03-20 13:09

2025-03-26 08:33

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Fraud Report Alerts have been cleared per updated report. Resolved - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Open-Fraud Report Shows Uncleared Alerts Fraud reprot shows uncleared alerts. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Resolved-Fraud Report Alerts have been cleared per updated report. Resolved - Due Diligence Vendor-03/26/2025

XXXX

Second Home

Purchase

3656022

N/A

XXXX

xxxxxx0325

Closed

2025-03-20 06:43

2025-03-25 12:51

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Electronically signed final 1003 provided. - Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. 1003 is electronically signed as this is allowed. Wet signed docs are items like note and deed along with notarized docs - Seller-03/24/2025

Counter-Final provided is an electrically signed doc. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Final 1003s - Seller-03/21/2025

Open-The Final 1003 is Missing Provide Final 1003 for B1 and B2 as its missing in file. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. 1003 is electronically signed as this is allowed. Wet signed docs are items like note and deed along with notarized docs - Seller-03/24/2025

Ready for Review-Document Uploaded. Final 1003s - Seller-03/21/2025

Resolved-Electronically signed final 1003 provided. - Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3654042

N/A

XXXX

xxxxxx0325

Closed

2025-03-20 07:11

2025-03-25 10:35

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Updated Lender Income Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. Income Worksheets - Seller-03/24/2025

Open-Provide legible income sheet, the one in file has formatting issues and cannot be read. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Income Worksheets - Seller-03/24/2025

Resolved-Updated Lender Income Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3654129

N/A

XXXX

xxxxxx0981

Closed

2025-03-20 11:51

2025-03-27 12:03

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income calculation provided, updated 1003/1008 info, DTI in line with updated 1008. - Due Diligence Vendor-03/27/2025
Ready for Review-Document Uploaded. Income worksheet with updated 1003/1008 - Seller-03/26/2025
Counter-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Updated Lender Income Worksheet. worksheet Income$XXXX not matching with 1003/1008 $XXXX - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. COC’s for the following dates: XXXX - Seller-03/24/2025
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Updated Lender Income Worksheet. Lender worksheet Income$XXXX not matching with 1003/1008 $XXXX Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Income worksheet with updated 1003/1008 - Seller-03/26/2025
Ready for Review-Document Uploaded. COC’s for the following dates: XXXX - Seller-03/24/2025

Resolved-Income calculation provided, updated 1003/1008 info, DTI in line with updated 1008. - Due Diligence Vendor-03/27/2025

XXXX

Primary Residence

Purchase

3655318

N/A

XXXX

xxxxxx0981

Closed

2025-03-20 10:49

2025-03-27 09:27

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Photo Identification Type Missing

Resolved-Updated Borrower 2 Photo Identification document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. B2 ID - Seller-03/26/2025

Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide renewal Borrower 2 Driver License. Borrower 2 Driver License Expired. DL available on page 484. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. B2 ID - Seller-03/26/2025

XXXX

Primary Residence

Purchase

3654922

N/A

XXXX

xxxxxx0981

Closed

2025-03-21 02:08

2025-03-25 13:00

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-CoCs provided in other finding. Resolved, compliance updated and re-ran. Resolved. - Due Diligence Vendor-03/25/2025

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($13,497.60). The Last CD shows a total lender credit amount of ($13,125.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide COC for Lender Credits decreased from revised LE $2,219 to Initial CD $319.20 & revised CD $13,497.60 to Final CD $13,125 - Due Diligence Vendor-03/21/2025

Resolved-CoCs provided in other finding. Resolved, compliance updated and re-ran. Resolved. - Due Diligence Vendor-03/25/2025

Primary Residence

Purchase

3664368

N/A

XXXX

xxxxxx7823

Closed

2025-03-20 09:20

2025-04-04 15:56

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-PUD rider uploaded. Resolved. - Due Diligence Vendor-04/04/2025
Ready for Review-Document Uploaded. - Seller-04/03/2025
Open-PUD Rider is Missing Request to provide PUD rider as it is missing in file. As per appraisal on page #25 reflecting PUD HOA amount of $XXXX annually, as per 1008 on page #506 also reflect HOA amount of $XXXX but Deed of trust on page #383 PUD rider is not checked and PUD rider is missing in file and 1008 shows property type is 1 unit. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Resolved-PUD rider uploaded. Resolved. - Due Diligence Vendor-04/04/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3654550

N/A

XXXX

xxxxxx7823

Closed

2025-03-20 09:19

2025-04-04 15:56

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/04/2025
Ready for Review-Document Uploaded. - Seller-04/03/2025
Open-The Deed of Trust is Missing Request to provide updated Deed of Trust to reflect the PUD rider check box.. As per appraisal on page #26 reflecting PUD HOA amount of $XXXX annually, as per 1008 on page #506 also reflect HOA amount of $XXXX monthly but Deed of trust on page #383 PUD rider is not checked and PUD rider is missing in file. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/04/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3654549

N/A

XXXX

xxxxxx7823

Closed

2025-03-27 13:19

2025-03-31 14:34

Resolved

1 - Information

Compliance

Rescission:Variance

Federal - Right of Rescission Variance Failure (TILA)

Resolved-Resolved - Due Diligence Vendor-03/31/2025
Ready for Review-Document Uploaded. ROR signed XXXX with an expiration date of XXXX. Loan didn’t disburse until XXXX per the consummation CD in file. - Seller-03/27/2025
Open-The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. ROR signed XXXX with an expiration date of XXXX. Loan didn’t disburse until XXXX per the consummation CD in file. - Seller-03/27/2025

Resolved-Resolved - Due Diligence Vendor-03/31/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3707602

N/A

XXXX

xxxxxx7823

Closed

2025-03-20 12:32

2025-03-27 13:20

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-CD uploaded. Resolved. - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. - Seller-03/26/2025

Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure in file.
- Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. - Seller-03/26/2025

Resolved-CD uploaded. Resolved. - Due Diligence Vendor-03/27/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3655654

N/A

XXXX

xxxxxx7823

Closed

2025-03-20 14:54

2025-03-27 08:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Citizenship Identification Documentation Missing

Resolved-Updated Borrower 2 Citizenship Identification document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/27/2025

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. - Seller-03/26/2025

Open-Borrower 2 Citizenship Identification Documentation which is provided on pg- 319 in file is expired. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. - Seller-03/26/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3657566

N/A

XXXX

xxxxxx7823

Closed

2025-03-20 10:33

2025-03-26 09:24

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/26/2025

Resolved-Validation Resolved' - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. - Seller-03/25/2025

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet / Income Calculator is Missing in file. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. - Seller-03/25/2025

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/26/2025

Resolved-Validation Resolved' - Due Diligence Vendor-03/26/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3654810

N/A

XXXX

xxxxxx6556

Closed

2025-03-24 17:33

2025-03-26 11:47

Resolved

1 - Information

Credit

DSCR unknown

Resolved-A corrected DSCR calculator was received to match the PITIA. DSCR calculation matches the audit's. Issue resolved. - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. DSCR calculations - Seller-03/25/2025
Open-· The DSCR calculator provided lists $XXXX as property taxes with a total PITIA of $XXXX, calculating a DSCR of 1.3139. However, the First Payment Letter lists $190.86 for County Taxes + $XXXX for City Taxes = $XXXX Total Taxes. The Initial Escrow Account Disclosure Statement also confirms County Property Tax as well as the City Tax. Audit used the $XXXX for Total Taxes and a PITIA of $XXXX, thus calculating a DSCR of 1.2367. The lender-to-audit DSCR calculations are outside of tolerance. Corrected DSCR calculator is needed. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. DSCR calculations - Seller-03/25/2025

Resolved-A corrected DSCR calculator was received to match the PITIA. DSCR calculation matches the audit's. Issue resolved. - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3681476

N/A

XXXX

xxxxxx6556

Closed

2025-03-24 17:10

2025-03-26 11:46

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-A corrected 1008 was received. Issue resolved. - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025
Open-The 1008 document is missing from the loan file. · The 1008 provided lists $XXXX as property taxes with a total PITIA of $XXXX. However, the First Payment Letter lists $XXXX for County Taxes + $XXXX for City Taxes = XXXX Total Taxes. The Initial Escrow Account Disclosure Statement also confirms County Property Tax as well as the City Tax. The 1008 is missing the City Tax amount. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025

Resolved-A corrected 1008 was received. Issue resolved. - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3681135

N/A

XXXX

xxxxxx1521

Closed

2025-03-24 19:26

2025-03-26 11:40

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-a corrected 1008 was received. Issue resolved. - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025
Open-The 1008 document is missing from the loan file. · Per the 1008 provided: (A.) Insurance is $XXXX per month. However, documentation in file shows insurance at $XXXX (÷12 = $XXXX) and $XXXX (÷12 = $XXXX) for a second policy. The Final CD confirms total insurance of $XXXX. The 1008 is missing the second insurance policy. (B.) The Sales Price and the Appraised Value are both listed as $XXXX. However, per the Appraisal, the Appraised value is actually $XXXX. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025

Resolved-a corrected 1008 was received. Issue resolved. - Due Diligence Vendor-03/26/2025

XXXX

Primary Residence

Purchase

3682983

N/A

XXXX

xxxxxx1521

Closed

2025-03-21 07:10

2025-03-25 11:23

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/24/2025

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-03/21/2025

Ready for Review-Document Uploaded. XXXX SSR - Seller-03/24/2025

Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Purchase

3665024

N/A

XXXX

xxxxxx1521

Closed

2025-03-21 09:11

2025-03-26 13:27

Resolved

1 - Information

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-. - Due Diligence Vendor-03/26/2025

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.731%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #588,593 and the Final Closing disclosure on Pg #325, Finding reflects escrows. Rate lock date was entered correctly – see Pg #594,603. An interior and exterior appraisal was completed for this property – see Pg #38, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #36,37,671.
The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025

Primary Residence

Purchase

3665311

N/A

XXXX

xxxxxx1521

Closed

2025-03-21 09:11

2025-03-26 13:27

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - Due Diligence Vendor-03/26/2025

Resolved-The loan's (8.731%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #588,593 and the Final Closing disclosure on Pg #325, Finding reflects escrows. Rate lock date was entered correctly – see Pg #594,603. An interior and exterior appraisal was completed for this property – see Pg #38, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #36,37,671.
The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025

Primary Residence

Purchase

3665312

N/A

XXXX

xxxxxx6562

Closed

2025-03-24 18:16

2025-03-26 12:00

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/26/2025

Resolved-Updated fraud page. - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Open-Third Party Fraud Report Partially Provided Fraud report shows unclear on the report - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/26/2025

Resolved-Updated fraud page. - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3681988

N/A

XXXX

xxxxxx6562

Closed

2025-03-24 18:27

2025-03-25 12:47

Resolved

1 - Information

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-03/25/2025

Ready for Review-Document Uploaded. Fully executed Final HUD1 - Seller-03/24/2025

Open-Final HUD-1 Document is Missing. Need the executed final CD stamped and certified that shows loan payoff. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Fully executed Final HUD1 - Seller-03/24/2025

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/25/2025

XXXX

Investment

Refinance

Cash Out - Other

3682144

N/A

XXXX

xxxxxx6562

Closed

2025-03-21 13:18

2025-03-25 12:43

Resolved

1 - Information

Compliance

Missing Doc

Other Rider is Missing

Resolved-Updated DOT Page. - Due Diligence Vendor-03/25/2025

Ready for Review-Document Uploaded. DOT & All Riders - Seller-03/24/2025

Open-GA Acknowledgement of Borrower Rights Rider missing. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. DOT & All Riders - Seller-03/24/2025

Resolved-Updated DOT Page. - Due Diligence Vendor-03/25/2025

XXXX

Investment

Refinance

Cash Out - Other

3666701

N/A

XXXX

xxxxxx1104

Closed

2025-03-21 08:38

2025-03-26 13:03

Resolved

1 - Information

Credit

Guarantor Recourse Doc is missing.

Resolved-Notice to Guarantor provided. - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Notice to Guarantor - Seller-03/25/2025

Open-Provided Personal Guaranty Document. Guaranty Document missing in file. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Notice to Guarantor - Seller-03/25/2025

Resolved-Notice to Guarantor provided. - Due Diligence Vendor-03/26/2025

XXXX

Investment

Purchase

3665250

N/A

XXXX

xxxxxx6563

Closed

2025-03-21 12:26

2025-03-26 12:31

Resolved

1 - Information

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-03/26/2025
Ready for Review-Document Uploaded. Final HUD1 showing both taxes being collected - Seller-03/25/2025
Open-Final HUD-1 Document is Missing. As per the IED & DSCR Worksheet TAX Monthly Premium amount is $ XXXX/12=$XXXX(County Taxes $XXXX+Citi Taxes $XXXX) where as in FINAL HUD-1 Document showing only County Taxes is XXXX*12=$XXXX Please Provide the updated Final Hud-1 document with County Taxes & City Taxes. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Final HUD1 showing both taxes being collected - Seller-03/25/2025

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3666301

N/A

XXXX

xxxxxx6563

Closed

2025-03-21 11:08

2025-03-26 12:30

Resolved

1 - Information

Credit

Doc Issue

Prepayment Rider Missing

Resolved-received ppp rider - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Prepay Rider - Seller-03/24/2025

Open-Prepayment Rider Missing. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Prepay Rider - Seller-03/24/2025

Resolved-received ppp rider - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3665752

N/A

XXXX

xxxxxx6563

Closed

2025-03-21 10:33

2025-03-26 12:29

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/26/2025

Open-The Deed of Trust is Missing Provide the updated DOT with PREPAYMENT PENALTY RIDER check mark on it. - Due Diligence Vendor-03/21/2025

Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/26/2025

Investment

Refinance

Cash Out - Other

3665570

N/A

XXXX

xxxxxx6563

Closed

2025-03-21 11:20

2025-03-26 08:38

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025
Open-The 1008 document is missing from the loan file. Provide the update 1008 with Monthly Property Tax Premium amount of $XXXX*12= XXXX.( County Taxes $XXXX+City Taxes XXXX=XXXX) but 1008 Document showing as only $XXXX*12=$XXXX( County Taxes showing only.) Tax Cert on page#732. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025

Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-03/26/2025

XXXX

Investment

Refinance

Cash Out - Other

3665816

N/A

XXXX

xxxxxx0469

Closed

2025-03-21 05:59

2025-03-26 09:58

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/26/2025

Resolved-Fraud Report Alerts have been cleared per updated report. Resolved - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Open-Fraud Report Shows Uncleared Alerts Fraud report showsuncleared alerts. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

XXXX

Primary Residence

Purchase

3664820

N/A

XXXX

xxxxxx0483

Closed

2025-03-21 08:23

2025-03-28 13:15

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. Compliance Response and explanation - Initial LE was issued on XXXX, not locked showing a credit of $2666.   On the same day, but later we issued a locked Revised LE showing a credit of $1389.   We have provided the COC for the LE being Locked.   We were just explaining that nothing changed of the Initial CD or the Final CD, just that on our CD’s is does show the actual amount which is $1388.80 instead of rounding up on the LE - Seller-03/27/2025
Counter-We have other LE in file dated XXXX with credit in the amount of  2,666 is that CD to be omitted?  We also have LE same date with credit for 1389. - Due Diligence Vendor-03/27/2025
Ready for Review- - Due Diligence Vendor-03/27/2025
Ready for Review-Document Uploaded. Attached COC with detail regarding the specific pricing change disclosed on the Locked LE/COC.  Please also note the reason for the change in cents from Locked LE at $1389 to Initial CD at $1388.80, as the LE form always rounds up and does not include cents.
- Seller-03/26/2025
Counter-Have this COC in file  for the initial credit however we do not have COC for wen the credit decreased   - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. COC/LE XXXX for lock - Seller-03/24/2025
Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($2,666.00). The Last CD shows a total lender credit amount of ($1,388.80). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits are decreased from $2660 (revised LE) to $1388.80 (initial CD). Provide a valid COC to cure this. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Compliance Response and explanation - Initial LE was issued on XXXX, not locked showing a credit of $XXXX. On the same day, but later we issued a locked Revised LE showing a credit of $XXXX. We have provided the COC for the LE being Locked. We were just explaining that nothing changed of the Initial CD or the Final CD, just that on our CD’s is does show the actual amount which is $XXXX instead of rounding up on the LE - Seller-03/27/2025
Ready for Review-Document Uploaded. Attached COC with detail regarding the specific pricing change disclosed on the Locked LE/COC. Please also note the reason for the change in cents from Locked LE at $XXXX to Initial CD at $XXXX, as the LE form always rounds up and does not include cents.
- Seller-03/26/2025
Ready for Review-Document Uploaded. COC/LE XXXX for lock - Seller-03/24/2025

Resolved-Resolved - Due Diligence Vendor-03/28/2025

XXXX

Primary Residence

Purchase

3665225

N/A

XXXX

xxxxxx0483

Closed

2025-03-24 20:14

2025-03-26 12:12

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated 1008, and 1003 pages. - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Updated 1003 and 1008 for the property added back into DTI - Seller-03/25/2025

Open-Need the purchase contract of the prior primary is pending sale. Do not have copy of the contract. If not under contract will need to include in the DTI. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Updated 1003 and 1008 for the property added back into DTI - Seller-03/25/2025

Resolved-Updated 1008, and 1003 pages. - Due Diligence Vendor-03/26/2025

XXXX

Primary Residence

Purchase

3683418

N/A

XXXX

xxxxxx0483

Closed

2025-03-21 07:49

2025-03-26 06:43

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025

XXXX

Primary Residence

Purchase

3665132

N/A

XXXX

xxxxxx0023

Closed

2025-03-26 15:26

2025-03-29 13:39

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-03/29/2025

Ready for Review-Document Uploaded. Updated 1003 showing as Investment - Seller-03/28/2025

Open-The prior primary on final 1003 still is showing as primary - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Updated 1003 showing as Investment - Seller-03/28/2025

Resolved-The Final 1003 is Present - Due Diligence Vendor-03/29/2025

XXXX

Primary Residence

Purchase

3699188

N/A

XXXX

xxxxxx9404

Closed

2025-03-28 12:47

2025-04-01 18:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close, dated XXXX, Was Provided. - Due Diligence Vendor-04/01/2025
Ready for Review-Document Uploaded. - Seller-04/01/2025
Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE Prior to Close document, as it is missing in file. - Due Diligence Vendor-03/28/2025

Ready for Review-Document Uploaded. - Seller-04/01/2025

Resolved-Borrower 1 3rd Party VOE Prior to Close, dated XXXX, Was Provided. - Due Diligence Vendor-04/01/2025

XXXX

Investment

Purchase

3717436

N/A

XXXX

xxxxxx9404

Closed

2025-03-31 19:21

2025-04-01 11:37

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Title Document was Provided And is Complete. Updated the system & Resolved. - Due Diligence Vendor-04/01/2025

Ready for Review-Document Uploaded. All pages should be present. - Seller-04/01/2025

Open-Title Document is Incomplete · The Title document provided contains only pages 1-5 of 10. Pages 6-10 of 10 are missing. - Due Diligence Vendor-03/31/2025

Ready for Review-Document Uploaded. All pages should be present. - Seller-04/01/2025

Resolved-Title Document was Provided And is Complete. Updated the system & Resolved. - Due Diligence Vendor-04/01/2025

XXXX

Investment

Purchase

3734137

N/A

XXXX

xxxxxx9323

Closed

2025-03-24 05:17

2025-04-10 13:49

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 25.28 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/09/2025

Ready for Review- - Due Diligence Vendor-04/09/2025

Counter-1003 shows pending nets sale now. Can you provide the proceeds from the sale? - Due Diligence Vendor-04/09/2025

Ready for Review-Document Uploaded. - Seller-04/08/2025

Open-Audited Reserves of 2.77 month(s) are less than Guideline Required Reserves of 6 month(s) Reserves do not match amount on final 1003 or 1008. Need more reserves to meet GL. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. - Seller-04/08/2025

Resolved-Audited Reserves of 25.28 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/09/2025

XXXX

Primary Residence

Purchase

3676134

N/A

XXXX

xxxxxx9323

Closed

2025-03-24 07:39

2025-04-09 13:39

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Documents uploaded. Resolved. - Due Diligence Vendor-04/09/2025
Ready for Review-Document Uploaded. - Seller-04/08/2025
Open-TRID: Missing Final Closing Disclosure Provide updated Final CD, as escrow amount $XXXX transfer to escrow deposit account from seller agent, we have escrow wire proof page #607, but in final Cd escrow deposit amount is not reflecting, because of that cash to close amount is reflecting $XXXX, hence there is difference in asset reserves. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. - Seller-04/08/2025

Resolved-Documents uploaded. Resolved. - Due Diligence Vendor-04/09/2025

XXXX

Primary Residence

Purchase

3676486

N/A

XXXX

xxxxxx7746

Closed

2025-03-26 13:44

2025-04-07 14:20

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Asset Record 3 Meets G/L Requirements. Proof for Pending Net Sale Proceeds provided. - Due Diligence Vendor-04/01/2025
Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/01/2025
Ready for Review-Document Uploaded. - Seller-03/31/2025
Open-Asset Record 3 Does Not Meet G/L Requirements Asset Proof for $XXXX from Pending Net Sale Proceeds from Real Estate Assets is missing to validate the asset to cover liquid funds to post close and Required reserves. - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

XXXX

Investment

Purchase

3697478

N/A

XXXX

xxxxxx7746

Closed

2025-03-24 08:24

2025-04-04 15:52

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Disbursement date is XXXX per HUD. HOI effective date is before on XXXX. - Due Diligence Vendor-04/04/2025
Ready for Review-Document Uploaded.  - Seller-04/02/2025
Counter-Can you re-upload the doc. Unable to open.  - Due Diligence Vendor-04/01/2025
Ready for Review-Document Uploaded.  - Seller-03/31/2025
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX , is same as Disbursement date.   - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. - Seller-04/02/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

Resolved-Disbursement date is XXXX per HUD. HOI effective date is before on XXXX. - Due Diligence Vendor-04/04/2025

XXXX

Investment

Purchase

3676623

N/A

XXXX

xxxxxx9305

Closed

2025-03-28 13:27

2025-04-03 20:59

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Requested updated Income calculation provided hence resolved. - Due Diligence Vendor-04/02/2025
Resolved-Validation Resolved' - Due Diligence Vendor-04/02/2025
Ready for Review-Document Uploaded. The income worksheet for asset utilization does not have a section to deduct all that is required to be deducted for “Asset Utilization for Use as Income with DTI”. The worksheet is designed for the No DTI. For the program we used, it falls under DTI so we take the qualifying income which is from the income worksheet then to get to the amount we can use, we have to deduct from that, the down payment, reserves and closing costs which is all broken down on attached along with guidelines. The income used was most conservative. Please re-review - Seller-04/01/2025
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Asset Utilization Calculator on Page #796 reflects Total Qualifying other Income of $XXXX whereas the Final 1003 & 1008 reflects $XXXX. Asper GL we can use Checking, Saving, Money Market accounts 100%. - Due Diligence Vendor-03/28/2025

Ready for Review-Document Uploaded. The income worksheet for asset utilization does not have a section to deduct all that is required to be deducted for “Asset Utilization for Use as Income with DTI”. The worksheet is designed for the No DTI. For the program we used, it falls under DTI so we take the qualifying income which is from the income worksheet then to get to the amount we can use, we have to deduct from that, the down payment, reserves and closing costs which is all broken down on attached along with guidelines. The income used was most conservative. Please re-review - Seller-04/01/2025

Resolved-Requested updated Income calculation provided hence resolved. - Due Diligence Vendor-04/02/2025

Resolved-Validation Resolved' - Due Diligence Vendor-04/02/2025

XXXX

Primary Residence

Purchase

3717856

N/A

XXXX

xxxxxx9305

Closed

2025-03-25 05:28

2025-04-02 10:25

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Requested updated Income calculation provided & now DTI & HTI are matching.
- Due Diligence Vendor-04/02/2025
Ready for Review-Document Uploaded. The income worksheet for asset utilization does not have a section to deduct all that is required to be deducted for “Asset Utilization for Use as Income with DTI”. The worksheet is designed for the No DTI. For the program we used, it falls under DTI so we take the qualifying income which is from the income worksheet then to get to the amount we can use, we have to deduct from that, the down payment, reserves and closing costs which is all broken down on attached along with guidelines. The income used was most conservative - Seller-04/01/2025
Open-HTI & DTI discrepancy is due to the Asset Utilization Calculator on Page #796 reflects Total Qualifying other Income of $XXXX whereas the Final 1003 & 1008 reflects other income of $XXXX. - Due Diligence Vendor-03/25/2025

Resolved-Requested updated Income calculation provided & now DTI & HTI are matching.
- Due Diligence Vendor-04/02/2025

XXXX

Primary Residence

Purchase

3685681

N/A

XXXX

xxxxxx9293

Closed

2025-03-26 09:50

2025-04-02 13:14

Resolved

1 - Information

Compliance

Disclosure

Missing PCCD.

Resolved-PCCD uploaded in other condition.  - Due Diligence Vendor-04/02/2025
Ready for Review-Document Uploaded.  - Seller-03/31/2025
Open-There is a wire transfer/deposit of $XXXX to settlement agent (Wonderland Escrow) dated on XXXX which is after closing date. And No PCCD provided in file.  - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

Resolved-PCCD uploaded in other condition. - Due Diligence Vendor-04/02/2025

XXXX

Primary Residence

Purchase

3695694

N/A

XXXX

xxxxxx9293

Closed

2025-03-26 09:48

2025-04-02 13:13

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD uploaded in other condition. Resolved. - Due Diligence Vendor-04/02/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure in file.
- Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

Resolved-Initial CD uploaded in other condition. Resolved. - Due Diligence Vendor-04/02/2025

XXXX

Primary Residence

Purchase

3695691

N/A

XXXX

xxxxxx9293

Closed

2025-03-26 09:41

2025-04-02 13:00

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/02/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

Open-Evidence of Rate Lock Missing Unable to determine Rate lock/Loan locked. No supportive documents like revised LE or COC or Rate lock agreement states loan is locked. - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/02/2025

XXXX

Primary Residence

Purchase

3695680

N/A

XXXX

xxxxxx8431

Closed

2025-03-26 12:15

2025-04-01 16:00

Resolved

1 - Information

Compliance

Missing Doc

Undiscounted Rate is Missing

Resolved-Document received. Resolved - Due Diligence Vendor-04/01/2025

Ready for Review-We don't have a discount points disclosure. Is the COC not sufficient? - Seller-03/31/2025

Open-Provide Discount Points Disclosure. Discount Points Disclosure document Missing in file. - Due Diligence Vendor-03/26/2025

Ready for Review-We don't have a discount points disclosure. Is the COC not sufficient? - Seller-03/31/2025

Resolved-Document received. Resolved - Due Diligence Vendor-04/01/2025

XXXX

Primary Residence

Purchase

3696546

N/A

XXXX

xxxxxx9578

Closed

2025-03-27 17:08

2025-04-01 12:12

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-12 months housing history verified.12 months Rent proof checks provided. - Due Diligence Vendor-04/01/2025

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/01/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

Open-Housing History Does Not Meet Guideline Requirements Borrower living in rent per Final 1003 but VOR is missing. Provide VOR to verify the 12 months housing history. - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. - Seller-03/31/2025

XXXX

Primary Residence

Purchase

3710909

N/A

XXXX

xxxxxx8494

Closed

2025-03-27 05:16

2025-04-09 12:57

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/09/2025

Ready for Review-Document Uploaded. NOte and DOT attached. - Seller-04/08/2025

Counter-This is not the right DOT. - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Open-The Deed of Trust is Missing Provide the updated Deed of Trust, as only 1st page is present in file, remaining pages are missing. - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. NOte and DOT attached. - Seller-04/08/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/09/2025

XXXX

Primary Residence

Purchase

3705368

N/A

XXXX

xxxxxx8494

Closed

2025-03-27 05:05

2025-04-09 12:55

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-The Note is Present - Due Diligence Vendor-04/09/2025

Ready for Review-Document Uploaded. Note and DOT attached.l - Seller-04/08/2025

Counter-This is not the right NOTE. - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Open-The Note is Incomplete Provide updated Note, as 1st page is missing in file. - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. Note and DOT attached.l - Seller-04/08/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Resolved-The Note is Present - Due Diligence Vendor-04/09/2025

XXXX

Primary Residence

Purchase

3705339

N/A

XXXX

xxxxxx8494

Closed

2025-03-27 12:30

2025-04-04 09:30

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Pension Stub & Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. calculation worksheet attached. qualified off gross monthly earnings. Stub is in file and attached. - Seller-04/03/2025

Open-Provide the supporting documents for pension, unable to verify income from 1099. - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. calculation worksheet attached. qualified off gross monthly earnings. Stub is in file and attached. - Seller-04/03/2025

Resolved-Pension Stub & Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025

XXXX

Primary Residence

Purchase

3707106

N/A

XXXX

xxxxxx8494

Closed

2025-03-27 05:45

2025-04-04 09:30

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/04/2025

Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender worksheet, as it is missing in file. - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/04/2025

Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025

XXXX

Primary Residence

Purchase

3705440

N/A

XXXX

xxxxxx8288

Closed

2025-03-31 06:36

2025-04-08 20:16

Resolved

1 - Information

Compliance

Disclosure

Missing PCCD.

Resolved-PCCD received with gift funds referenced. - Due Diligence Vendor-04/08/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Open-As per gift letters and wire transfers, the Gift Funds for $270,000 are not listed on the Final Closing Disclosure. Requesting updated PCCD with gift amount.
- Due Diligence Vendor-03/31/2025

Ready for Review-Document Uploaded. - Seller-04/03/2025

Resolved-PCCD received with gift funds referenced. - Due Diligence Vendor-04/08/2025

XXXX

Primary Residence

Purchase

3727197

N/A

XXXX

xxxxxx8288

Closed

2025-03-31 06:35

2025-04-03 10:50

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/03/2025

Ready for Review-Document Uploaded. - Seller-04/02/2025

Open-Matrix Version Date is missing in the Lender Approval Form - Due Diligence Vendor-03/31/2025

Ready for Review-Document Uploaded. - Seller-04/02/2025

Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/03/2025

XXXX

Primary Residence

Purchase

3727187

N/A

XXXX

xxxxxx9934

Closed

2025-04-01 06:15

2025-05-22 16:04

Waived

2 - Non-Material

Compliance

HigherPriced:APR

North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming)

Waived-The loan's (8.285%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.62%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel Appropriate to Waive as a B Grade. - Due Diligence Vendor-05/22/2025

Waived-The loan's (8.285%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.62%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel Appropriate to Waive as a B Grade. - Due Diligence Vendor-04/01/2025

Per External Counsel Appropriate to Waive as a B Grade

Primary Residence

Refinance

Cash Out - Other

3737123

Originator Post-Close

XXXX

xxxxxx9934

Closed

2025-04-01 06:15

2025-04-01 07:27

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (8.285%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
TRID Header Disclosure Page was entered correctly
All disclosures, COC's, Fees, and dates are entered correctly.
Rate lock date was entered correctly.
Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s436
Final Closing disclosure on Pg#’179
Rate lock doc on pg-178.
An interior and exterior appraisal was completed for this property on pg-41.
A copy of the appraisal was given to the borrower on pgs-491, 492-494.
confirmation the appraisal was delivered to the borrower – see Pg#’s 36-38.
The loan meets HPML Guidelines, resolved.
- Due Diligence Vendor-04/01/2025

Primary Residence

Refinance

Cash Out - Other

3737122

N/A

XXXX

xxxxxx8312

Closed

2025-04-01 04:45

2025-04-02 16:28

Rescinded

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Variance in Points and Broker fees are less than $.99. - Due Diligence Vendor-04/02/2025

Resolved-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Variance in Points and Broker fees are less than $.99. - Due Diligence Vendor-04/01/2025

Primary Residence

Purchase

3736838

N/A

XXXX

xxxxxx9223

Closed

2025-04-04 17:17

2025-04-11 17:48

Resolved

1 - Information

Credit

Letter of Explanation (Assets) missing or unexecuted

Resolved-Access letter to bank account received. - Due Diligence Vendor-04/11/2025
Ready for Review-Document Uploaded. - Seller-04/10/2025
Open-Borrower withdrew funds of $XXXX from business account on page 377 and deposited into personal account on page 63. Borrower only owns 50% business. Need letter from joint business owner allowing access of business funds for $XXXX. - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. - Seller-04/10/2025

Resolved-Access letter to bank account received. - Due Diligence Vendor-04/11/2025

XXXX

Primary Residence

Purchase

3786373

N/A

XXXX

xxxxxx9223

Closed

2025-04-02 08:46

2025-04-09 13:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved, COC received. - Due Diligence Vendor-04/09/2025

Ready for Review-Document Uploaded. COC attached - Seller-04/08/2025

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Recording Service Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Recording Service Fee $9.50 is added in Final CD section B but COC for the same is not available. Provide COC for adding Recording Service Fee $9.50. - Due Diligence Vendor-04/02/2025

Ready for Review-Document Uploaded. COC attached - Seller-04/08/2025

Resolved-Resolved, COC received. - Due Diligence Vendor-04/09/2025

XXXX

Primary Residence

Purchase

3748784

N/A

XXXX

xxxxxx9385

Closed

2025-04-02 08:52

Resolved

1 - Information

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (9.385%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 376 and the Final Closing disclosure on Pg#’s 204, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 387. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 462, and confirmation the appraisal was delivered to the borrower – see Pg#’s 27-28. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/02/2025

Primary Residence

Purchase

3748827

N/A

XXXX

xxxxxx8880

Closed

2025-04-03 10:52

2025-04-10 12:46

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD uploaded. Mavent passed. - Due Diligence Vendor-04/10/2025

Ready for Review-Document Uploaded. - Seller-04/09/2025

Open-TRID: Missing Closing Disclosure Provide Initial closing disclosure document, as Initial CD is missing in file, we can't run the compliance without Initial CD. - Due Diligence Vendor-04/03/2025

Ready for Review-Document Uploaded. - Seller-04/09/2025

Resolved-Initial CD uploaded. Mavent passed. - Due Diligence Vendor-04/10/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3761033

N/A

XXXX

xxxxxx8880

Closed

2025-04-03 10:52

2025-04-10 10:30

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/10/2025

Ready for Review-Document Uploaded. - Seller-04/09/2025

Open-Provide lender approval form, as it is missing in file. - Due Diligence Vendor-04/03/2025

Ready for Review-Document Uploaded. - Seller-04/09/2025

Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/10/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3761028

N/A

XXXX

xxxxxx6054

Closed

2025-04-09 08:17

2025-04-11 10:30

Resolved

1 - Information

Property

Value

Secondary Valuation or Additional Valuation has not been entered per securitization requirements

Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/11/2025
Ready for Review-Document Uploaded. - Seller-04/10/2025
Open-Loan amount is > $XXXX, One Appraisal completed by an XXXX is provided but require Additional valuation XXXX) or XXXX) to support value regardless of the SSR score. Provide Additional valuation product for securitization requirements. - Due Diligence Vendor-04/09/2025

Ready for Review-Document Uploaded. - Seller-04/10/2025

Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/11/2025

XXXX

Primary Residence

Purchase

3814275

N/A

XXXX

xxxxxx0906

Closed

2025-04-08 05:40

2025-04-15 09:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/15/2025

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/15/2025

Ready for Review-Document Uploaded. - Seller-04/14/2025

Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower is Permanent resident Alien, in file on pg-593 permanent resident card is available but missing with Drivers license/passport. - Due Diligence Vendor-04/08/2025

Ready for Review-Document Uploaded. - Seller-04/14/2025

XXXX

Primary Residence

Purchase

3802471

N/A

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

xxxxxx0474

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx0849

XXXX

1004 URAR

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx8670

XXXX

1004 URAR

XXXX

90.0

XXXX

Collateral Underwriter (CU)

XXXX

2.2

XXXX

xxxxxx6381

XXXX

1004 URAR

XXXX

80.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx9417

XXXX

1004 URAR

XXXX

62.97

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

3.8

XXXX

xxxxxx8514

XXXX

1004 URAR

XXXX

80.0

XXXX

2000

XXXX

Collateral Underwriter (CU)

XXXX

1.1

XXXX

xxxxxx0898

XXXX

1004 URAR

XXXX

90.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

xxxxxx2274

XXXX

1004 URAR

XXXX

60.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx1097

XXXX

1004 URAR

XXXX

70.0

XXXX

-20000

XXXX

2000 One Unit Appraisal Field Review

XXXX

-20000

XXXX

xxxxxx7215

XXXX

1004 URAR

XXXX

60.27

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

1.4

XXXX

xxxxxx5822

XXXX

1004 URAR

XXXX

60.0

XXXX

Collateral Underwriter (CU)

XXXX

2.4

XXXX

xxxxxx7850

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

LOW RISK

XXXX

Eligible

2.6

XXXX

xxxxxx8533

XXXX

1004 URAR

XXXX

73.82

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx9587

XXXX

1004 URAR

XXXX

75.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx9712

XXXX

1004 URAR

XXXX

65.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx0498

XXXX

1004 URAR

XXXX

85.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx9782

XXXX

1025 Small Residential Income Report

XXXX

70.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

xxxxxx0101

XXXX

1004 URAR

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

3.4

XXXX

xxxxxx0897

XXXX

1004 URAR

XXXX

85.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

3.5

XXXX

xxxxxx1498

XXXX

1004 URAR

XXXX

90.0

XXXX

7000

XXXX

1004 URAR

XXXX

7000

XXXX

1004 URAR

XXXX

1.4

XXXX

xxxxxx0284

XXXX

1004 URAR

XXXX

78.35

XXXX

Collateral Underwriter (CU)

XXXX

1.7

XXXX

xxxxxx1164

XXXX

1073 Individual Condo Report

XXXX

27.03

XXXX

Collateral Underwriter (CU)

XXXX

1.2

XXXX

xxxxxx8898

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx8079

XXXX

1073 Individual Condo Report

XXXX

70.0

XXXX

Desk Review

XXXX

Low

XXXX

xxxxxx1475

XXXX

1004 URAR

XXXX

74.34

XXXX

Loan Collateral Advisor (LCA)

XXXX

1.5

XXXX

Eligible

XXXX

xxxxxx1434

XXXX

1004 URAR

XXXX

90.0

XXXX

Collateral Underwriter (CU)

XXXX

1.5

XXXX

xxxxxx9838

XXXX

1004 URAR

XXXX

48.81

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx7346

XXXX

1004 URAR

XXXX

70.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx0333

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx6695

XXXX

1004 URAR

XXXX

80.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx9583

XXXX

1004 URAR

XXXX

60.4

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx1462

XXXX

1004 URAR

XXXX

70.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

3.2

XXXX

xxxxxx1846

XXXX

1073 Individual Condo Report

XXXX

78.96

XXXX

Loan Collateral Advisor (LCA)

XXXX

1.5

XXXX

Eligible

XXXX

xxxxxx9629

XXXX

1025 Small Residential Income Report

XXXX

55.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx7563

XXXX

1004 URAR

XXXX

43.48

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

1.1

XXXX

xxxxxx1813

XXXX

1073 Individual Condo Report

XXXX

70.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx9930

XXXX

1004 URAR

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx0331

XXXX

1004 URAR

XXXX

80.0

XXXX

-25000

XXXX

1004 URAR

XXXX

-25000

XXXX

1004 URAR

XXXX

1.7

XXXX

xxxxxx7757

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

xxxxxx1003

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx8948

XXXX

1004 URAR

XXXX

59.23

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx7468

XXXX

1004 URAR

XXXX

69.94

XXXX

-15000

XXXX

Desk Review

XXXX

-15000

XXXX

REASONABLE

XXXX

Not Eligible

3.3

XXXX

xxxxxx8106

XXXX

1025 Small Residential Income Report

XXXX

70.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx0826

XXXX

1004 URAR

XXXX

90.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx6708

XXXX

1004 URAR

XXXX

85.0

XXXX

75000

XXXX

1004 URAR

XXXX

75000

XXXX

1004 URAR

XXXX

75000

XXXX

Indeterminate

XXXX

xxxxxx0325

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx0981

XXXX

1004 URAR

XXXX

78.95

XXXX

Collateral Underwriter (CU)

XXXX

1.5

XXXX

xxxxxx7823

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

1.1

XXXX

xxxxxx6556

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx1521

XXXX

1004 URAR

XXXX

90.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

1.5

XXXX

Eligible

XXXX

xxxxxx1406

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

1.2

XXXX

xxxxxx6562

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx1104

XXXX

1004 URAR

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

3.2

XXXX

xxxxxx6563

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx0469

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

1.5

XXXX

xxxxxx0483

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

1.6

XXXX

xxxxxx9094

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx0580

XXXX

1004 URAR

XXXX

70.0

XXXX

Collateral Underwriter (CU)

XXXX

2.5

XXXX

xxxxxx0023

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

1.9

XXXX

xxxxxx9404

XXXX

1004 URAR

XXXX

70.0

XXXX

Desk Review

XXXX

MODERATE RISK

XXXX

Not Eligible

2.3

XXXX

xxxxxx9323

XXXX

1004 URAR

XXXX

70.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx7746

XXXX

1004 URAR

XXXX

65.82

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

2.1

XXXX

xxxxxx9305

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx9634

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx7067

XXXX

1004 URAR

XXXX

60.0

XXXX

Desk Review

XXXX

No Risk Score Noted

XXXX

Not Eligible

3.5

XXXX

xxxxxx9293

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx8431

XXXX

1004 URAR

XXXX

62.21

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

2.3

XXXX

xxxxxx8123

XXXX

1004 URAR

XXXX

68.17

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

2.5

XXXX

xxxxxx8707

XXXX

1004 URAR

XXXX

47.06

XXXX

Desk Review

XXXX

Reasonable

XXXX

Not Eligible

XXXX

xxxxxx9578

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

1.7

XXXX

xxxxxx8494

XXXX

1004 URAR

XXXX

55.56

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx1028

XXXX

1004 URAR

XXXX

63.94

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

xxxxxx8288

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

REASONABLE

XXXX

Eligible

2.9

XXXX

xxxxxx8438

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx9934

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

Eligible

4.8

XXXX

xxxxxx8312

XXXX

1004 URAR

XXXX

62.26

XXXX

Desk Review

XXXX

Reasonable

XXXX

Not Eligible

3.6

XXXX

xxxxxx9379

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx9893

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

1.8

XXXX

xxxxxx9223

XXXX

1004 URAR

XXXX

79.6

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx9385

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx9814

XXXX

1004 URAR

XXXX

46.72

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

1.4

XXXX

xxxxxx8880

XXXX

1004 URAR

XXXX

70.93

XXXX

Desk Review

XXXX

REASONABLE

XXXX

Eligible

4.2

XXXX

xxxxxx6054

XXXX

1004 URAR

XXXX

79.99

XXXX

Collateral Underwriter (CU)

XXXX

Desk Review

XXXX

Reasonable

XXXX

Not Eligible

1.7

XXXX

xxxxxx9014

XXXX

1073 Individual Condo Report

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx0906

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx8142

XXXX

1073 Individual Condo Report

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx9406

XXXX

1004 URAR

XXXX

50.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

2.2

XXXX

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

xxxxxx0474

XXXX

US Citizen

Yes

false

XXXX

729

718

744

729

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

20.58

22.89

22729.91

.00

22729.91

Employed

9.23

17528.08

5201.83

Taxes and Insurance

35.78

167327.24

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.75

4011.91

664.92

4676.83

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

161827.24

1425.0

44793

212

0.48473619198870654

7.50

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx0849

XXXX

US Citizen

false

XXXX

765

746

765

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

No Escrow

148.45

383749.75

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

6.875

2191.41

2585.08

XXXX

Fixed

240

360

XXXX

Yes

120

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

6206.25

339

XXXX

Manual Underwriting

XXXX

xxxxxx8670

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

708

716

708

642

XXXX

ALT DOC

Primary Residence

Purchase

15.33

31.09

15815.30

.00

15815.30

Employed

4.32

10898.16

4917.14

Taxes and Insurance

18.97

45995.36

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

9.625

1912.48

511.8

2424.28

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

3900.5

15510

114

0.2601764067732654

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx6381

XXXX

US Citizen

Yes

false

XXXX

729

715

733

729

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

42.07

6801.07

.00

6801.07

Employed

20.48

3939.58

2861.49

Taxes and Insurance

12.33

35279.4

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.75

2303.98

557.51

2861.49

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

35279.4

1425.0

42983

1.0056129032258065

7.16

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx9417

XXXX

US Citizen

Yes

false

XXXX

680

685

680

674

XXXX

ALT DOC

Investment

Refinance

Cash Out - Other

2.6

20.81

37586.37

.00

37586.37

Employed

21.84

29766.37

7820

Taxes and Insurance

144.75

505708.05

XXXX

62.97

XXXX

Conventional

Fixed

XXXX

7.0

3326.51

167.25

3493.76

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

486557.19

8925.0

25191

201

0.6254213626613095

21.08

XXXX

Manual Underwriting

XXXX

xxxxxx8514

XXXX

US Citizen

Yes

false

XXXX

707

718

707

XXXX

ALT DOC

Investment

Purchase

5.07

45.59

11439.42

.00

11439.42

Employed

4.44

6224.73

5214.69

Taxes and Insurance

20.2

86493.12

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.99

3342.79

939.41

4282.2

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

11462.72

60854

234

0.38049872850798955

XXXX

Manual Underwriting

XXXX

xxxxxx0898

XXXX

US Citizen

Yes

false

XXXX

711

713

708

711

XXXX

ALT DOC

Primary Residence

Purchase

10.5

17.76

59914.81

.00

59914.81

Employed

4.82

49272.94

10641.87

Taxes and Insurance

18.57

116768.32

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

9.99

5800.25

488.62

6288.87

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1835.13

92987

0.2229736211031175

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx2274

XXXX

US Citizen

false

XXXX

720

708

725

720

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

142.11

377696.09

XXXX

60.0

XXXX

DSCR

Fixed

XXXX

6.75

2140.37

483.71

2657.77

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

321488.79

1838.3

249

XXXX

Manual Underwriting

XXXX

xxxxxx1097

XXXX

Permanent Non-US Citizen

false

XXXX

659

662

645

659

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

8.53

30014.64

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

8.99

2982.48

498.5

3517.31

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

2000 One Unit Appraisal Field Review

XXXX

None

ATR/QM: Exempt

10474.720000000001

XXXX

Manual Underwriting

XXXX

xxxxxx7215

XXXX

US Citizen

Yes

true

XXXX

754

779

750

754

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

760

766

760

737

XXXX

ALT DOC

Primary Residence

Purchase

34.1

49.51

4664.55

5511.05

.00

10175.60

Employed

1.78

13.97

5137.68

5037.92

No Escrow

18.36

63708.72

XXXX

60.27

XXXX

Conventional

Fixed

XXXX

7.25

2791.81

3469.92

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

18985

148

0.19880645916218115

XXXX

Manual Underwriting

XXXX

xxxxxx5822

XXXX

US Citizen

false

XXXX

778

769

778

780

XXXX

US Citizen

XXXX

776

770

788

776

XXXX

2YR Full Doc

Primary Residence

Refinance

Rate and Term

21.65

22.81

44162.33

.00

44162.33

Employed

Not Employed

11.57

3 YRS

34088.33

10074

Taxes and Insurance

3.66

34976.12

XXXX

60.0

XXXX

Conventional

Fixed

XXXX

6.875

7863.44

1594.49

9562.07

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

75000

272

0.163024

1.25

XXXX

Manual Underwriting

XXXX

xxxxxx7850

XXXX

US Citizen

false

XXXX

790

793

790

779

XXXX

US Citizen

false

XXXX

793

784

790

XXXX

ALT DOC

Primary Residence

Purchase

.00

Not Employed

Yes

11218.77

Taxes and Insurance

413.27

3275463.92

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.875

6700.67

1225.1

7925.77

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

23700

229

0.14060924369747899

8.00

XXXX

Manual Underwriting

XXXX

xxxxxx8533

XXXX

US Citizen

Yes

false

XXXX

784

785

784

775

XXXX

ALT DOC

Investment

Refinance

Cash Out - Other

19.59

42.57

17864.64

.00

17864.64

Employed

39.69

10259.88

7604.76

No Escrow

7.08

28075.03

XXXX

73.82

XXXX

Conventional

Fixed

XXXX

7.499

3277.25

3964.76

XXXX

Fixed

360

XXXX

6 months interest on amount that exceeds 20%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

28075.03

6486.19

9000

215

0.21335443037974683

10.58

XXXX

Manual Underwriting

XXXX

xxxxxx9587

XXXX

US Citizen

false

XXXX

666

656

731

666

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

15.8

28066.87

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

7.875

1250.74

183.53

1776.27

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

2287.52

365

XXXX

Manual Underwriting

XXXX

xxxxxx9712

XXXX

US Citizen

false

XXXX

636

612

636

647

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

6.97

12774.28

XXXX

65.0

XXXX

DSCR

Fixed

XXXX

9.25

1302.71

504.96

1832.67

XXXX

Fixed

240

360

XXXX

Yes

120

5%, 5%

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

12774.28

3055.87

367

XXXX

Manual Underwriting

XXXX

xxxxxx0498

XXXX

US Citizen

Yes

false

XXXX

722

729

711

XXXX

ALT DOC

Primary Residence

Purchase

4.31

7.37

119811.58

.00

119811.58

Employed

7.37

110983

8828.58

Taxes and Insurance

14.19

73293.77

XXXX

85.0

XXXX

Conventional

Fixed

XXXX

7.875

4283.35

880.17

5163.53

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

350.0

41511

104

0.2731743666169896

XXXX

Manual Underwriting

XXXX

xxxxxx9782

XXXX

Permanent Non-US Citizen

false

XXXX

649

628

663

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Home Improvement/Reno

.00

2700

Taxes and Insurance

17.33

79292.79

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

8.625

3538.94

719.63

4574.99

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

79292.79

7809.9

156

5.00

XXXX

Manual Underwriting

XXXX

xxxxxx0101

XXXX

US Citizen

false

XXXX

707

697

707

713

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

1647

Taxes and Insurance

36.88

55119.28

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

6.625

1152.56

342.04

1494.6

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

40704.28

12516.6

175

8.25

XXXX

Manual Underwriting

XXXX

xxxxxx0897

XXXX

US Citizen

Yes

false

XXXX

727

738

653

727

XXXX

ALT DOC

Primary Residence

Purchase

2.33

3.47

655480.63

.00

655480.63

Employed

3.73

Yes

632740.48

22740.15

Taxes and Insurance

11.57

176775.09

XXXX

85.0

XXXX

Conventional

Fixed

XXXX

8.375

13890.32

1388.55

15278.87

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

Yes

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

56000

123

0.02478865406006674

5.00

XXXX

Manual Underwriting

XXXX

xxxxxx1498

XXXX

US Citizen

Yes

false

XXXX

733

728

733

745

XXXX

ALT DOC

Primary Residence

Purchase

19.77

26.23

28601.61

.00

28601.61

Employed

2.18

3 YRS

21100.05

7501.56

Taxes and Insurance

9.04

51136.67

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

9.625

5377.88

276.08

5653.96

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

None

Non-QM: Lender documented all ATR UW factors

4588.5

39185

0.75

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx0284

XXXX

US Citizen

false

XXXX

756

793

740

756

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

150.14

360823.87

XXXX

78.35

XXXX

DSCR

Fixed

XXXX

7.125

2243.48

159.85

2403.33

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

322003.8

7538.55

314

3.00

XXXX

Manual Underwriting

XXXX

xxxxxx1164

XXXX

US Citizen

Yes

false

XXXX

693

686

700

XXXX

US Citizen

false

XXXX

688

680

712

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

15.87

No Escrow

85.45

149545.81

XXXX

27.03

XXXX

DSCR

Fixed

XXXX

7.625

1061.69

1750.19

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

144807.07

3082.0

465

21.08

XXXX

Manual Underwriting

XXXX

xxxxxx8898

XXXX

US Citizen

Yes

false

XXXX

761

759

761

782

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

747

754

747

746

XXXX

ALT DOC

Primary Residence

Purchase

4.61

8.66

23379.00

.00

46758.00

Employed

2.48

2.55

42706.68

4051.32

No Escrow

63.91

95871.28

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.5

1594.21

2156.32

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4427.76

181084

0.01430773257335621

4.00

XXXX

Manual Underwriting

XXXX

xxxxxx8079

XXXX

US Citizen

false

XXXX

719

694

748

719

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

13.04

20455.67

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

7.125

971.5

397.04

1568.54

XXXX

Fixed

360

XXXX

5%, 5%, 5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

6705.95

119

3.00

XXXX

Manual Underwriting

XXXX

xxxxxx1475

XXXX

US Citizen

false

XXXX

772

796

760

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

15.93

23083.83

XXXX

74.34

XXXX

DSCR

Fixed

XXXX

7.25

1033.08

415.68

1448.76

XXXX

Fixed

240

360

XXXX

Yes

120

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

4535.17

206

4.25

XXXX

Manual Underwriting

XXXX

xxxxxx1434

XXXX

US Citizen

Yes

false

XXXX

773

785

772

773

XXXX

ALT DOC

Primary Residence

Purchase

10.45

14.02

87970.19

.00

87970.19

Employed

0.99

75637.55

12332.64

Taxes and Insurance

6.62

60868.11

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

8.5

7508.44

1686.75

9195.19

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

67600

253

0.1510209967335628

XXXX

Manual Underwriting

XXXX

xxxxxx9838

XXXX

US Citizen

false

XXXX

746

742

770

746

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

34.86

48.54

11677.57

.00

11677.57

Not Employed

6008.79

5668.78

Taxes and Insurance

255.13

1038704.15

XXXX

48.81

XXXX

Conventional

Fixed

XXXX

7.375

3108.04

876.16

4071.2

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

16769.28

2491.5

43320

365

0.984602346993005

0.67

XXXX

Manual Underwriting

XXXX

xxxxxx7346

XXXX

US Citizen

Yes

false

XXXX

738

734

758

738

XXXX

US Citizen

false

XXXX

760

800

743

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

24.39

28.39

16718.76

8333.87

.00

25052.63

Employed

18.78

0.34

17940.4

7112.23

Taxes and Insurance

7.64

46684.93

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

7.625

5251.83

859.41

6111.23

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

287981.01

1425.0

42000

224

0.7791190476190476

7.67

XXXX

Manual Underwriting

XXXX

xxxxxx0333

XXXX

US Citizen

Yes

false

XXXX

774

782

743

XXXX

US Citizen

false

XXXX

775

764

786

XXXX

ALT DOC

Primary Residence

Purchase

32.19

46.05

10258.73

5286.28

.00

15545.01

Employed

3.18

1.05

8385.81

7159.2

No Escrow

27.42

137169.59

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.375

3950.66

5003.2

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

43796

156

0.20002906976744186

0.92

XXXX

Manual Underwriting

XXXX

xxxxxx6695

XXXX

US Citizen

Yes

false

XXXX

679

681

665

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

38.76

41.06

24337.97

.00

24337.97

Employed

5.86

14344.15

9993.82

No Escrow

3.66

34564.7

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

8.625

6969

6969.0

9433.82

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1976.0

30000

146

0.35462478184991275

2.42

XXXX

Manual Underwriting

XXXX

xxxxxx9583

XXXX

US Citizen

Yes

false

XXXX

804

817

775

804

XXXX

Full Doc

Primary Residence

Refinance

Cash Out - Other

8.46

8.58

147824.77

.00

147824.77

Employed

16.7

2 YRS

135145.62

12679.15

No Escrow

143.54

1795450.89

XXXX

60.4

XXXX

Conventional

Fixed

XXXX

7.25

10300.86

12508.15

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1488463.69

1425.0

28226

223

0.0842406135991497

13.67

XXXX

Manual Underwriting

XXXX

xxxxxx1462

XXXX

US Citizen

Yes

false

XXXX

716

728

716

708

XXXX

US Citizen

false

XXXX

756

747

756

758

XXXX

ALT DOC

Investment

Refinance

Cash Out - Other

5.73

32.59

535632.19

.00

535632.19

Employed

Not Employed

37.44

Yes

361044.37

174587.82

Taxes and Insurance

6.64

50924.51

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

7.625

5980.15

1529.43

7674.83

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

822511.81

1425.0

36911

559

0.19827238052501683

XXXX

Manual Underwriting

XXXX

xxxxxx1846

XXXX

US Citizen

Yes

true

XXXX

731

732

731

719

XXXX

ALT DOC

Primary Residence

Purchase

4.41

5.64

76802.24

.00

76802.24

Employed

2.5

Yes

72470.8

4331.44

Taxes and Insurance

20.85

110582.94

XXXX

78.96

XXXX

Conventional

Fixed

XXXX

7.625

2151.69

688.75

3385.44

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1456.16

28500

0.017842105263157895

5.67

XXXX

Manual Underwriting

XXXX

xxxxxx9629

XXXX

US Citizen

false

XXXX

698

696

708

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

No Escrow

127.36

391542.54

XXXX

55.0

XXXX

DSCR

Fixed

XXXX

7.25

2720.11

3074.33

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

391542.54

1148.11

428

XXXX

Manual Underwriting

XXXX

xxxxxx7563

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

668

643

686

XXXX

ALT DOC

Investment

Refinance

Cash Out - Other

10.35

37.55

38372.26

.00

38372.26

Employed

22.48

23963.95

14408.31

Taxes and Insurance

64.69

132942.38

XXXX

43.48

XXXX

Conventional

Fixed

XXXX

8.499

1153.26

843.56

2055.07

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

132942.38

2745.0

62325

218

0.76454811236812

XXXX

Manual Underwriting

XXXX

xxxxxx1813

XXXX

US Citizen

false

XXXX

788

754

789

788

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

171.99

1024193.3

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

6.875

3954.71

943.39

5955.1

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

4344.32

505

3.67

XXXX

Manual Underwriting

XXXX

xxxxxx9930

XXXX

US Citizen

Yes

false

XXXX

800

788

800

804

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

28.09

35.83

25579.00

.00

25579.00

Employed

22.78

2 YRS

16413.11

9165.89

Taxes and Insurance

6.61

47525.28

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.625

5977.32

1208.57

7185.89

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

47525.28

1667.42

88416

377

3.58

XXXX

Manual Underwriting

XXXX

xxxxxx0331

XXXX

US Citizen

false

XXXX

797

761

832

797

XXXX

US Citizen

false

XXXX

798

761

798

XXXX

ALT DOC

Primary Residence

Purchase

37.86

45.89

54667.98

.00

54667.98

Not Employed

Yes

29580.21

25087.77

No Escrow

197.74

3340325.29

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.625

13597.92

17403.63

16892.71

XXXX

Fixed

240

360

XXXX

Yes

120

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

None

Non-QM: Lender documented all ATR UW factors

350.0

35000

392

0.034191516592448436

3.50

XXXX

Manual Underwriting

XXXX

xxxxxx7757

XXXX

US Citizen

false

XXXX

686

658

692

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

No Escrow

17.38

86066.52

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

8.875

3514.76

4952.76

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

86066.52

7091.5599999999995

201

XXXX

Manual Underwriting

XXXX

xxxxxx1003

XXXX

US Citizen

Yes

false

XXXX

750

756

XXXX

ALT DOC

Primary Residence

Purchase

32.18

34.66

13365.27

.00

13365.27

Employed

5.85

8733.11

4632.16

No Escrow

37.44

161032.84

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.375

3552.83

4301.16

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

11665

0.1442672255195252

4.00

XXXX

Manual Underwriting

XXXX

xxxxxx8948

XXXX

US Citizen

false

XXXX

674

642

674

691

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

103.21

144332.65

XXXX

59.23

XXXX

DSCR

Fixed

XXXX

8.25

1156.95

241.51

1398.46

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

144332.65

4505.0

454

20.00

XXXX

Manual Underwriting

XXXX

xxxxxx7468

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

685

676

687

685

XXXX

ALT DOC

Investment

Purchase

2.82

7.62

113172.00

.00

113172.00

Employed

6.52

104543.93

8628.07

Taxes and Insurance

77.04

247313.51

XXXX

69.94

XXXX

Conventional

Fixed

XXXX

7.999

2865.81

344.54

3210.35

XXXX

Fixed

360

XXXX

6 Months Interest

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

10763.75

31639

250

0.06578291637595933

0.25

XXXX

Manual Underwriting

XXXX

xxxxxx8106

XXXX

US Citizen

false

XXXX

737

703

737

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

122.6

650402.58

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

8.0

4480

825.27

5305.27

XXXX

Fixed

240

360

XXXX

Yes

120

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

214972.34

5607.5

166

XXXX

Manual Underwriting

XXXX

xxxxxx0826

XXXX

US Citizen

Yes

true

XXXX

726

733

704

XXXX

ALT DOC

Primary Residence

Purchase

11.78

12.54

39286.00

.00

39286.00

Employed

3.29

3 YRS

34360.26

4925.74

Taxes and Insurance

37.49

173443.8

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

8.25

4022.36

573.58

4626.74

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

17878.15

25500

248

0.3095466666666667

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx6708

XXXX

US Citizen

Yes

false

XXXX

762

752

763

XXXX

US Citizen

Yes

false

XXXX

801

802

736

XXXX

ALT DOC

Second Home

Purchase

7.69

29.6

22246.60

22248.60

.00

44495.20

Employed

3.2

31325.46

13169.74

Taxes and Insurance

8.02

42016.11

XXXX

85.0

XXXX

Conventional

Fixed

XXXX

8.25

4463.65

754.59

5240.74

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

None

Non-QM: Lender documented all ATR UW factors

10380.47

23515

243

0.4281025063890647

2.67

XXXX

Manual Underwriting

XXXX

xxxxxx0325

XXXX

US Citizen

Yes

false

XXXX

712

702

712

722

XXXX

US Citizen

Yes

false

XXXX

697

683

706

697

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

26.59

44.76

15296.13

4694.31

.00

19990.44

Employed

15.87

6.48

Yes

11043.51

8946.93

No Escrow

46.66

248044.7

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.875

4335.19

5316.31

XXXX

Fixed

480

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

248044.7

350.0

72889

234

0.6741143971400715

14.33

XXXX

Manual Underwriting

XXXX

xxxxxx0981

XXXX

US Citizen

Yes

false

XXXX

722

705

749

XXXX

US Citizen

Yes

false

XXXX

737

722

737

756

XXXX

ALT DOC

Primary Residence

Purchase

15.51

42.79

41430.00

.00

82860.00

Employed

3.54

2 YRS

47400.51

35459.49

Taxes and Insurance

47.16

606281.35

XXXX

78.95

XXXX

Conventional

Fixed

XXXX

7.625

10616.91

2237.83

12854.74

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

34600

188

0.1359972128423648

XXXX

Manual Underwriting

XXXX

xxxxxx7823

XXXX

US Citizen

false

XXXX

759

777

754

XXXX

US Citizen

Yes

false

XXXX

741

781

741

670

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

30.42

30.73

.00

30000.00

.00

30000.00

Not Employed

Employed

6.99

Yes

20781.94

9218.06

Taxes and Insurance

13.58

123913.21

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.375

7846.07

1235.99

9127.06

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

102688.78

7380.0

24400

208

0.3166319444444444

1.50

XXXX

Manual Underwriting

XXXX

xxxxxx6556

XXXX

US Citizen

false

XXXX

725

700

755

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

4910

Taxes and Insurance

38.34

108512.96

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

8.0

2338.87

491.28

2830.14

XXXX

Fixed

360

XXXX

5%, 5%

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

108512.96

350.01

210

XXXX

Manual Underwriting

XXXX

xxxxxx1521

XXXX

US Citizen

Yes

false

XXXX

774

782

752

XXXX

ALT DOC

Primary Residence

Purchase

18.21

27.03

42597.11

.00

42597.11

Employed

4.21

Yes

31083.54

11513.57

Taxes and Insurance

6.96

53973.02

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

8.625

6510.1

1245.22

7755.32

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1421.36

9800

132

0.014657534246575343

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx1406

XXXX

US Citizen

Yes

false

XXXX

680

686

680

672

XXXX

ALT DOC

Primary Residence

Purchase

7.22

16.56

30498.62

.00

30498.62

Employed

2.95

Yes

25448.4

5050.22

Taxes and Insurance

43.95

96747

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.875

1711.16

490.06

2201.22

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

670.96

29059

218

0.3343829171190735

XXXX

Manual Underwriting

XXXX

xxxxxx6562

XXXX

US Citizen

false

XXXX

725

700

755

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

119.76

313327.52

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

8.0

2311.36

471.11

2616.22

XXXX

Fixed

360

XXXX

5%, 5%

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

104853.62

340.96

173

XXXX

Manual Underwriting

XXXX

xxxxxx1104

XXXX

US Citizen

false

XXXX

667

700

666

667

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

43.21

65093.63

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

7.5

1022.6

483.88

1506.48

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

4529.42

209

XXXX

Manual Underwriting

XXXX

xxxxxx6563

XXXX

US Citizen

false

XXXX

725

700

755

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

111.99

298129.02

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

8.0

2206.8

455.38

2662.18

XXXX

Fixed

360

XXXX

5%, 5%

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

298129.02

690.96

210

XXXX

Manual Underwriting

XXXX

xxxxxx0469

XXXX

US Citizen

false

XXXX

739

733

795

739

XXXX

ALT DOC

Primary Residence

Purchase

37.69

47.3

5675.58

.00

5675.58

Not Employed

2991.04

2684.54

Taxes and Insurance

16.55

35396.36

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.875

1734.37

404.75

2139.12

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

14500

360

5.00

XXXX

Manual Underwriting

XXXX

xxxxxx0483

XXXX

US Citizen

Yes

false

XXXX

755

774

737

755

XXXX

ALT DOC

Primary Residence

Purchase

18.28

34.64

59493.60

.00

59493.60

Employed

2.01

38885.99

20607.61

No Escrow

36.35

395239.13

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.375

8564.37

10873.56

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

139116

140

0.01204460966542751

3.50

XXXX

Manual Underwriting

XXXX

xxxxxx9094

XXXX

US Citizen

Yes

false

XXXX

796

804

788

796

XXXX

ALT DOC

Primary Residence

Purchase

22.26

27.56

12592.58

.00

12592.58

Employed

2.13

9122.12

3470.46

Taxes and Insurance

14.43

40467.49

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.75

2257.12

504.67

2803.46

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

10652

113

0.12460227272727273

2.50

XXXX

Manual Underwriting

XXXX

xxxxxx0580

XXXX

US Citizen

Yes

false

XXXX

670

668

670

678

XXXX

ALT DOC

Second Home

Refinance

Cash Out - Other

19.19

49.74

22591.87

.00

22591.87

Employed

10.89

11354.28

11237.59

Taxes and Insurance

5.53

17691.66

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

8.375

2926.28

275.33

3201.61

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

93658.32

1906.25

120000

314

0.45404428377767736

19.00

XXXX

Manual Underwriting

XXXX

xxxxxx0023

XXXX

US Citizen

Yes

false

XXXX

694

701

683

XXXX

ALT DOC

Primary Residence

Purchase

5.89

34.47

58225.83

.00

58225.83

Employed

6.97

Yes

38156.82

20069.01

Taxes and Insurance

8.92

30616.82

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.625

2785.88

646

3431.88

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4050.31

21500

114

0.060639204545454545

2.75

XXXX

Manual Underwriting

XXXX

xxxxxx9404

XXXX

US Citizen

false

XXXX

820

813

826

820

XXXX

US Citizen

false

XXXX

809

810

809

XXXX

Full Doc

Investment

Purchase

6.92

30.51

55332.05

.00

55332.05

Employed

Not Employed

10.02

Yes

38451.79

16880.26

No Escrow

512.26

3910729.68

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

6.999

6048.98

7634.26

XXXX

Fixed

360

XXXX

6 months interest on amount that exceeds 20%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

1895.0

70000

374

0.07432258064516128

25.67

XXXX

Manual Underwriting

XXXX

xxxxxx9323

XXXX

US Citizen

Yes

false

XXXX

736

722

740

XXXX

ALT DOC

Primary Residence

Purchase

9.83

38.3

52264.44

.00

52264.44

Employed

14.22

32248.01

20016.43

Taxes and Insurance

25.28

302631.57

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

6.499

3981.61

1158.5

5140.11

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

3095.0

39576

133

0.2328930817610063

4.00

XXXX

Manual Underwriting

XXXX

xxxxxx7746

XXXX

US Citizen

Yes

false

XXXX

727

719

745

XXXX

ALT DOC

Investment

Purchase

6.84

41.74

224167.27

.00

224167.27

Employed

4.32

130610.16

93557.11

No Escrow

43.06

514262.4

XXXX

65.82

XXXX

Conventional

Fixed

XXXX

6.999

9370.21

11941.77

XXXX

Fixed

360

XXXX

6 months interest on amount that exceeds 20%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

23057.84

50200

296

0.7985274869109947

10.67

XXXX

Manual Underwriting

XXXX

xxxxxx9305

XXXX

US Citizen

false

XXXX

768

697

787

768

XXXX

ALT DOC

Primary Residence

Purchase

29.38

47.78

18940.45

.00

18940.45

Not Employed

9891.18

9049.27

Taxes and Insurance

241.72

1344984.31

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.999

4230.9

668.3

5564.2

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

2700

241

0.002837370242214533

5.75

XXXX

Manual Underwriting

XXXX

xxxxxx9634

XXXX

US Citizen

Yes

false

XXXX

788

797

767

XXXX

US Citizen

false

XXXX

791

793

773

791

XXXX

ALT DOC

Primary Residence

Purchase

28.67

35.32

16292.23

.00

16292.23

Employed

Not Employed

2.81

10537.34

5754.89

Taxes and Insurance

26.42

123405.01

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.75

3735.93

872.46

4670.89

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

32000

163

0.17622857142857143

4.08

XXXX

Manual Underwriting

XXXX

xxxxxx7067

XXXX

US Citizen

true

XXXX

715

744

683

715

XXXX

ALT DOC

Primary Residence

Purchase

33.76

34.89

4863.11

.00

4863.11

Not Employed

3166.15

1696.96

Taxes and Insurance

182.63

299869.4

XXXX

60.0

XXXX

Conventional

Fixed

XXXX

6.499

1107.27

451.36

1641.96

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

6375.0

411

0.5333333333333333

0.58

XXXX

Manual Underwriting

XXXX

xxxxxx9293

XXXX

US Citizen

Yes

true

XXXX

728

699

728

733

XXXX

ALT DOC

Primary Residence

Purchase

32.06

39.23

13518.75

.00

13518.75

Employed

3.2

8214.71

5304.04

Taxes and Insurance

21.54

93334.04

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.75

3192.33

685.71

4334.04

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

7764.0

12949

0.045159474671669794

3.42

XXXX

Manual Underwriting

XXXX

xxxxxx8431

XXXX

US Citizen

false

XXXX

681

706

681

XXXX

US Citizen

Yes

false

XXXX

653

683

641

XXXX

ALT DOC

Primary Residence

Purchase

2.03

4.59

.00

505665.29

.00

505665.29

Not Employed

Employed

10.22

482465.32

23199.97

No Escrow

126.98

1249050.11

XXXX

62.21

XXXX

Conventional

Fixed

XXXX

7.999

7850.54

10266.54

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

3332.5

76961

269

0.266000066000066

XXXX

Manual Underwriting

XXXX

xxxxxx8123

XXXX

US Citizen

Yes

false

XXXX

676

755

657

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

24.79

30.68

24398.27

.00

24398.27

Employed

21.15

16912.63

7485.64

No Escrow

5.63

34070.03

XXXX

68.17

XXXX

Conventional

Fixed

XXXX

7.375

3945.7

6048.64

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

3880.23

31145

121

0.06277686368814074

0.83

XXXX

Manual Underwriting

XXXX

xxxxxx8707

XXXX

US Citizen

false

XXXX

813

810

813

XXXX

ALT DOC

Investment

Refinance

Cash Out - Other

9.47

42.45

24979.00

.00

24979.00

Not Employed

14375.39

10603.61

Taxes and Insurance

64.83

481470.89

XXXX

47.06

XXXX

Conventional

Fixed

XXXX

7.625

5662.35

1514.79

7427.14

XXXX

Fixed

360

XXXX

6 months interest on amount that exceeds 20%

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

Yes

XXXX

None

ATR/QM: Exempt

481470.89

2540.0

31000

461

0.010058823529411764

3.58

XXXX

Manual Underwriting

XXXX

xxxxxx9578

XXXX

US Citizen

Yes

true

XXXX

791

781

806

XXXX

ALT DOC

Primary Residence

Purchase

19.95

20.67

35567.52

.00

35567.52

Employed

5.49

28217.37

7350.15

Taxes and Insurance

138.29

981030.67

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.499

5308.82

1692.08

7094.15

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2990.0

25300

496

0.11544280442804428

5.00

XXXX

Manual Underwriting

XXXX

xxxxxx8494

XXXX

US Citizen

false

XXXX

706

718

674

XXXX

Full Doc

Primary Residence

Purchase

45.46

46.01

4538.74

.00

4538.74

Not Employed

Yes

2450.59

2088.15

Taxes and Insurance

33.42

68944.93

XXXX

55.56

XXXX

Conventional

Fixed

XXXX

7.625

1769.48

293.67

2063.15

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

3245.0

10000

352

0.04747826086956522

7.00

XXXX

Manual Underwriting

XXXX

xxxxxx1028

XXXX

US Citizen

false

XXXX

760

761

760

738

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

113.43

251639.3

XXXX

63.94

XXXX

DSCR

Fixed

XXXX

6.625

1678.58

539.93

2218.51

XXXX

Fixed

360

XXXX

5%, 4%, 3%, 2%, 1%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

247146.19

0.0

299

XXXX

Manual Underwriting

XXXX

xxxxxx8288

XXXX

US Citizen

Yes

false

XXXX

772

778

772

768

XXXX

Permanent Non-US Citizen

false

XXXX

773

776

756

773

XXXX

ALT DOC

Primary Residence

Purchase

21.74

41.62

33083.75

12083.34

.00

45167.09

Employed

6.21

6.11

Yes

26366.29

18800.8

Taxes and Insurance

18.85

467189.87

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.875

8750.29

1070.51

9820.8

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

25000

160

0.1392563977180114

2.00

XXXX

Manual Underwriting

XXXX

xxxxxx8438

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

805

803

812

XXXX

ALT DOC

Primary Residence

Purchase

44.4

44.83

5759.50

.00

5759.50

Employed

5.19

3177.49

2582.01

Taxes and Insurance

49.04

125396.11

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.999

2022.32

536.85

2557.01

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

12500

0.0376

10.00

XXXX

Manual Underwriting

XXXX

xxxxxx9934

XXXX

US Citizen

Yes

false

XXXX

691

692

670

XXXX

US Citizen

false

XXXX

688

739

735

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

19.96

30.91

13656.53

3912.23

.00

17568.76

Employed

1.82

12.22

Yes

12138.49

5430.27

Taxes and Insurance

17.48

61295.06

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.999

2975.87

530.41

3506.27

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

46165.49

9145.8

201472

197

0.9947033054559936

3.25

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx8312

XXXX

US Citizen

Yes

true

XXXX

692

674

692

717

XXXX

ALT DOC

Primary Residence

Purchase

6.1

7.4

33954.00

.00

33954.00

Employed

2.5

31441.55

2512.45

Taxes and Insurance

41.17

85319.67

XXXX

62.26

XXXX

Conventional

Fixed

XXXX

6.499

1564.21

508.25

2072.45

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

2304.38

18124

0.47792245936949285

2.50

XXXX

Manual Underwriting

XXXX

xxxxxx9379

XXXX

US Citizen

Yes

true

XXXX

786

793

786

XXXX

ALT DOC

Primary Residence

Purchase

27.35

28.13

17451.00

.00

17451.00

Employed

12542.83

4908.17

Taxes and Insurance

24.22

115569.1

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.75

3891.59

880.58

4772.17

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

29900

254

0.005531019978969506

11.00

XXXX

Manual Underwriting

XXXX

xxxxxx9893

XXXX

US Citizen

Yes

true

XXXX

794

796

777

XXXX

ALT DOC

Primary Residence

Purchase

14.72

16.92

35448.33

.00

35448.33

Employed

31.83

29450.31

5998.02

Taxes and Insurance

9.98

52044.76

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.375

4172.44

1044.58

5217.02

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

5339.0

29551

187

0.003833333333333333

7.00

XXXX

Manual Underwriting

XXXX

xxxxxx9223

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

790

766

792

XXXX

ALT DOC

Primary Residence

Purchase

42.7

44.45

9849.75

.00

9849.75

Employed

4.0

5471.63

4378.12

No Escrow

13.78

57978.89

XXXX

79.6

XXXX

Conventional

Fixed

XXXX

6.375

3244.12

4206.12

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4595.0

60000

108

0.1053286868992958

1.00

XXXX

Manual Underwriting

XXXX

xxxxxx9385

XXXX

US Citizen

Yes

false

XXXX

650

644

650

665

XXXX

ALT DOC

Primary Residence

Purchase

21.1

39.69

9548.00

.00

9548.00

Employed

6.74

5758.74

3789.26

Taxes and Insurance

22.67

45666.43

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

8.875

1782.24

230.95

2014.44

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

3395.0

10000

156

0.5296901408450704

4.00

XXXX

Manual Underwriting

Yes

XXXX

xxxxxx9814

XXXX

US Citizen

Yes

false

XXXX

707

705

798

707

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

5.48

11.52

48576.79

.00

48576.79

Employed

39.17

42981.22

5595.57

Taxes and Insurance

45.81

121850.55

XXXX

46.72

XXXX

Conventional

Fixed

XXXX

6.75

2075.51

329.32

2659.83

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

50354.95

4920.0

16200

395

0.023468468468468468

35.00

XXXX

Manual Underwriting

XXXX

xxxxxx8880

XXXX

US Citizen

Yes

false

XXXX

672

681

656

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

7.94

10.65

72542.83

.00

72542.83

Employed

2.44

Yes

64813.73

7729.1

No Escrow

0.73

4178.53

XXXX

70.93

XXXX

Conventional

Fixed

XXXX

7.875

4834.04

5761.51

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

4178.53

1995.0

70877

122

0.04681638044914135

2.42

XXXX

Manual Underwriting

XXXX

xxxxxx6054

XXXX

US Citizen

Yes

false

XXXX

792

791

793

XXXX

ALT DOC

Primary Residence

Purchase

32.79

43.66

44807.14

.00

44807.14

Employed

9.44

25242.3

19564.84

Taxes and Insurance

30.68

450786.5

XXXX

79.99

XXXX

Conventional

Fixed

XXXX

6.875

11784.66

2592.17

14693.84

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

33900

208

0.024253611556982344

4.00

XXXX

Manual Underwriting

XXXX

xxxxxx9014

XXXX

US Citizen

false

XXXX

804

809

791

XXXX

Full Doc

Second Home

Purchase

32.15

25987.55

.00

25987.55

Employed

2.16

Yes

17632.54

8355.01

Taxes and Insurance

29.73

210182.98

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.25

4929.46

966.85

7070.31

XXXX

Fixed

180

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2790.0

11000

101

0.02403973509933775

3.67

XXXX

Manual Underwriting

XXXX

xxxxxx0906

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

751

781

735

XXXX

ALT DOC

Primary Residence

Purchase

13.73

27.61

38155.97

.00

38155.97

Employed

15.42

27620.31

10535.66

Taxes and Insurance

13.75

72002.36

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.499

4080.91

1106.75

5237.66

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2802.14

39269

167

0.14691083980762115

XXXX

Manual Underwriting

XXXX

xxxxxx8142

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

700

694

711

XXXX

ALT DOC

Primary Residence

Purchase

18.92

41.71

17486.63

.00

17486.63

Employed

13.85

10192.4

7294.23

Taxes and Insurance

11.07

36646.32

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.375

2175.63

526.29

3308.92

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4576.25

26445

358

0.3267783251231527

4.00

XXXX

Manual Underwriting

XXXX

xxxxxx9406

XXXX

US Citizen

Yes

false

XXXX

783

789

783

735

XXXX

US Citizen

false

XXXX

712

731

712

700

XXXX

ALT DOC

Primary Residence

Purchase

28.06

31.62

17306.17

.00

17306.17

Employed

Not Employed

11.65

11834.21

5471.96

Taxes and Insurance

26.11

126800.21

XXXX

50.0

XXXX

Conventional

Fixed

XXXX

6.375

3431.28

1234.03

4855.64

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

16000

161

0.004668769716088328

2.00

XXXX

Manual Underwriting

XXXX

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

xxxxxx0474

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/08/2024

6.120%

Manual Underwriting

8.072%

7.750%

$4,011.91

$6,841.08

$570.09

$1,137.96

$94.83

$0.00

$4,676.83

$17,528.08

N/A

XXXX

$0.00

XXXX

22.89%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2023

Borrower - 2024, 2023

XXXX

xxxxxx0849

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,191.41

$3,747.36

$312.28

$976.68

$81.39

$0.00

$2,585.08

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

Stocks/Bonds

N/A

Yes

1.068

N/A

Borrower

XXXX

xxxxxx8670

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/04/2024

6.100%

Manual Underwriting

10.208%

9.625%

$1,912.48

$5,057.64

$421.47

$1,083.96

$90.33

$0.00

$2,424.28

$10,898.16

N/A

XXXX

$0.00

XXXX

43.72%

31.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx6381

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

09/28/2024

6.040%

Manual Underwriting

8.100%

7.750%

$2,303.98

$1,920.12

$160.01

$4,770.00

$397.50

$0.00

$2,861.49

$3,939.58

N/A

XXXX

$0.00

XXXX

42.07%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx9417

XXXX

ATR/QM: Exempt

Yes

N/A

10/01/2024

6.100%

Manual Underwriting

7.200%

7.000%

$3,326.51

$507.96

$42.33

$1,499.04

$124.92

$0.00

$3,493.76

$29,766.37

N/A

XXXX

$0.00

XXXX

27.50%

20.81%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx8514

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.990%

$3,342.79

$6,432.96

$536.08

$4,839.96

$403.33

$0.00

$4,282.20

$6,224.73

N/A

XXXX

$0.00

XXXX

72.89%

45.59%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx0898

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/18/2024

6.360%

Manual Underwriting

10.277%

9.990%

$5,800.25

$3,019.44

$251.62

$2,844.00

$237.00

$0.00

$6,288.87

$49,272.94

N/A

XXXX

$0.00

XXXX

17.77%

17.76%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

0.0

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx2274

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.750%

$2,140.37

$3,890.76

$324.23

$2,318.04

$193.17

$0.00

$2,657.77

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.044

N/A

Borrower

XXXX

xxxxxx1097

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.990%

$2,982.48

$4,713.96

$392.83

$1,268.04

$105.67

$435.96

$36.33

$0.00

$3,517.31

N/A

XXXX

$36.33

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

0.768

0.75

N/A

Borrower

XXXX

xxxxxx7215

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

11/26/2024

6.880%

Manual Underwriting

7.575%

7.250%

$2,791.81

$5,975.04

$497.92

$1,237.32

$103.11

$924.96

$77.08

$0.00

$3,469.92

$5,137.68

N/A

XXXX

$77.08

XXXX

Annually

49.51%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2023, 2024 || Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024 || Co Borrower - 2023, 2024

XXXX

xxxxxx5822

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/03/2025

6.920%

Manual Underwriting

6.885%

6.875%

$7,863.44

$16,140.84

$1,345.07

$2,993.04

$249.42

$1,249.68

$104.14

$0.00

$9,562.07

$34,088.33

N/A

XXXX

$104.14

XXXX

Monthly

22.81%

Employed

2YR Full Doc

2 YRS W2

N/A

Yes

N/A

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Yes

139

Other

N/A

Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower

Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower

XXXX

xxxxxx7850

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/11/2025

6.870%

Manual Underwriting

6.940%

6.875%

$6,700.67

$11,707.20

$975.60

$2,994.00

$249.50

$0.00

$7,925.77

N/A

XXXX

$0.00

XXXX

0.00%

Not Employed

Asset Utilization (No DTI)

N/A

Yes

N/A

0.00%

N/A

Borrower - N/A - Executed 4506T Verified || Co Borrower - N/A - Executed 4506T Verified

Borrower - Executed 4506T Verified || Co Borrower - Executed 4506T Verified

XXXX

xxxxxx8533

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.499%

$3,277.25

$5,102.16

$425.18

$3,147.96

$262.33

$0.00

$3,964.76

$10,259.88

N/A

XXXX

$0.00

XXXX

42.57%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

97.10%

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024

Borrower - 2024 - 2024

XXXX

xxxxxx9587

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$1,250.74

$1,140.36

$95.03

$1,062.00

$88.50

$4,104.00

$342.00

$0.00

$1,776.27

N/A

XXXX

$342.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.013

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx9712

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

9.250%

$1,302.71

$4,415.88

$367.99

$1,643.64

$136.97

$300.00

$25.00

$0.00

$1,832.67

N/A

XXXX

$25.00

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.037

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx0498

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/27/2025

6.850%

Manual Underwriting

8.189%

7.875%

7.858%

$4,283.35

$7,659.12

$638.26

$2,903.04

$241.92

$0.00

$5,163.53

$110,983.00

N/A

XXXX

$0.00

XXXX

7.38%

7.37%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Proceeds from Sale

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx9782

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.625%

$3,538.94

$8,828.04

$735.67

$3,604.56

$300.38

$0.00

$4,574.99

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.454

1.45

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx0101

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,152.56

$3,036.36

$253.03

$1,068.12

$89.01

$0.00

$1,494.60

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx0897

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/27/2025

6.850%

Manual Underwriting

8.627%

8.375%

$13,890.32

$8,178.72

$681.56

$8,483.88

$706.99

$0.00

$15,278.87

$632,740.48

N/A

XXXX

$0.00

XXXX

3.45%

3.47%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

49.00%

Stocks/Bonds

N/A

Yes

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx1498

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/25/2025

6.850%

Manual Underwriting

9.807%

9.625%

$5,377.88

$1,729.92

$144.16

$1,583.04

$131.92

$0.00

$5,653.96

$21,100.05

N/A

XXXX

$0.00

XXXX

26.23%

Self-Employed

1099 Verified

1 YR 1099

N/A

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx0284

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.125%

$2,243.48

$992.04

$82.67

$926.16

$77.18

$0.00

$2,403.33

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.01

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx1164

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.625%

$1,061.69

$2,361.96

$196.83

$500.04

$41.67

$5,400.00

$450.00

$0.00

$1,750.19

Yes

XXXX

$450.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.571

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

xxxxxx8898

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/05/2025

6.920%

Manual Underwriting

7.840%

7.500%

$1,594.21

$4,454.64

$371.22

$1,570.68

$130.89

$720.00

$60.00

$0.00

$2,156.32

$42,706.68

N/A

XXXX

$60.00

XXXX

Monthly

9.27%

8.66%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 || Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx8079

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.125%

$971.50

$3,007.56

$250.63

$1,756.92

$146.41

$2,400.00

$200.00

$0.00

$1,568.54

Yes

XXXX

$200.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.084

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx1475

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,033.08

$3,744.48

$312.04

$1,243.68

$103.64

$0.00

$1,448.76

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.035

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx1434

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/28/2025

6.850%

Manual Underwriting

8.924%

8.500%

$7,508.44

$13,599.96

$1,133.33

$6,641.04

$553.42

$0.00

$9,195.19

$75,637.55

N/A

XXXX

$0.00

XXXX

14.02%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9838

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/12/2025

6.870%

Manual Underwriting

7.498%

7.375%

$3,108.04

$9,168.00

$764.00

$1,345.92

$112.16

$1,044.00

$87.00

$0.00

$4,071.20

$6,008.79

N/A

XXXX

$87.00

XXXX

Annually

48.73%

48.54%

Not Employed

Asset Utilization (DTI)

N/A

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx7346

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/12/2025

6.870%

Manual Underwriting

7.886%

7.625%

$5,251.83

$6,108.84

$509.07

$4,203.96

$350.33

$0.00

$6,111.23

$17,940.40

N/A

XXXX

$0.00

XXXX

28.39%

Self-Employed

Employed

12 Month Bank Statement

1 YR W2

1 Month

N/A

Yes

66.73%

100.00%

0.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 || Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified - 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx0333

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/13/2025

6.870%

Manual Underwriting

7.597%

7.375%

$3,950.66

$8,937.48

$744.79

$825.00

$68.75

$2,868.00

$239.00

$0.00

$5,003.20

$8,385.81

Yes

XXXX

$239.00

XXXX

Monthly

46.05%

Self-Employed

Employed

12 Month Bank Statement

1 YR 1099

2+ Months

N/A

Yes

65.99%

100.00%

0.00%

Stocks/Bonds

N/A

Yes

Work Number

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 || Co Borrower - Wage - 1 YR 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx6695

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

01/30/2025

6.930%

Manual Underwriting

8.711%

8.625%

$6,969.00

$22,541.88

$1,878.49

$5,007.96

$417.33

$2,028.00

$169.00

$0.00

$9,433.82

$14,344.15

N/A

XXXX

$169.00

XXXX

Annually

38.76%

41.06%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9583

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/10/2025

6.870%

Manual Underwriting

7.313%

7.250%

$10,300.86

$20,307.48

$1,692.29

$5,304.00

$442.00

$876.00

$73.00

$0.00

$12,508.15

$135,145.62

N/A

XXXX

$73.00

XXXX

Monthly

8.54%

8.58%

Self-Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

100.00%

Borrower Prepared

Borrower

N/A

Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024

XXXX

xxxxxx1462

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.625%

$5,980.15

$15,760.20

$1,313.35

$2,592.96

$216.08

$1,983.00

$165.25

$0.00

$7,674.83

$361,044.37

N/A

XXXX

$165.25

XXXX

Annually

33.65%

32.59%

Yes

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower

Borrower - Executed 4506T Verified - 2024, 2025 || Co Borrower

XXXX

xxxxxx1846

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/25/2025

6.850%

Manual Underwriting

7.804%

7.625%

$2,151.69

$7,872.00

$656.00

$393.00

$32.75

$6,540.00

$545.00

$0.00

$3,385.44

$72,470.80

Yes

XXXX

$545.00

XXXX

Monthly

5.76%

5.64%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx9629

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$2,720.11

$3,430.68

$285.89

$819.96

$68.33

$0.00

$3,074.33

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.064

1.052

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx7563

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

8.499%

$1,153.26

$9,000.72

$750.06

$1,122.00

$93.50

$699.00

$58.25

$0.00

$2,055.07

$23,963.95

N/A

XXXX

$58.25

XXXX

Annually

37.55%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1813

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$3,954.71

$9,542.64

$795.22

$1,778.04

$148.17

$12,684.00

$1,057.00

$0.00

$5,955.10

Yes

XXXX

$1,057.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.437

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx9930

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/13/2025

6.870%

Manual Underwriting

7.719%

7.625%

$5,977.32

$10,650.84

$887.57

$3,852.00

$321.00

$0.00

$7,185.89

$16,413.11

N/A

XXXX

$0.00

XXXX

35.83%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx0331

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/14/2025

6.870%

Manual Underwriting

7.737%

7.625%

$17,403.63

$33,437.52

$2,786.46

$2,535.96

$211.33

$3,564.00

$297.00

$0.00

$20,698.42

$29,580.21

N/A

XXXX

$297.00

XXXX

Monthly

45.38%

45.89%

Not Employed

Asset Utilization (DTI)

N/A

60.0

Yes

N/A

0.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified || Co Borrower

Borrower - Executed 4506T Verified || Co Borrower

XXXX

xxxxxx7757

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.875%

$3,514.76

$11,171.04

$930.92

$6,084.96

$507.08

$0.00

$4,952.76

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.06

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx1003

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/26/2025

6.850%

Manual Underwriting

7.674%

7.375%

$3,552.83

$7,793.16

$649.43

$1,186.80

$98.90

$0.00

$4,301.16

$8,733.11

N/A

XXXX

$0.00

XXXX

35.16%

34.66%

Self-Employed

12 Month Bank Statement

N/A

Yes

98.57%

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024

Borrower - 2024 - 2024

XXXX

xxxxxx8948

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

8.250%

$1,156.95

$1,608.12

$134.01

$1,290.00

$107.50

$0.00

$1,398.46

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.144

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx7468

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.999%

$2,865.81

$2,612.52

$217.71

$1,521.96

$126.83

$0.00

$3,210.35

$104,543.93

N/A

XXXX

$0.00

XXXX

7.62%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx8106

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.000%

$4,480.00

$9,164.28

$763.69

$738.96

$61.58

$0.00

$5,305.27

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.112

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx0826

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/06/2025

6.730%

Manual Underwriting

8.683%

8.250%

$4,022.36

$5,169.60

$430.80

$1,722.96

$143.58

$360.00

$30.00

$0.00

$4,626.74

$34,360.26

N/A

XXXX

$30.00

XXXX

Annually

12.54%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx6708

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/12/2025

6.870%

Manual Underwriting

8.512%

8.250%

$4,463.65

$6,767.04

$563.92

$2,288.04

$190.67

$270.00

$22.50

$0.00

$5,240.74

$31,325.46

N/A

XXXX

$22.50

XXXX

Annually

29.60%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

Stocks/Bonds

N/A

Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 || Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx0325

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/27/2025

6.850%

Manual Underwriting

7.935%

7.875%

$4,335.19

$8,127.84

$677.32

$3,315.60

$276.30

$330.00

$27.50

$0.00

$5,316.31

$11,043.51

N/A

XXXX

$27.50

XXXX

Annually

44.91%

44.76%

Self-Employed

12 Month Bank Statement

1 YR 1099

N/A

Yes

N/A

76.52%

100.00%

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower - SESoleProprietor - 1 YR 1099 Verified, Executed 4506T Verified - 2024 - 2024

Borrower - Executed 4506T Verified - 2024, 2025 || Co Borrower - Executed 4506T Verified - 2024 - 2024

XXXX

xxxxxx0981

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/20/2025

6.880%

Manual Underwriting

7.718%

7.625%

$10,616.91

$23,750.04

$1,979.17

$3,103.92

$258.66

$0.00

$12,854.74

$47,400.51

N/A

XXXX

$0.00

XXXX

42.79%

Self-Employed

12 Month Bank Statement

N/A

Yes

Missing

Yes

100.00%

49.00%

51.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx7823

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/06/2025

6.730%

Manual Underwriting

7.475%

7.375%

$7,846.07

$12,971.76

$1,080.98

$1,860.12

$155.01

$540.00

$45.00

$0.00

$9,127.06

$20,781.94

N/A

XXXX

$45.00

XXXX

Annually

30.73%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - Executed 4506T Verified || Co Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023

Borrower - Executed 4506T Verified || Co Borrower - Executed 4506T Verified - 2024, 2023

XXXX

xxxxxx6556

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$4,902.38

8.000%

$2,338.87

$4,285.20

$357.10

$1,610.04

$134.17

$0.00

$2,830.14

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.237

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx1521

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/21/2025

6.880%

Manual Underwriting

8.731%

8.625%

$6,510.10

$10,231.56

$852.63

$4,711.08

$392.59

$0.00

$7,755.32

$31,083.54

N/A

XXXX

$0.00

XXXX

27.03%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx1406

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/20/2025

6.880%

Manual Underwriting

8.136%

7.875%

$1,711.16

$3,733.68

$311.14

$2,147.04

$178.92

$0.00

$2,201.22

$25,448.40

N/A

XXXX

$0.00

XXXX

16.63%

16.56%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Proceeds from Sale

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - 2024 - 2024

Borrower - Executed 4506T Verified - 2024 - 2024

XXXX

xxxxxx6562

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.000%

$2,311.36

$2,290.32

$190.86

$1,368.00

$114.00

$0.00

$2,616.22

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.3

1.299

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx1104

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$1,022.60

$4,994.52

$416.21

$812.04

$67.67

$0.00

$1,506.48

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.527

1.52

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx6563

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.000%

$2,206.80

$3,868.56

$322.38

$1,596.00

$133.00

$0.00

$2,662.18

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.127

1.122

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx0469

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/18/2025

6.880%

Manual Underwriting

8.271%

7.875%

$1,734.37

$3,156.96

$263.08

$1,700.04

$141.67

$0.00

$2,139.12

$2,991.04

N/A

XXXX

$0.00

XXXX

47.30%

Not Employed

Asset Utilization (DTI)

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx0483

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/18/2025

6.880%

Manual Underwriting

7.448%

7.375%

$8,564.37

$23,862.24

$1,988.52

$3,848.04

$320.67

$0.00

$10,873.56

$38,885.99

N/A

XXXX

$0.00

XXXX

32.11%

34.64%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

80.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9094

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/07/2025

6.730%

Manual Underwriting

7.046%

6.750%

$2,257.12

$4,606.08

$383.84

$1,449.96

$120.83

$500.04

$41.67

$0.00

$2,803.46

$9,122.12

N/A

XXXX

$41.67

XXXX

Annually

27.56%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024

Borrower - 2025, 2024

XXXX

xxxxxx0580

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/18/2025

6.880%

Manual Underwriting

8.490%

8.375%

$2,926.28

$795.00

$66.25

$2,508.96

$209.08

$0.00

$3,201.61

$11,354.28

N/A

XXXX

$0.00

XXXX

49.74%

Yes

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor - 1 YR 1099 Verified - 2024 - 2024

Borrower - 2024 - 2024

XXXX

xxxxxx0023

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/28/2025

6.850%

Manual Underwriting

7.796%

7.625%

$2,785.88

$6,017.04

$501.42

$1,734.96

$144.58

$0.00

$3,431.88

$38,156.82

N/A

XXXX

$0.00

XXXX

34.66%

34.47%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx9404

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.999%

$6,048.98

$16,237.44

$1,353.12

$2,785.92

$232.16

$0.00

$7,634.26

$38,451.79

N/A

XXXX

$0.00

XXXX

30.51%

Yes

Employed

Not Employed

1YR Full Doc

2 YRS W2

1 Month

N/A

Yes

N/A

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 || Co Borrower

Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 || Co Borrower

XXXX

xxxxxx9323

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/06/2025

6.730%

Manual Underwriting

6.588%

6.499%

$3,981.61

$11,250.00

$937.50

$2,652.00

$221.00

$0.00

$5,140.11

$32,248.01

N/A

XXXX

$0.00

XXXX

37.52%

38.30%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Proceeds from Sale

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx7746

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.999%

$9,370.21

$26,750.04

$2,229.17

$4,108.68

$342.39

$0.00

$11,941.77

$130,610.16

N/A

XXXX

$0.00

XXXX

41.74%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Proceeds from Sale

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9305

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/04/2025

6.730%

Manual Underwriting

7.325%

6.999%

$4,230.90

$5,838.84

$486.57

$2,180.76

$181.73

$7,980.00

$665.00

$0.00

$5,564.20

$9,891.18

Yes

XXXX

$665.00

XXXX

Monthly

47.77%

47.78%

Not Employed

Asset Utilization (DTI)

N/A

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9634

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/06/2025

6.730%

Manual Underwriting

7.024%

6.750%

$3,735.93

$6,718.08

$559.84

$3,751.44

$312.62

$750.00

$62.50

$0.00

$4,670.89

$10,537.34

N/A

XXXX

$62.50

XXXX

Annually

34.69%

35.32%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

0.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 || Co Borrower - N/A

Borrower - 2024, 2025 || Co Borrower

XXXX

xxxxxx7067

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/10/2025

6.620%

Manual Underwriting

7.081%

6.499%

$1,107.27

$2,566.32

$213.86

$2,850.00

$237.50

$999.96

$83.33

$0.00

$1,641.96

$3,166.15

N/A

XXXX

$83.33

XXXX

Annually

34.89%

Not Employed

Asset Utilization (DTI)

N/A

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9293

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/04/2025

6.730%

Manual Underwriting

8.047%

7.750%

$3,192.33

$6,962.52

$580.21

$1,266.00

$105.50

$5,472.00

$456.00

$0.00

$4,334.04

$8,214.71

Yes

XXXX

$456.00

XXXX

Monthly

39.21%

39.23%

Self-Employed

1YR Business P&L

N/A

Yes

N/A

0.00%

100.00%

Audited

Tax Preparer

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx8431

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/04/2025

6.730%

Manual Underwriting

8.352%

7.999%

$7,850.54

$21,500.04

$1,791.67

$7,491.96

$624.33

$0.00

$10,266.54

$482,465.32

N/A

XXXX

$0.00

XXXX

4.59%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

Yes

100.00%

0.00%

100.00%

N/A

Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified || Co Borrower - SESoleProprietor - 2024, 2025

Borrower || Co Borrower - 2024, 2025

XXXX

xxxxxx8123

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/17/2025

6.650%

Manual Underwriting

7.759%

7.375%

$3,945.70

$19,469.28

$1,622.44

$2,766.00

$230.50

$3,000.00

$250.00

$0.00

$6,048.64

$16,912.63

N/A

XXXX

$250.00

XXXX

Monthly

30.68%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx8707

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$5,662.35

$9,730.44

$810.87

$8,447.04

$703.92

$3,000.00

$250.00

$0.00

$7,427.14

$14,375.39

N/A

XXXX

$250.00

XXXX

Annually

42.45%

Yes

Not Employed

Asset Utilization (DTI)

N/A

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9578

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/06/2025

6.730%

Manual Underwriting

6.800%

6.499%

$5,308.82

$15,162.96

$1,263.58

$5,751.00

$479.25

$510.00

$42.50

$0.00

$7,094.15

$28,217.37

N/A

XXXX

$42.50

XXXX

Annually

20.52%

20.67%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024

Borrower - 2024 - 2024

XXXX

xxxxxx8494

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/04/2025

6.730%

Manual Underwriting

8.169%

7.625%

$1,769.48

$1,743.72

$145.31

$1,780.32

$148.36

$0.00

$2,063.15

$2,450.59

N/A

XXXX

$0.00

XXXX

46.01%

Not Employed

1YR Full Doc

2 YRS 1099

N/A

Yes

0.00%

N/A

Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, Executed 4506T Verified, Award Letter Verified - 2023, 2022

Borrower - Executed 4506T Verified - 2023, 2022

XXXX

xxxxxx1028

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,678.58

Yes

10.625%

$3,213.00

$267.75

$3,266.16

$272.18

$0.00

$2,218.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.262

1.26

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified

XXXX

xxxxxx8288

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/04/2025

6.730%

Manual Underwriting

7.068%

6.875%

$8,750.29

$11,157.12

$929.76

$1,689.00

$140.75

$0.00

$9,820.80

$26,366.29

N/A

XXXX

$0.00

XXXX

41.62%

Self-Employed

Employed

1YR Business P&L

2 YRS W2

2+ Months

N/A

Yes

0.00%

100.00%

0.00%

Stocks/Bonds

Audited

Tax Preparer

N/A

Yes

Work Number

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2025, 2024

Borrower - Executed 4506T Verified - 2023, 2024 || Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2025, 2024

XXXX

xxxxxx8438

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/11/2025

6.620%

Manual Underwriting

7.332%

6.999%

$2,022.32

$4,763.28

$396.94

$1,653.00

$137.75

$0.00

$2,557.01

$3,177.49

N/A

XXXX

$0.00

XXXX

44.87%

44.83%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9934

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/10/2025

6.620%

Manual Underwriting

8.285%

7.999%

$2,975.87

$4,104.84

$342.07

$2,259.96

$188.33

$0.00

$3,506.27

$12,138.49

N/A

XXXX

$0.00

XXXX

32.29%

30.91%

Self-Employed

Employed

12 Month Bank Statement

1 YR W2

1 Month

N/A

Yes

77.73%

100.00%

0.00%

N/A

Yes

139

FNMA 1005

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 || Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023, 2022

Borrower - Executed 4506T Verified - 2025, 2024 || Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023, 2022

XXXX

xxxxxx8312

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/12/2025

6.620%

Manual Underwriting

6.883%

6.499%

$1,564.21

$5,122.92

$426.91

$975.96

$81.33

$0.00

$2,072.45

$31,441.55

N/A

XXXX

$0.00

XXXX

7.40%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9379

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/03/2025

6.730%

Manual Underwriting

7.107%

6.750%

$3,891.59

$9,375.00

$781.25

$1,191.96

$99.33

$0.00

$4,772.17

$12,542.83

N/A

XXXX

$0.00

XXXX

28.13%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9893

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/10/2025

6.620%

Manual Underwriting

6.699%

6.375%

$4,172.44

$10,449.96

$870.83

$2,085.00

$173.75

$0.00

$5,217.02

$29,450.31

N/A

XXXX

$0.00

XXXX

16.92%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9223

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/02/2025

6.850%

Manual Underwriting

6.753%

6.375%

$3,244.12

$8,178.24

$681.52

$1,901.76

$158.48

$1,464.00

$122.00

$0.00

$4,206.12

$5,471.63

N/A

XXXX

$122.00

XXXX

Annually

44.45%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

Stocks/Bonds

N/A

Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9385

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/24/2025

6.660%

Manual Underwriting

9.385%

8.875%

$1,782.24

$1,402.44

$116.87

$1,368.96

$114.08

$15.00

$1.25

$0.00

$2,014.44

$5,758.74

Yes

XXXX

$1.25

XXXX

Annually

39.69%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

99.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx9814

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/10/2025

6.620%

Manual Underwriting

6.933%

6.750%

$2,075.51

$2,729.28

$227.44

$1,222.56

$101.88

$3,060.00

$255.00

$0.00

$2,659.83

$42,981.22

N/A

XXXX

$255.00

XXXX

Monthly

11.58%

11.52%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx8880

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/05/2025

6.730%

Manual Underwriting

8.182%

7.875%

$4,834.04

$9,986.64

$832.22

$1,143.00

$95.25

$0.00

$5,761.51

$64,813.73

N/A

XXXX

$0.00

XXXX

10.65%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx6054

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/21/2025

6.650%

Manual Underwriting

7.117%

6.875%

$11,784.66

$28,032.12

$2,336.01

$3,074.04

$256.17

$3,804.00

$317.00

$0.00

$14,693.84

$25,242.30

N/A

XXXX

$317.00

XXXX

Monthly

43.66%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9014

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/20/2025

6.040%

Manual Underwriting

7.643%

7.250%

$4,929.46

$9,000.00

$750.00

$2,602.20

$216.85

$14,088.00

$1,174.00

$0.00

$7,070.31

$17,632.54

Yes

XXXX

$1,174.00

XXXX

Monthly

32.15%

Yes

Employed

1YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

N/A

Borrower - Wage, Commission - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025

Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025

XXXX

xxxxxx0906

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/18/2025

6.650%

Manual Underwriting

6.806%

6.499%

$4,080.91

$12,107.04

$1,008.92

$1,173.96

$97.83

$600.00

$50.00

$0.00

$5,237.66

$27,620.31

N/A

XXXX

$50.00

XXXX

Monthly

27.61%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx8142

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/05/2025

6.730%

Manual Underwriting

7.723%

7.375%

$2,175.63

$5,250.00

$437.50

$1,065.48

$88.79

$7,284.00

$607.00

$0.00

$3,308.92

$10,192.40

Yes

XXXX

$607.00

XXXX

Monthly

41.71%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9406

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/13/2025

6.620%

Manual Underwriting

6.725%

6.375%

$3,431.28

$11,362.32

$946.86

$3,446.04

$287.17

$2,283.96

$190.33

$0.00

$4,855.64

$11,834.21

Yes

XXXX

$190.33

XXXX

Annually

31.76%

31.62%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2024 || Co Borrower

Borrower - 2025, 2024 || Co Borrower

XXXX

Loan ID

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

xxxxxx0474

729

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

5787.90

1.2

167327.24

35.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx0849

765

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

383749.75

148.5

383749.75

148.5

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx8670

708

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

45995.36

19.0

45995.36

19.0

90.0

N/A

Borrower As Individual

N/A

xxxxxx6381

729

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

35279.40

12.3

80.0

N/A

Borrower As Individual

N/A

xxxxxx9417

680

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

53758.86

15.4

505708.05

144.8

62.97

N/A

Yes

Borrower As Individual

N/A

xxxxxx8514

707

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

86493.12

20.2

86493.12

20.2

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx0898

711

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

116768.32

18.6

116768.32

18.6

90.0

N/A

Borrower As Individual

N/A

xxxxxx2274

720

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

56207.30

21.1

377696.09

142.1

60.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1097

659

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

30014.64

8.5

30014.64

8.5

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx7215

754

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

N/A

63708.72

18.4

63708.72

18.4

60.27

N/A

Borrower As Individual

N/A

xxxxxx5822

778

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

34976.12

3.7

34976.12

3.7

60.0

N/A

Borrower As Individual

N/A

xxxxxx7850

790

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

3275463.92

413.3

3275463.92

413.3

80.0

N/A

Borrower As Individual

N/A

xxxxxx8533

784

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

28075.03

7.1

73.82

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx9587

666

Unknown

US Citizen

N/A

Other

Patriot Act Disclosure

United States

XXXX

N/A

XXXX

Fee Simple

N/A

28066.87

15.8

28066.87

15.8

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx9712

636

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

12774.28

7.0

65.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx0498

722

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

73293.77

14.2

73293.77

14.2

85.0

N/A

Borrower As Individual

N/A

xxxxxx9782

649

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

.00

0.0

79292.79

17.3

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx0101

707

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

14415.00

9.6

55119.28

36.9

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx0897

727

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

176775.09

11.6

176775.09

11.6

85.0

N/A

Borrower As Individual

N/A

xxxxxx1498

733

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

51136.67

9.0

51136.67

9.0

90.0

N/A

Borrower As Individual

N/A

xxxxxx0284

756

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

38820.07

16.2

360823.87

150.1

78.35

N/A

Yes

Borrower As Individual

N/A

xxxxxx1164

688

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

4738.74

2.7

149545.81

85.5

27.03

Yes

Borrower As Individual

N/A

xxxxxx8898

761

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Permanent Resident Card

N/A

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

95871.28

44.5

137802.24

63.9

80.0

N/A

Borrower As Individual

N/A

xxxxxx8079

719

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

20455.67

13.0

20455.67

13.0

70.0

Yes

Borrower As Individual

N/A

xxxxxx1475

772

Unknown

US Citizen

N/A

Other

Patriot Act Disclosure

United States

XXXX

N/A

XXXX

Fee Simple

N/A

23083.83

15.9

23083.83

15.9

74.34

N/A

Yes

Borrower As Individual

N/A

xxxxxx1434

773

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

60868.11

6.6

60868.11

6.6

90.0

N/A

Borrower As Individual

N/A

xxxxxx9838

746

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1021934.87

251.0

1038704.15

255.1

48.81

N/A

Borrower As Individual

N/A

xxxxxx7346

738

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

46684.93

7.6

46684.93

7.6

70.0

N/A

Borrower As Individual

N/A

xxxxxx0333

774

Unknown

US Citizen

N/A

Other

USA Patriot Act - Driver License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Other

USA Patriot Act - Driver License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

137169.59

27.4

137169.59

27.4

80.0

Yes

Borrower As Individual

N/A

xxxxxx6695

679

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

34564.70

3.7

34564.70

3.7

80.0

N/A

Borrower As Individual

N/A

xxxxxx9583

804

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

307012.20

24.5

1795450.89

143.5

60.4

N/A

Borrower As Individual

N/A

xxxxxx1462

716

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

50924.51

6.6

50924.51

6.6

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx1846

731

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

110582.94

32.7

70582.94

20.9

78.96

Yes

Borrower As Individual

N/A

xxxxxx9629

698

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

391542.54

127.4

55.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx7563

668

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

.00

0.0

132942.38

64.7

43.48

N/A

Yes

Borrower As Individual

N/A

xxxxxx1813

788

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1024193.30

172.0

1024193.30

172.0

70.0

Yes

Member on Behalf of Entity

N/A

xxxxxx9930

800

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

47525.28

6.6

75.0

N/A

Borrower As Individual

N/A

xxxxxx0331

797

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

3340325.29

197.7

3340325.29

197.7

80.0

N/A

Borrower As Individual

N/A

xxxxxx7757

686

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

86066.52

17.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1003

750

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

161032.84

37.4

161032.84

37.4

80.0

N/A

Borrower As Individual

N/A

xxxxxx8948

674

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

144332.65

103.2

59.23

N/A

Yes

Borrower As Individual

N/A

xxxxxx7468

685

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

N/A

247313.51

77.0

247313.51

77.0

69.94

N/A

Yes

Borrower As Individual

N/A

xxxxxx8106

737

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

650402.58

122.6

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx0826

726

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

173443.80

37.5

173443.80

37.5

90.0

N/A

Borrower As Individual

N/A

xxxxxx6708

762

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

42016.11

8.0

42016.11

8.0

85.0

N/A

Borrower As Individual

N/A

xxxxxx0325

712

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

248044.70

46.7

80.0

N/A

Borrower As Individual

N/A

xxxxxx0981

722

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Passport

N/A

United States

XXXX

UNITED STATES OF AMERICA

XXXX

N/A

XXXX

Fee Simple

N/A

606281.35

47.2

606281.35

47.2

78.95

N/A

Borrower As Individual

N/A

xxxxxx7823

741

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

21224.43

2.3

123913.21

13.6

80.0

N/A

Borrower As Individual

N/A

xxxxxx6556

725

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

108512.96

38.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1521

774

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

53973.02

7.0

53973.02

7.0

90.0

N/A

Borrower As Individual

N/A

xxxxxx1406

680

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

96747.00

44.0

96747.00

44.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx6562

725

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

313327.52

119.8

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1104

667

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

65093.63

43.2

65093.63

43.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx6563

725

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

298129.02

112.0

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx0469

739

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

35396.36

16.6

35396.36

16.6

80.0

N/A

Borrower As Individual

N/A

xxxxxx0483

755

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

395239.13

36.4

395239.13

36.4

80.0

N/A

Borrower As Individual

N/A

xxxxxx9094

796

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

40467.49

14.4

40467.49

14.4

80.0

N/A

Borrower As Individual

N/A

xxxxxx0580

670

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

17691.66

5.5

17691.66

5.5

70.0

N/A

Borrower As Individual

N/A

xxxxxx0023

694

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

30616.82

8.9

30616.82

8.9

80.0

N/A

Borrower As Individual

N/A

xxxxxx9404

820

Unknown

US Citizen

N/A

Passport

N/A

United States

XXXX

United States

XXXX

N/A

XXXX

US Citizen

N/A

Passport

N/A

United States

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

N/A

3910729.68

512.3

3910729.68

512.3

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx9323

736

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

302631.57

58.9

129933.56

25.3

70.0

N/A

Borrower As Individual

N/A

xxxxxx7746

727

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

514262.40

43.1

514262.40

43.1

65.82

N/A

Yes

Borrower As Individual

N/A

xxxxxx9305

768

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1344984.31

241.7

1344984.31

241.7

80.0

Yes

Borrower As Individual

N/A

xxxxxx9634

788

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

123405.01

26.4

123405.01

26.4

80.0

N/A

Borrower As Individual

N/A

xxxxxx7067

715

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

299869.40

182.6

299869.40

182.6

60.0

N/A

Borrower As Individual

N/A

xxxxxx9293

728

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

93334.04

21.5

93334.04

21.5

80.0

Yes

Borrower As Individual

N/A

xxxxxx8431

653

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1249050.11

127.0

1249050.11

127.0

62.21

N/A

Borrower As Individual

N/A

xxxxxx8123

676

Unknown

US Citizen

N/A

Passport

N/A

United States

XXXX

United States of America

XXXX

N/A

XXXX

Fee Simple

N/A

34070.03

5.6

34070.03

5.6

68.17

N/A

Borrower As Individual

N/A

xxxxxx8707

813

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

481470.89

64.8

47.06

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx9578

791

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

981030.67

138.3

981030.67

138.3

80.0

N/A

Borrower As Individual

N/A

xxxxxx8494

706

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

68944.93

33.4

68944.93

33.4

55.56

N/A

Borrower As Individual

N/A

xxxxxx1028

760

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

4493.11

2.0

251639.30

113.4

63.94

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx8288

772

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

467189.87

47.6

185091.92

18.9

80.0

N/A

Borrower As Individual

N/A

xxxxxx8438

805

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

N/A

125396.11

49.0

125396.11

49.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx9934

691

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

39083.57

11.1

61295.06

17.5

80.0

N/A

Borrower As Individual

N/A

xxxxxx8312

692

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

85319.67

41.2

85319.67

41.2

62.26

N/A

Borrower As Individual

N/A

xxxxxx9379

786

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

115569.10

24.2

115569.10

24.2

80.0

N/A

Borrower As Individual

N/A

xxxxxx9893

794

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

52044.76

10.0

52044.76

10.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx9223

790

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States of America

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

57978.89

13.8

57978.89

13.8

79.6

N/A

Borrower As Individual

N/A

xxxxxx9385

650

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

45666.43

22.7

45666.43

22.7

80.0

N/A

Borrower As Individual

N/A

xxxxxx9814

707

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

71495.60

26.9

121850.55

45.8

46.72

N/A

Borrower As Individual

N/A

xxxxxx8880

672

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

4178.53

0.7

70.93

N/A

Borrower As Individual

N/A

xxxxxx6054

792

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

450786.50

30.7

450786.50

30.7

79.99

N/A

Borrower As Individual

N/A

xxxxxx9014

804

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

210182.98

29.7

210182.98

29.7

75.0

Borrower As Individual

N/A

xxxxxx0906

751

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

72002.36

13.8

72002.36

13.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx8142

700

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

36646.32

11.1

36646.32

11.1

75.0

Borrower As Individual

N/A

xxxxxx9406

783

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

126800.21

26.1

126800.21

26.1

50.0

N/A

Borrower As Individual

N/A

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

7000090849

XXXX

Debt Service Coverage Ratio

Present

2760

Appraisal - 1007

N/A

2760

Appraisal - 1007

93.66

1.068

2585.08

370000

2760

0.0

N/A

148.45

XXXX

Vested Individual

XXXX

N/A

XXXX

7000089417

XXXX

12 Month Bank Statement

Present

N/A

0.0

3493.76

1.4

N/A

144.75

XXXX

Vested Individual

XXXX

N/A

XXXX

7000088514

XXXX

12 Month Bank Statement

Present

2737.5

Appraisal - 1007

N/A

2737.5

Appraisal - 1007

156.43

0.0

4282.2

Yes

22360

325000

2737.5

0.0

N/A

20.2

XXXX

Vested Individual

XXXX

7000092274

XXXX

Debt Service Coverage Ratio

Present

2775

Appraisal - 1007

N/A

2775

Appraisal - 1007

95.78

1.044

2657.77

Yes

70861

485000

2775

2.3

N/A

142.11

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000091097

XXXX

Debt Service Coverage Ratio

Present

2700

Appraisal - 1007

N/A

2700

Appraisal - 1007

130.27

0.75

0.768

3517.31

Yes

53000

2700

0.0

N/A

8.53

XXXX

Vested Individual

XXXX

2502148533

XXXX

12 Month Bank Statement

Present

N/A

3964.76

385000

0.9

N/A

7.08

Yes

XXXX

Sole Proprietor

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000109587

XXXX

Debt Service Coverage Ratio

Present

1800

Appraisal - 1007

N/A

1800

Appraisal - 1007

98.68

1.013

1776.27

Yes

18000

1800

0.0

N/A

15.8

XXXX

Vested Individual

XXXX

7000109712

XXXX

Debt Service Coverage Ratio

Present

Yes

1900

2150

Appraisal - 1007

N/A

1900

Actual In Place Rent

96.46

1.037

1832.67

1900

12-01-2024

Yes

16800

1900

4.4

N/A

6.97

XXXX

Vested Individual

XXXX

7000109782

XXXX

Debt Service Coverage Ratio

Present

Yes

6650

Appraisal - 1025

N/A

6650

Actual In Place Rent

68.8

1.45

1.454

4574.99

2800

01-31-2025

1900

04-30-2025

1950

03-31-2025

265000

6650

2.2

N/A

17.33

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000110101

XXXX

Debt Service Coverage Ratio

Present

Yes

1500

Appraisal - 1007

N/A

1500

Actual In Place Rent

99.64

1.004

1494.6

1500

10-24-2025

Yes

17400

110000

1500

0.6

N/A

36.88

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000110284

XXXX

Debt Service Coverage Ratio

Present

Yes

2427.6

2185

Appraisal - 1007

N/A

2427.6

Actual In Place Rent

1.01

2403.33

2427.6

01-01-2026

399990

2427.6

2.0

N/A

150.14

XXXX

Vested Individual

XXXX

7000111164

XXXX

Debt Service Coverage Ratio

Present

2750

Appraisal - 1007

N/A

2750

Appraisal - 1007

63.64

1.571

1750.19

Yes

100000

2750

N/A

85.45

XXXX

Vested Individual

XXXX

Vested Individual

XXXX

7000108079

XXXX

Debt Service Coverage Ratio

Present

1700

Appraisal - 1007

N/A

1700

Appraisal - 1007

92.27

1.084

1568.54

Yes

6000

34500

1700

0.0

N/A

13.04

XXXX

Vested Individual

XXXX

7000111475

XXXX

Debt Service Coverage Ratio

Present

1500

Appraisal - 1007

N/A

1500

Appraisal - 1007

96.58

1.035

1448.76

1500

0.4

N/A

15.93

XXXX

Vested Individual

XXXX

7000111462

XXXX

12 Month Bank Statement

Present

4700

Appraisal - 1007

N/A

Actual In Place Rent

0.0

7674.83

Yes

66440

752600

5.5

N/A

6.64

XXXX

Vested Individual

XXXX

Vested Individual

XXXX

N/A

XXXX

7000109629

XXXX

Debt Service Coverage Ratio

Present

Yes

4477

3270

Appraisal - 1025

N/A

3270

Appraisal - 1025

94.02

1.052

1.064

3074.33

3207

03-11-2025

1270

03-11-2025

Yes

39240

3270

24.3

N/A

127.36

XXXX

Individual

XXXX

2502147563

XXXX

12 Month Bank Statement

Present

2200

Appraisal - 1007

N/A

2200

Appraisal - 1007

93.41

2055.07

Yes

74200

337490

2200

0.8

N/A

64.69

XXXX

Vested Individual

XXXX

N/A

XXXX

7000101813

XXXX

Debt Service Coverage Ratio

Present

8560

Appraisal - 1007

N/A

8560

Appraisal - 1007

69.57

1.437

5955.1

8560

0.0

N/A

171.99

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000107757

XXXX

Debt Service Coverage Ratio

Present

Yes

5250

5350

Appraisal - 1025

N/A

5250

Actual In Place Rent

94.34

1.06

4952.76

1800

12-12-2025

1750

11-30-2025

1700

09-30-2025

Yes

63000

420000

5250

1.4

N/A

17.38

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000108948

XXXX

Debt Service Coverage Ratio

Present

Yes

1600

Appraisal - 1007

N/A

1600

Appraisal - 1007

87.4

1.144

1398.46

1600

01-31-2027

Yes

59000

1600

N/A

103.21

XXXX

Vested Individual

XXXX

2502147468

XXXX

12 Month Bank Statement

Present

2400

Appraisal - 1007

N/A

2400

Appraisal - 1007

133.76

3210.35

Yes

70200

350000

2400

0.0

N/A

77.04

XXXX

Vested Individual

XXXX

7000108106

XXXX

Debt Service Coverage Ratio

Present

Yes

5400

5900

Appraisal - 1025

N/A

5900

Appraisal - 1025

89.92

1.112

5305.27

3050

03-31-2025

2350

05-01-2025

Yes

51710

5900

8.7

N/A

122.6

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000106556

XXXX

Debt Service Coverage Ratio

Present

Yes

3500

Appraisal - 1025

N/A

3500

Appraisal - 1025

80.86

1.237

2830.14

1800

12-31-2025

1700

07-31-2025

Yes

38900

272000

3500

2.3

N/A

38.34

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000106562

XXXX

Debt Service Coverage Ratio

Present

Yes

3500

3400

Appraisal - 1025

N/A

3400

Appraisal - 1025

76.95

1.299

1.3

2616.22

1700

04-30-2026

1800

09-30-2025

Yes

38699

272000

3400

0.7

N/A

119.76

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

7000111104

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2300

Appraisal - 1007

N/A

2300

Appraisal - 1007

65.5

1.52

1.527

1506.48

Yes

27600

2300

0.0

N/A

43.21

Yes

XXXX

Corporation

Individual Guarantor

XXXX

7000106563

XXXX

Debt Service Coverage Ratio

Present

Yes

2800

3000

Appraisal - 1025

N/A

3000

Appraisal - 1025

88.74

1.122

1.127

2662.18

1500

04-30-2025

1300

12-31-2027

Yes

33768

272000

3000

0.7

N/A

111.99

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

2503149404

XXXX

1YR Full Doc

Present

3550

Appraisal - 1007

N/A

3550

Appraisal - 1007

215.05

7634.26

Yes

168400

3550

0.0

N/A

512.26

XXXX

Vested Individual

XXXX

Vested Individual

XXXX

2502147746

XXXX

12 Month Bank Statement

Present

4100

Appraisal - 1007

N/A

4100

Appraisal - 1007

291.26

11941.77

1680000

4100

7.9

N/A

43.06

XXXX

Vested Individual

XXXX

N/A

XXXX

2502148707

XXXX

Asset Utilization (DTI)

Present

N/A

7427.14

Yes

46000

9.5

N/A

64.83

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

2503151028

XXXX

Debt Service Coverage Ratio

Present

Yes

2800

Appraisal - 1007

N/A

2800

Actual In Place Rent

79.23

1.26

1.262

2218.51

2800

02-20-2027

Yes

33600

219000

2800

0.4

N/A

113.43

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Loan ID	Seller Loan ID	Investor Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value	Comment
xxxxxx0474			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx0474			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx0849			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	2585.08	2191.41	XXXX
xxxxxx0849			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx0849			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx8670			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx8670			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	31.09	43.72	XXXX
xxxxxx6381			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx6381			XXXX	Loan Program	the1003Page	XXXX	XXXX	XXXX
xxxxxx9417			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx9417			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	20.81	20.80	XXXX
xxxxxx8514			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx8514			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	45.59	35.46	XXXX
xxxxxx0898			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx0898			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx2274			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	2657.77	2624.08	XXXX
xxxxxx2274			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2274			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx1097			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx1097			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx1097			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	3517.31	3480.98	XXXX
xxxxxx7215			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx7215			XXXX	Monthly Property Tax Amount	titlePage	497.92	0.00	XXXX
xxxxxx7215			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	103.11	0.00	XXXX
xxxxxx5822			XXXX	Interest Rate	notePage	6.875	0.0000	XXXX
xxxxxx5822			XXXX	Monthly Property Tax Amount	titlePage	1345.07	0.00	XXXX
xxxxxx5822			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	249.42	0.00	XXXX
xxxxxx5822			XXXX	Qualifying Housing Debt Income Ratio	diligenceFinalLookPage	21.65	21.62	XXXX
xxxxxx5822			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	22.81	22.78	XXXX
xxxxxx7850			XXXX	Occupancy	the1003Page	Primary Residence	OwnerOccupied	XXXX
xxxxxx7850			XXXX	Interest Rate	notePage	6.875	0.0000	XXXX
xxxxxx7850			XXXX	Monthly Property Tax Amount	titlePage	975.6	0.00	XXXX
xxxxxx7850			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	249.5	0.00	XXXX
xxxxxx8533			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8533			XXXX	Monthly Property Tax Amount	titlePage	425.18	0.00	XXXX
xxxxxx8533			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	262.33	0.00	XXXX
xxxxxx9587			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9587			XXXX	Prepayment Penalty Type	notePage	Hard	3	XXXX
xxxxxx9587			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx9587			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	1776.27	1434.27	XXXX
xxxxxx9712			XXXX	Loan Program	the1003Page	XXXX	XXXX	XXXX
xxxxxx9712			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx9712			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx9712			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	1832.67	1807.67	XXXX
xxxxxx9712			XXXX	Calculated DSCR	diligenceFinalLookPage	1.037	1.03	XXXX
xxxxxx0498			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx0498			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	5163.53	5163.52	XXXX
xxxxxx0498			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	7.37	7.38	XXXX
xxxxxx9782			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx9782			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	4574.99	4258.57	XXXX
xxxxxx0101			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx0897			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx0897			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	3.47	3.45	XXXX
xxxxxx1498			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx1498			XXXX	Verified Doc Type	employmentIncomePage	1099 Verified	ALT DOC	XXXX
xxxxxx0284			XXXX	Prepayment Penalty Type	notePage	Hard	3	XXXX
xxxxxx0284			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx0284			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx1164			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx1164			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	1750.19	1061.69	XXXX
xxxxxx1164			XXXX	Calculated DSCR	diligenceFinalLookPage	1.571	1.25	XXXX
xxxxxx8898			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx8898			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	2156.32	1594.21	XXXX
xxxxxx8079			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx8079			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	1568.54	1368.54	XXXX
xxxxxx1475			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx1475			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx1434			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx1434			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx9838			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx9838			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9838			XXXX	Verified Doc Type	employmentIncomePage	Asset Utilization (DTI)	Full Doc	XXXX
xxxxxx9838			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	No	Yes	XXXX
xxxxxx9838			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	4071.2	3984.20	XXXX
xxxxxx7346			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx7346			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx7346			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	6111.23	6111.24	XXXX
xxxxxx0333			XXXX	Qualifying FICO	creditLiabilitiesPage	774	764	XXXX
xxxxxx0333			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx0333			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx0333			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	5003.2	3950.66	XXXX
xxxxxx6695			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx6695			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx6695			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	9433.82	6969.00	XXXX
xxxxxx9583			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx9583			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9583			XXXX	Verified Doc Type	employmentIncomePage	2YR Full Doc	Full Doc	XXXX
xxxxxx9583			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	12508.15	10300.86	XXXX
xxxxxx9583			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	8.58	8.59	XXXX
xxxxxx1462			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx1462			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx1462			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	7674.83	7509.58	XXXX
xxxxxx1462			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	32.59	33.65	XXXX
xxxxxx1846			XXXX	Verified Doc Type	employmentIncomePage	24 Month Bank Statement	ALT DOC	XXXX
xxxxxx1846			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	3385.44	2840.44	XXXX
xxxxxx1846			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	5.64	5.76	XXXX
xxxxxx9629			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9629			XXXX	Prepayment Penalty Type	notePage	Hard	3	XXXX
xxxxxx9629			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx9629			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	3074.33	2720.11	XXXX
xxxxxx7563			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1813			XXXX	Prepayment Penalty Type	notePage	Hard	3	XXXX
xxxxxx1813			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx1813			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx1813			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	5955.1	4898.10	XXXX
xxxxxx1813			XXXX	Calculated DSCR	diligenceFinalLookPage	1.437	2.29	XXXX
xxxxxx9930			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9930			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx0331			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx0331			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx0331			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	No	Yes	XXXX
xxxxxx0331			XXXX	Verified Doc Type	employmentIncomePage	Asset Utilization (DTI)	ALT DOC	XXXX
xxxxxx0331			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	20698.42	13597.92	XXXX
xxxxxx0331			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	45.89	38.42	XXXX
xxxxxx7757			XXXX	Property Type	propertyValuationPage	Two to Four Unit	Single Family Detached	XXXX
xxxxxx7757			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx7757			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	4952.76	3514.76	XXXX
xxxxxx1003			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	4301.16	3552.83	XXXX
xxxxxx8948			XXXX	Prepayment Penalty Type	notePage	Hard	3	XXXX
xxxxxx8948			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx7468			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8106			XXXX	Property Type	propertyValuationPage	Two to Four Unit	2-4 Family	XXXX
xxxxxx8106			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx8106			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	5305.27	5311.61	XXXX
xxxxxx0826			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx0826			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	4626.74	4595.94	XXXX
xxxxxx6708			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx6708			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx6708			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	5240.74	5218.24	XXXX
xxxxxx0325			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx0325			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx0325			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx0325			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	5316.31	4335.19	XXXX
xxxxxx0325			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	44.76	44.91	XXXX
xxxxxx0981			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx7823			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	No	coming soon	XXXX
xxxxxx7823			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx7823			XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	XXXX
xxxxxx7823			XXXX	Interest Rate	notePage	7.375	0.0000	XXXX
xxxxxx7823			XXXX	Monthly Property Tax Amount	titlePage	1080.98	0.00	XXXX
xxxxxx7823			XXXX	Mortgage Insurance Flag	mortgageInsurancePage	No	0	XXXX
xxxxxx7823			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	155.01	0.00	XXXX
xxxxxx6556			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx6556			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	2830.14	2830.15	XXXX
xxxxxx6556			XXXX	Calculated DSCR	diligenceFinalLookPage	1.237	1.0	XXXX
xxxxxx1521			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx1521			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx6562			XXXX	Property Type	propertyValuationPage	Two to Four Unit	2-4 Family	XXXX
xxxxxx6562			XXXX	Prepayment Penalty Type	notePage	Hard	2	XXXX
xxxxxx6562			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx6562			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	2616.22	2782.47	XXXX
xxxxxx6562			XXXX	Calculated DSCR	diligenceFinalLookPage	1.3	1.0	XXXX
xxxxxx1104			XXXX	Prepayment Penalty Type	notePage	Hard	3	XXXX
xxxxxx1104			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx1104			XXXX	Calculated DSCR	diligenceFinalLookPage	1.527	1.52	XXXX
xxxxxx6563			XXXX	Property Type	propertyValuationPage	Two to Four Unit	2-4 Family	XXXX
xxxxxx6563			XXXX	Prepayment Penalty Type	notePage	Hard	2	XXXX
xxxxxx6563			XXXX	Verified Doc Type	employmentIncomePage	Debt Service Coverage Ratio	ALT DOC	XXXX
xxxxxx6563			XXXX	Calculated DSCR	diligenceFinalLookPage	1.127	1.0	XXXX
xxxxxx0469			XXXX	Verified Doc Type	employmentIncomePage	Asset Utilization (DTI)	ALT DOC	XXXX
xxxxxx0469			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	No	Yes	XXXX
xxxxxx0483			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx0483			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	10873.56	8564.37	XXXX
xxxxxx0483			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	34.64	32.26	XXXX
xxxxxx9094			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0580			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx0580			XXXX	Verified Doc Type	employmentIncomePage	1099 Verified	ALT DOC	XXXX
xxxxxx0023			XXXX	Verified Doc Type	employmentIncomePage	12 Month Bank Statement	ALT DOC	XXXX
xxxxxx0023			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	34.47	34.66	XXXX
xxxxxx9404			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	No	coming soon	XXXX
xxxxxx9404			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9404			XXXX	Property Address	notePage	XXXX	XXXX	XXXX
xxxxxx9404			XXXX	Interest Rate	notePage	6.999	0.0000	XXXX
xxxxxx9404			XXXX	Monthly Property Tax Amount	titlePage	1353.12	0.00	XXXX
xxxxxx9404			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	232.16	0.00	XXXX
xxxxxx9323			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9323			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	38.3	37.52	XXXX
xxxxxx7746			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx7746			XXXX	Monthly Property Tax Amount	titlePage	2229.17	0.00	XXXX
xxxxxx7746			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	342.39	0.00	XXXX
xxxxxx9305			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9305			XXXX	Mortgage Insurance Flag	mortgageInsurancePage	No	0	XXXX
xxxxxx9634			XXXX	Monthly Property Tax Amount	titlePage	559.84	456.36	XXXX
xxxxxx9634			XXXX	Mortgage Insurance Flag	mortgageInsurancePage	No	0	XXXX
xxxxxx9634			XXXX	CLTV	propertyValuationPage	79.45	80.00	XXXX
xxxxxx9634			XXXX	Qualifying Housing Debt Income Ratio	diligenceFinalLookPage	28.67	28.03	XXXX
xxxxxx9634			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	35.32	34.69	XXXX
xxxxxx7067			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx7067			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	34.89	34.90	XXXX
xxxxxx9293			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	Yes	coming soon	XXXX
xxxxxx9293			XXXX	Interest Rate	notePage	7.75	0.0000	XXXX
xxxxxx9293			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9293			XXXX	Monthly Property Tax Amount	titlePage	580.21	0.00	XXXX
xxxxxx9293			XXXX	Mortgage Insurance Flag	mortgageInsurancePage	No	0	XXXX
xxxxxx9293			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	105.5	0.00	XXXX
xxxxxx9293			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	39.23	39.20	XXXX
xxxxxx8431			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8431			XXXX	Monthly Property Tax Amount	titlePage	1791.67	0.00	XXXX
xxxxxx8431			XXXX	Mortgage Insurance Flag	mortgageInsurancePage	No	0	XXXX
xxxxxx8431			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	624.33	0.00	XXXX
xxxxxx8123			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8123			XXXX	Monthly Property Tax Amount	titlePage	1622.44	0.00	XXXX
xxxxxx8123			XXXX	Mortgage Insurance Flag	mortgageInsurancePage	No	0	XXXX
xxxxxx8123			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	230.5	0.00	XXXX
xxxxxx8707			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8707			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	No	coming soon	XXXX
xxxxxx8707			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	703.92	421.00	XXXX
xxxxxx9578			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9578			XXXX	Monthly Property Tax Amount	titlePage	1263.58	1212.83	XXXX
xxxxxx9578			XXXX	Qualifying Housing Debt Income Ratio	diligenceFinalLookPage	19.95	19.80	XXXX
xxxxxx9578			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	20.67	20.52	XXXX
xxxxxx8494			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1028			XXXX	Occupancy	the1003Page	Investment	NonOwnerOccupied	XXXX
xxxxxx1028			XXXX	Interest Rate	notePage	6.625	0.0000	XXXX
xxxxxx1028			XXXX	Monthly Property Tax Amount	titlePage	267.75	0.00	XXXX
xxxxxx1028			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	272.18	0.00	XXXX
xxxxxx8288			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8438			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8438			XXXX	Monthly Property Tax Amount	titlePage	396.94	399.10	XXXX
xxxxxx8438			XXXX	Qualifying Housing Debt Income Ratio	diligenceFinalLookPage	44.4	44.43	XXXX
xxxxxx8438			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	44.83	44.87	XXXX
xxxxxx9934			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	Yes	coming soon	XXXX
xxxxxx9934			XXXX	Interest Rate	notePage	7.999	0.0000	XXXX
xxxxxx9934			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9934			XXXX	Monthly Property Tax Amount	titlePage	342.07	0.00	XXXX
xxxxxx9934			XXXX	Mortgage Insurance Flag	mortgageInsurancePage	No	0	XXXX
xxxxxx9934			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	188.33	0.00	XXXX
xxxxxx9934			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	30.91	32.29	XXXX
xxxxxx8312			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8312			XXXX	CLTV	propertyValuationPage	60.96	62.26	XXXX
xxxxxx9379			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9379			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	28.13	28.12	XXXX
xxxxxx9893			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9223			XXXX	Monthly Property Tax Amount	titlePage	681.52	0.00	XXXX
xxxxxx9223			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	158.48	0.00	XXXX
xxxxxx9385			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9814			XXXX	Occupancy	the1003Page	Primary Residence	OwnerOccupied	XXXX
xxxxxx9814			XXXX	Monthly Property Tax Amount	titlePage	227.44	0.00	XXXX
xxxxxx9814			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	101.88	0.00	XXXX
xxxxxx9814			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	11.52	11.58	XXXX
xxxxxx9814			XXXX	Qualifying Housing Debt Income Ratio	diligenceFinalLookPage	5.48	5.54	XXXX
xxxxxx8880			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8880			XXXX	Monthly Property Tax Amount	titlePage	832.22	0.00	XXXX
xxxxxx8880			XXXX	Borrower 1 Executed 4506T Verified	employmentIncomePage	Yes	NA	XXXX
xxxxxx8880			XXXX	Total Monthly Property Insurance Amount	propertyInsurancePage	95.25	0.00	XXXX
xxxxxx6054			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx6054			XXXX	CLTV	propertyValuationPage	79.97	79.99	XXXX
xxxxxx0906			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	Yes	coming soon	XXXX
xxxxxx0906			XXXX	Mortgage Insurance Flag	mortgageInsurancePage	No	0	XXXX
xxxxxx8142			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8142			XXXX	Property City	notePage	XXXX	XXXX	XXXX
xxxxxx9406			XXXX	Application Date	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9406			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	31.62	31.76	XXXX