Exhibit 99.3

EXECUTIVE SUMMARY
Third Party Due Diligence Review

Overview

Consolidated Analytics, Inc (“Consolidated Analytics”), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by Santander Bank, N.A. through a bulk purchase. The review included a total of 139 newly originated residential mortgage loans acquired through a bulk purchase in connection with the securitization identified as SAN 2025-NQM3 (the “Securitization”). The Review was conducted from January 2025 through April 2025 on mortgage loans originated between January 2025 and April 2025.

Scope of Review

Credit Review

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

The Credit Review attempted to confirm the following:

QM or ATR Validation / Review of 8 Key Underwriting Factors

Income / Assets

Validate borrower(s) monthly gross income

Validate funds required to close, required reserves

Review file documentation for required level of income and asset verifications

ii.

Employment Status

Review file documentation for required level of employment

iii.

Monthly Mortgage Payment

Confirm program, qualifying rate, terms

iv.

Simultaneous Loans

Validate all concurrent loans are included in the DTI to properly assess the ability to repay

Mortgage Related Obligations: PITI, HOA, PMI, etc.

Validate subject loan monthly payment (PITI) and associated obligations

vi.

Debts / Obligations

Validate monthly recurring liabilities

vii.

DTI and/or Residual Income

Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

Documentation meets Appendix Q requirements for QM Loans

viii.

Credit History

Review credit report for credit history and required credit depth including any / all inquiries

Determine representative credit score from credit report

	b.	Validate loan-to-value (LTV) and combined loan-to-value
	c.	Review borrower's occupancy
	d.	Validation through third party resource of the subject properties most recent twelve (12) month sales history

	e.	Confirm sufficient evidence in loan file, by reviewing the underwriter’s decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt
	f.	Confirm that Final 1003 is sufficiently completed
	g.	Provide Audit 1008 with accurate data based on file documentation
	h.	Confirm Loan Approval conditions were met
	i.	Review condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red flags that may deem condominium project ineligible
	j.	General QM for any loans originated under the GQM Rule

Pricing Thresholds:

Pricing for First Lien Loans:

	i.	2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and
	ii.	3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and
	iii.	6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

Pricing for Subordinate Lien Loans:

3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

ii.

6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

Pricing for Manufactured Homes:

2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable dollar amount threshold; and

ii.

6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

ii.

Consider Income and Assets:

	o	Consumer’s current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;
	o	The consumer’s debt obligations, alimony, child support; and
	o	The monthly DTI or residual income.

iii.

Verification of Income and Assets:

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

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

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

	ii.	Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;
	iii.	Sections II.A.1 and II.A.4-5 of the Federal Housing Administration’s Single Family Housing Policy Handbook, issued October 24, 2019;
	iv.	Chapter 4 of the U.S. Department of Veterans Affairs’ Lenders Handbook, revised February 22, 2019;
	v.	Chapter 4 of the U.S. Department of Agriculture’s Field Office Handbook for the Direct Single Family Housing Program, revised March 15, 2019; and
	vi.	Chapters 9 through 11 of the U.S. Department of Agriculture’s Handbook for the Single Family Guaranteed Loan Program, revised March 19, 2020.

Compliance Review

Consolidated Analytics performed a “Compliance Review” to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a “Compliance Review” of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

Tolerance Testing

Compare Loan Estimate and Closing Disclosures

ii.

Identify Tolerance Violations and applicable cost to cure

Comprehensive review of Closing Disclosure to determine transaction accuracy

Recalculation of APR and Finance Charge

Testing of:

Federal High Cost Mortgage provisions

ii.

Federal Higher Priced Mortgage Loans provisions

iii.

Local and/or State Anti-predatory and High Cost provisions

iv.

HOEPA Points and Fees

Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

Service Provider List

ii.

Home Ownership Counselling Disclosure

iii.

ARM Disclosure

Compliance with QM as it relates to:

APR Test

ii.

Points & Fees Test

iii.

Prepayment Penalty Test

iv.

Product Eligibility Testing

Notice of Right to Cancel (Rescission) Review

Confirm transaction date, expiration date, and disbursement date

ii.

Confirm document is properly executed by all required parties to the transaction

iii.

Confirm the correct Right of Rescission document was executed for the transaction type

iv.

Confirm a full three (3) day rescission period was provided to the borrower

Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

Valuation Review

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

Review original appraisal, determination that property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be identified with the condition of the property, Consolidated Analytics will alert Client.

Review appraisal, determination that property is completely constructed and appraisal is on an “as is basis,” or property is identified as not completely constructed by originating appraiser.

Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

Review and determine the relevance of the comparable properties and ensure that a rational and reliable value was provided and supported as of the effective date of the Origination Appraisal.

Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

Ensure that the appraisal conforms to the guidelines provided from the Client.

Review appraisal to ensure all required documents were included.

Review location map provided within the appraisal for external obsolescence.

Ensure highest and best use and zoning complies with guidelines.

Confirm there are no marketability issues that affect the subject property.

Ensure subject property does not suffer any functional obsolescence.

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

Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5 or the LCA score was not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In some instances, based on guidance from the seller, CDA’s were ordered on loans that had an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (139 loans in total):

Eighty-six (86) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Two (2) loans had a Secondary Appraisal, zero (0) loans had an AVM, and sixty-four (64) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were zero (0) occurrences of this.

Product totals may not sum due to multiple products for each loan.

TAPE INTEGRITY REVIEW RESULTS SUMMARY

Of the one hundred thirty-nine (139) mortgage loans reviewed, one hundred twenty-four (124) unique mortgage loans (89.21% by loan count) had a total of one hundred fifty (150) discrepancies across fourteen (14) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

Fields Reviewed	Discrepancy Count	Percentage
PITIA	103	68.67%
Application Date	12	8.00%
P&I	9	6.00%
Qualifying FICO	7	4.67%
Closing Date	6	4.00%
Sales Price	2	1.33%
Qualifying Total Debt Income Ratio	2	1.33%
Monthly Insurance	2	1.33%
Original LTV	2	1.33%
Interest Rate	1	0.67%
Property City	1	0.67%
Number of Borrowers	1	0.67%
Property Type	1	0.67%
Loan Purpose	1	0.67%
Grand Total	150	100.00%

Summary of Results

OVERALL RESULTS SUMMARY

Final Loan Grades

Overall Loan Results:
Event Grade	Loan Count	Original Principal Balance	Percent of Sample
Event Grade A	136	$45,831,606.00	97.84%
Event Grade B	3	$1,995,000.00	2.16%
Event Grade C	0	$0.00	0%
Event Grade D	0	$0.00	0%
Total Sample	139	$47,826,606.00	100.00%

Credit Results:
Event Grade	Loan Count	Percent of Sample
Event Grade A	137	98.56%
Event Grade B	2	1.44%
Event Grade C	0	0%
Event Grade D	0	0%
Total Sample	139	100.00%

Compliance Results (As applicable, 124 loans within population did not receive a Compliance Review):
Event Grade	Loan Count	Percent of Sample
Event Grade A	15	100.00%
Event Grade B	0	0%
Event Grade C	0	0%
Event Grade D	0	0%
Total Sample	15	100.00%

Valuation Results:
Event Grade	Loan Count	Percent of Sample
Event Grade A	138	99.28%
Event Grade B	1	0.72%
Event Grade C	0	0%
Event Grade D	0	0%
Total Sample	139	100.00%

Exception Category Summary

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

Exception Type	Exception Level Grade	Exception Category	Total
Credit	A	No Findings	119
		Title Insurance Missing or Defective	3
		Hazard Insurance Effective Date is after the Disbursement Date	2
		Entity Documentation - Missing or Defective	2
		Deed Missing or Defective	2
		Insufficient Assets to Close	2
		Asset Qualification Does Not Meet Guideline Requirements	1
		Mortgage Payment History Missing or Defective	1
		Purchase Contract is Incomplete	1
		Insufficient Assets for Reserves	1
		Asset Documentation Missing or Defective	1
		Satisfactory Chain of Title not Provided	1
		PUD Rider is Missing	1
		The Deed of Trust is Missing	1
		Hazard Insurance Missing or Defective	1
		The Note is Missing	1
		The Final 1003 is Missing	1
		Title Insurance Coverage - Inadequate Coverage	1
		Closing Disclosure/Settlement Statement Missing or Defective	1
		Entity Documentation - Missing or Defective	1
		Maturity Date is not the first of the month	1
		Missing Taxpayer First Act Disclosure	1
		*Total Credit Grade (A) Exceptions:*	*146*
	B	Insufficient Assets for Reserves	1
		Excessive LTV Ratio	1
		*Total Credit Grade (B) Exceptions:*	2
Compliance	A	No Compliance Findings	10
		Higher-Priced Mortgage Loan Test	3
		Collateral Protection Notice is Missing	1
		TRID: Missing Closing Disclosure	1
		TRID: Closing disclosure loan terms- Prepayment Penalty	1
		CA AB 260 Higher-Priced Mortgage Loan Test	1
		Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))	1
		Missing Initial Escrow Disclosure	1
		*Total Compliance Grade (A) Exceptions:*	19
Property	A	No Property Findings	13
		Appraisal Review - Missing	1
		Third Party Valuation Product Not Provided within 10% Tolerance	1
		Subject Property Lease - Missing or Defective	1
		*Total Property Grade (A) Exceptions:*	16
	B	Ineligible Property – Square Footage	1
	B	*Total Property Grade (B) Exceptions:*	1

Event Grade Definitions

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

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

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

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

Loan Number

Seller Loan Number

Originator

Last Name

Note Date

Original Balance

State

TPR QM ATR Status

Loan Status

Exception Date

Remediation Status

Exception ID

Exception Type

Exception Category

Exceptions

Exception Rebuttal

Exception Rebuttal Date

Exception Rebuttal Response

Exception Rebuttal Response Date

Compensating Factors

Initial Overall Loan Grade

Final Overall Loan Grade

Initial Exception Grade

Final Exception Grade

Initial Credit Grade

Final Credit Grade

Initial Property Valuation Grade

Final Property Valuation Grade

Initial Compliance Grade

Final Compliance Grade

Initial Overall Grade (DBRS/Morningstar)

Initial Credit Grade (DBRS/Morningstar)

Initial Property Valuation Grade (DBRS/Morningstar)

Initial Compliance Grade (DBRS/Morningstar)

Initial Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Initial Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Initial Overall Grade (Moodys)

Initial Credit Grade (Moodys)

Initial Property Valuation Grade (Moodys)

Initial Compliance Grade (Moodys)

Initial Overall Grade (S&P)

Initial Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Overall Grade (DBRS/Morningstar)

Final Credit Grade (DBRS/Morningstar)

Final Property Grade (DBRS/Morningstar)

Final Compliance Grade (DBRS/Morningstar)

Final Overall Grade (Fitch)

Final Credit Grade (Fitch)

Final Property Grade (Fitch)

Final Compliance Grade (Fitch)

Final Overall Grade (Kroll)

Final Credit Grade (Kroll)

Final Property Grade (Kroll)

Final Compliance Grade (Kroll)

Final Overall Grade (Moodys)

Final Credit Grade (Moodys)

Final Property Grade (Moodys)

Final Compliance Grade (Moodys)

Final Overall Grade (S&P)

Final Credit Grade (S&P)

Final Property Grade (S&P)

Final Compliance Grade (S&P)

400103976

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

01/20/2025

Resolved

2412142216-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400104003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

01/29/2025

Resolved

8355018699

Credit

Mortgage Payment History Missing or Defective

Missing payment history for subject's previous mortgage loan #XXX from XX/XXXX to XX/XXXX. There is only payment history from XX/XXXX to present.

There is no mtg history from the borrower XXX – XXX. Borrower was added to tile in XXX XXX

01/29/2025

20250131: Rescind. Mortgage history in file is sufficient.

01/31/2025

N/A

400104003

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

01/29/2025

Acknowledged

8355279325

Credit

Insufficient Assets for Reserves

$XXX assets < $XXX minimum liquidity required for XXX months' reserves. Please provide additional assets.

Exception approval uploaded

01/29/2025

20250131: Exception approval received.

01/31/2025

LTV < XX%, FICO > XXX

N/A

400097523

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/11/2025

Resolved

2502145903-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097247

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/12/2025

Resolved

2502146851-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097437

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/12/2025

Resolved

2501144831-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097469

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/14/2025

Resolved

2502147296-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097241

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/14/2025

Resolved

2502146969-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097514

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/14/2025

Resolved

2502148653-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103985

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/14/2025

Resolved

2503149214-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097237

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/14/2025

Resolved

2502147948-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097251

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/17/2025

Resolved

2502148894-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097324

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/17/2025

Resolved

2503149519-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097515

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/17/2025

Resolved

2502148013-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097561

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

2501144883-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097392

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

2502146047-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097250

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

2502148106-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097283

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

8727289371

Credit

Hazard Insurance Missing or Defective

Hazard insurance effective date of XX/XX/XXXX is after loan origination and disbursement date of XX/XX/XXXX. Please provide updated hazard insurance with an effective date of XX/XX/XXXX.

Loan disbursed on XX/XX. Please see attached Final SS.

03/19/2025

20250319: Received final HUD with a disbursement date of XX/XX. Hazard insurance is sufficient.

03/19/2025

N/A

400103961

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

2503149410-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097500

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

2502147206-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097461

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

2502146503-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097408

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

2502148649-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103960

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/18/2025

Resolved

2503149407-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097407

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/19/2025

Resolved

2503149500-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097264

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/19/2025

Resolved

2502148177-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400104004

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/20/2025

Resolved

8745182277

Credit

Entity Documentation - Missing or Defective

Missing Operating Agreement for XXX

Property is located in XXX- where the operating agreement is not legally mandated. Please clear, thank you!

03/24/2025

20250404: Rescind. Both members of borrowing entity are XXX, operating agreement not required.
20250325: Although operating agreement is not required in XXX, ownership percentages of borrowing entity are required to determine authorization of loan documents and personal guaranty. Please provide ownership percentages for borrowing entity.

04/04/2025

N/A

400103988

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/20/2025

Resolved

2503149643-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097579

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/20/2025

Resolved

2502146908-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097375

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/21/2025

Resolved

2501145735-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097504

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/21/2025

Resolved

2502145825-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097304

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/21/2025

Resolved

2503149219-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097427

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/24/2025

Resolved

2502147793-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097498

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/24/2025

Resolved

2502147271-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103959

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/24/2025

Resolved

8768171289

Credit

Asset Documentation Missing or Defective

Missing asset documentation from borrower.

Uploaded.

03/25/2025

20250327: Received asset documentation.

03/27/2025

N/A

400103917

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/24/2025

Resolved

8767778218

Credit

Entity Documentation - Missing or Defective

Missing Operating Agreement for XXX

Please review.

03/25/2025

20250325: Received operating agreement.

03/25/2025

N/A

400103917

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/24/2025

Resolved

8767813118

Credit

Deed Missing or Defective

Missing conveyance deed from XXX, XXX to XXX

Please review.

03/25/2025

20250325: Received conveyance deed.

03/25/2025

N/A

400103917

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/24/2025

Resolved

8767648493

Credit

Entity Documentation - Missing or Defective

Missing EIN for XXX

Please review.

03/25/2025

20250325: Received EIN.

03/25/2025

N/A

400103916

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2503149151-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097451

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2502146761-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097360

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2502148063-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097285

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2502147621-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097573

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2503149277-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097276

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2502148300-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097229

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2502148392-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097311

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2503149300-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103912

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/25/2025

Resolved

2503149426-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103986

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/26/2025

Resolved

2502147360-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103966

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/27/2025

Resolved

2502148546-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103992

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/27/2025

Resolved

2411139059-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103975

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/27/2025

Acknowledged

8801354330

Credit

Excessive LTV Ratio

XXX% LTV > XXX% limit for XXX.

Hi, please see attached Exception.

03/27/2025

20250328: Exception approval received.

03/28/2025

DSCR X.XX+, XXX FICO, XxXXxXX housing history

N/A

400103891

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/27/2025

Resolved

2503150549-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103989

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/28/2025

Resolved

2502147769-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103990

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/28/2025

Resolved

2502147777-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103969

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/28/2025

Resolved

2502148012-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103979

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/28/2025

Resolved

2503149261-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103974

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/28/2025

Resolved

2502148528-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103984

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/28/2025

Resolved

2502146100-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103977

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/31/2025

Resolved

2503149316-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103924

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/31/2025

Resolved

2503149343-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103967

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/31/2025

Resolved

8822003258

Credit

Title Insurance Coverage - Inadequate Coverage

$XXX title insurance coverage < $XXX minimum coverage required.

uploaded

03/31/2025

20250331: Updated title insurance with correct amount of coverage

03/31/2025

N/A

400103921

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/31/2025

Resolved

2503149880-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103991

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/31/2025

Resolved

2503149229-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103970

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/31/2025

Resolved

2503149278-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103901

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

03/31/2025

Resolved

2503151496-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103963

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/01/2025

Resolved

2503149405-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103978

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/01/2025

Resolved

8835358368

Credit

Insufficient Assets to Close

$XXX assets < $XXX minimum liquidity required. Please provide additional assets.

Doc uploaded

04/09/2025

20250410: Received final HUD removing cash to close. Assets are sufficient.
20250404: Asset breakdown as follows: $XXX cash to close + $XXX three months' reserves = $XXX total required liquidity. Please provide additional assets.

04/10/2025

N/A

400103983

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/01/2025

Resolved

2502148327-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103973

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/01/2025

Resolved

2502146198-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103962

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/01/2025

Resolved

8834392975

Property

Subject Property Lease - Missing or Defective

Lease Agreement Amendment in file on page 46 is not executed by the borrower. Please provide fully executed lease amendment.

please see lease addendum attached, executed by tenant and landlord. TY

04/01/2025

20250402: Received fully executed lease amendment.

04/02/2025

N/A

400103965

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/01/2025

Resolved

2502146198-6

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103954

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/01/2025

Resolved

2502146198-9

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103890

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/01/2025

Resolved

8836609165

Property

Appraisal Review - Missing

Missing appraisal review for subject property located at: XXX

Please review CDA. Thank you!

04/02/2025

20250404: Received appraisal review.

04/04/2025

N/A

400103980

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2412142305-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103911

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2503149310-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103972

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2503149757-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103952

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2503149780-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103918

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

8845786660

Credit

Insufficient Assets for Reserves

$XXX assets < $XXX minimum assets required. Please provide additional assets.

Hi, please see attached VODs.
Hi, there were Gifts of $XXX that was sent directly to Title. That means the borrower just need to come in with $XXX. So we have $XXX in assets for reserves.

04/08/2025

20250409: Received updated assets.
20250404: After gift of equity of $XXX, assets are still short $XXX. Asset breakdown as follows: $XXX XXX #XXX + $XXX XXX #XXX + $XXX XXX #XXX + $XXX gift funds = $XXX total available liquidity. Total required liquidity breakdown: $XXX cash to close + $XXX three months' reserves = $XXX total required liquidity. Please provide additional assets.

04/09/2025

N/A

400103971

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

8843264253

Credit

Insufficient Assets to Close

$XXX assets < $XXX minimum liquidity required. Please provide additional assets.

The remaining balance of $ XXX after purchase of cashiers check for closing costs is more than sufficient to cover XXX month reserve. DSCR doesn’t require reserves for other financed properties, so we only need XXX months for the subject on this one. requirement of $XXX.

04/02/2025

20250404: Rescind. Cashier check in file used for closing costs, assets are sufficient.

04/04/2025

N/A

400103876

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

8846748893

Credit

Deed Missing or Defective

Missing conveyance deed from XXX XXX XXXXX, XXX XXX XXXXX, XXX XXX XXX XXX and XXX XXX XXX to XXX XXX XXX

Requested doc uploaded

04/03/2025

20250404: Received conveyance deed.

04/04/2025

N/A

400103968

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2502148272-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103879

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

8845720082

Credit

Title Insurance Missing or Defective

Provided title insurance is a preliminary policy with no mortgagee clause and Insured amount. Please provide a title supplement or updated title insurance to meet guideline requirements.

Please see attached Title Supplement.

04/03/2025

20250404: Received updated title insurance.

04/04/2025

N/A

400103964

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2502146836-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103887

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

8846629361

Credit

Title Insurance Missing or Defective

Provided title insurance is a preliminary policy with no mortgagee clause and Insured amount. Please provide a title supplement or updated title insurance to meet guideline requirements.

Please see attached Title Supplement.

04/03/2025

20250404: Received updated title insurance.

04/04/2025

N/A

400103904

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2503151691-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103955

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2503150973-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103957

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2503149895-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103987

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/02/2025

Resolved

2503149902-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103958

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2501143351-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103958

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2501143351-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103889

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2503149389-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103905

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2503149628-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103981

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Acknowledged

8856373538

Property

Ineligible Property – Square Footage

Units 3 and 4 of subject property contain less than 400 square feet. Per UWG, each unit must contain a minimum of 400 square footage.

exception letter in file

04/04/2025

20250407: Exception approval received.

04/07/2025

XXX FICO, XxXXxXX

N/A

400103906

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2503151516-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103909

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2503152055-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103878

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

8856140645

Credit

Closing Disclosure/Settlement Statement Missing or Defective

HUD displays payoff for XXX account #XXX IAO $XXX. Per mortgage statements in file, mortgage account is secured by borrower's primary residence located at XXX. Please provide updated HUD removing payoff.

please see final settlement statement stamped by title/escrow company. payoff not listed.

04/03/2025

20250404: Received updated HUD removing payoff.

04/04/2025

N/A

400103953

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2502148037-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103880

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2503149205-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103877

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2502148660-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103900

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2502147288-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103881

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2503149533-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103907

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/03/2025

Resolved

2503149666-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103899

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/04/2025

Resolved

2502148502-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103897

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/04/2025

Resolved

2503151902-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103888

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/07/2025

Resolved

8865934923

Credit

Title Insurance Missing or Defective

Provided title insurance is a preliminary policy with lender's name and insured amount missing. Please provide a title supplement or updated title insurance to meet guideline requirements.

Uploaded

04/09/2025

20250410: Received updated title insurance.

04/10/2025

N/A

400103886

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/07/2025

Resolved

2412141978-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103908

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/07/2025

Resolved

2503150676-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103883

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/07/2025

Resolved

2503149324-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103893

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/08/2025

Resolved

2503149455-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103895

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/08/2025

Resolved

2503149841-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103870

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/08/2025

Resolved

2503149544-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103892

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/08/2025

Resolved

2503149144-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103922

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/08/2025

Resolved

2503149160-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103915

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/08/2025

Resolved

2503149616-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103898

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/08/2025

Resolved

2503149269-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103874

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/08/2025

Resolved

2503149336-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103902

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/09/2025

Resolved

2503149771-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103896

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/09/2025

Resolved

2502149061-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103914

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/09/2025

Resolved

2503151202-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103920

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/11/2025

Resolved

2502148424-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103885

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/11/2025

Resolved

2501145237-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103871

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/11/2025

Resolved

2503151379-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103903

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/11/2025

Resolved

2503151509-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103923

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/11/2025

Resolved

2503151639-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103894

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/11/2025

Resolved

2503151706-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103875

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/11/2025

Resolved

2503150885-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103873

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/11/2025

Resolved

2503150944-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103882

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/14/2025

Resolved

2502147466-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400103919

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM Exempt

Complete

04/14/2025

Resolved

2503151535-1

Credit

No Findings

The loan meets all applicable guidelines

N/A

400097222

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

03/13/2025

Resolved

FCRE1159

Credit

Hazard Insurance Effective Date is after the Disbursement Date

Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX. Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX.

Document Uploaded. Loan funded XX/XX. Please see Final Settlement statement.

03/17/2025

Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Disbursement Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided.; Updated settlement statement

03/17/2025

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has X.XX years on job.

400097222

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

03/13/2025

Resolved

FPRO8998

Property

No Property Findings

No Property Findings. Property and valuations related findings were not identified on the loan.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has X.XX years on job.

400097222

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

03/13/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has X.XX years on job.

400097336

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

03/18/2025

Resolved

FCRE8999

Credit

No Credit Findings

No credit findings. The loan meets all applicable credit guidelines.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Borrower has stable job time - Borrower has X.XX years on job.

400097336

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

03/18/2025

Resolved

FPRO8998

Property

No Property Findings

No property findings. Property and valuations related findings were not identified on the loan.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Borrower has stable job time - Borrower has X.XX years on job.

400097336

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

03/18/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Borrower has stable job time - Borrower has X.XX years on job.

400097358

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

03/25/2025

Resolved

FPRO8998

Property

No Property Findings

No Property Findings. Property and valuations related findings were not identified on the loan.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Borrower has stable job time - Borrower has X.XX years on job.

400097358

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

03/25/2025

Resolved

FCRE8999

Credit

No Credit Findings

No Credit Findings. The loan meets all applicable credit guidelines.

400103934

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/02/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%

400103934

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/02/2025

Resolved

FCRE8999

Credit

No Credit Findings

No Credit Findings. The loan meets all applicable credit guidelines.

400103934

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/02/2025

Resolved

FPRO8998

Property

No Property Findings

No Property Findings. Property and valuations related findings were not identified on the loan.

400103866

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

04/03/2025

Resolved

FPRO8998

Property

No Property Findings

No property findings. Property and valuations related findings were not identified on the loan.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%

Borrower has stable job time - Borrower has X.XX years on job.

400103866

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

04/03/2025

Resolved

FCRE8999

Credit

No Credit Findings

No credit findings. The loan meets all applicable credit guidelines.

400103866

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

ATR/QM: Exempt

Loan Review Complete

04/02/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

400103942

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103942

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103942

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103939

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCRE1151

Credit

Satisfactory Chain of Title not Provided

Unsatisfactory Chain of Title provided The title commitment referenced a Special Warranty Deed as part of the chain of title, but a copy was not included in the loan file. Please provide a copy of the Special Warranty Deed recorded in/under the County’s Clerk’s File No. XXX.

Document Uploaded.

04/09/2025

Satisfactory Chain of Title has been provided

04/11/2025

Borrower has stable job time - Borrower has X.X years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103939

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCRE9785

Credit

Purchase Contract is Incomplete

Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Amendment to contract is missing the Seller’s signature.

Document Uploaded.

04/09/2025

Purchase Contract Doc is complete.

04/11/2025

Borrower has stable job time - Borrower has X.X years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103939

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCRE1491

Credit

Asset Qualification Does Not Meet Guideline Requirements

Asset Qualification Does Not Meet Guideline Requirements Per Guidelines, if business funds are used, the borrower may use a maximum of their percentage of ownership as qualifying assets, but If funds needed exceed the maximum percentage of ownership, XXX% access letter is required. The most recent statement for the business account #XXX with XXX shows a current balance of $XXX, which is equivalent to $XXX at XXX% of the verified Borrower’s ownership percentage. This amount does not cover the required cash to close of $XXX, 30-day account balance of $XXX and 3-months reserves of $XXX, totaling $XXX. Please provide a letter from the co-owner of the business granting XXX% access to all the funds.

Document Uploaded.

04/09/2025

Asset Qualification Meets Guideline Requirements

04/11/2025

Borrower has stable job time - Borrower has X.X years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103939

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

finding-3352

Compliance

Higher-Priced Mortgage Loan Test

This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded

HPML compliant

04/04/2025

Borrower has stable job time - Borrower has X.X years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103939

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Borrower has stable job time - Borrower has X.X years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM9799

Compliance

TRID: Closing disclosure loan terms- Prepayment Penalty

Closing disclosure loan terms- Prepayment Penalty Indicator (No) does not match Note (null). Missing Final CD and Note

uploaded closing package to clear all missing items.

04/09/2025

Note and Final CD Prepayment Penalty indicators match

04/11/2025

Borrower has stable job time - Borrower has XX.X years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM1544

Compliance

TRID: Missing Closing Disclosure

TRID: Missing Final Closing Disclosure Missing Final CD. Please provide Copy of Note for testing

TRID: Final Closing Disclosure Provided

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM3849

Compliance

Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1))

The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. Missing copy of final CD, Note and DOT.

Evidence of appraisal delivery provided.

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM1621

Compliance

Missing Initial Escrow Disclosure

Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is Missing

Initial Escrow Account Disclosure is Resolved

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM1280

Compliance

Collateral Protection Notice is Missing

Collateral Protection Notice was not provided. TX Collateral Protection Notice was not provided.

Collateral Protection Notice was provided.

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM1227

Credit

PUD Rider is Missing

PUD Rider is Missing Missing PUD Rider.

Document Uploaded.

04/11/2025

The XXX is Present or is Not Applicable (Property Type is XXX); Exception Resolved and added to DOT page

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCRE1159

Credit

Hazard Insurance Effective Date is after the Disbursement Date

Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX. Missing Final CD to determine disbursement date.

complete closing package uploaded to document uploads

04/11/2025

Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Disbursement Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided.; Exception resolved with uploaded updated Final CD.

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCRE1104

Credit

Maturity Date is not the first of the month

Maturity Date is not the first day of the month Note is missing

uploaded closing package to uploads to clear all open conditions

04/09/2025

Maturity Date is the first day of the month

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM1206

Credit

The Note is Missing

The Note is Missing. Note is missing

closing package uploaded to uploads to clear conditions

04/09/2025

The Note is Present.

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM1220

Credit

The Deed of Trust is Missing

The Deed of Trust is Missing Missing mortgage document.

Document Uploaded.

04/11/2025

The Deed of Trust is Present

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM1232

Credit

The Final 1003 is Missing

The Final 1003 is Missing Missing Final 1003.

The Final 1003 is Present;

04/11/2025

400103928

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/03/2025

Resolved

FCOM3592

Credit

Missing Taxpayer First Act Disclosure

Taxpayer First Act Disclosure is missing. Missing Taxpayer First Act Disclosure.

closing loan package uploaded to documents

04/11/2025

Taxpayer First Act Disclosure is provided

04/11/2025

400103951

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/04/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

400103951

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/04/2025

Resolved

FCRE8999

Credit

No Credit Findings

No Credit Findings. The loan meets all applicable credit guidelines.

400103951

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/04/2025

Resolved

FPRO8998

Property

No Property Findings

No Property Findings. Property and valuations related findings were not identified on the loan.

400103841

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/04/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

400103841

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/04/2025

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

400103841

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/04/2025

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

400103943

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/07/2025

Resolved

FPRO9990

Property

Third Party Valuation Product Not Provided within 10% Tolerance

Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance.

Document Uploaded.

04/10/2025

Third party valuation product provided within tolerance.

04/11/2025

Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103943

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/07/2025

Resolved

finding-3352

Compliance

Higher-Priced Mortgage Loan Test

HPML compliant

04/07/2025

Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103943

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/07/2025

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Borrower has stable job time - Borrower has X.XX years on job.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

400103863

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/07/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%

Borrower has stable job time - Borrower has X.XX years on job.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

400103863

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/08/2025

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

400103863

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/08/2025

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

400103851

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/09/2025

Resolved

finding-3352

Compliance

Higher-Priced Mortgage Loan Test

HPML compliant

04/10/2025

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Borrower has stable job time - Borrower has XX.XX years on job.

400103851

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/09/2025

Resolved

finding-2962

Compliance

XXX XXX 260 Higher-Priced Mortgage Loan Test

This loan failed the XXX XXX 260 higher-priced mortgage loan test. (XXX XXX 260, XXX XXX Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded

HPML compliant

04/10/2025

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Borrower has stable job time - Borrower has XX.XX years on job.

400103851

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/09/2025

Resolved

FPRO8998

Property

No Property Findings

No Property Findings. Property and valuations related findings were not identified on the loan.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Borrower has stable job time - Borrower has XX.XX years on job.

400103851

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/09/2025

Resolved

FCRE8999

Credit

No Credit Findings

No Credit Findings. The loan meets all applicable credit guidelines.

Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%

Borrower has stable job time - Borrower has XX.XX years on job.

400103843

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/10/2025

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has X.XX years on job.

400103843

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/10/2025

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

400103843

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/10/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

400103849

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/11/2025

Resolved

FCRE8999

Credit

No Credit Findings

The loan meets all applicable credit guidelines.

Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX

Borrower has stable job time - Borrower has XX.XX years on job.

Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%

Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%

400103849

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/11/2025

Resolved

FPRO8998

Property

No Property Findings

Property and valuations related findings were not identified on the loan.

400103849

XXXXX

XXX

XXXXX

XX/XX/XXXX

$XXXXXX

XXX

Non-QM: Lender documented all ATR UW factors

Loan Review Complete

04/11/2025

Resolved

FCOM8997

Compliance

No Compliance Findings

The loan is in compliance with all applicable laws and regulations.

Loan ID

Loan Number

Settlement Date

QM Type

Guideline Name

UW Guideline Author

UW Guideline Version Date

UW Guideline Matrix Name

UW Guideline Matrix Date

QM Regulation Failures

Bedroom Count

Approval Status

Correspondent Name

Pool

Application Date

Note Date

Maturity Date

Loan Status

Loan Type

Product Type

Agency ID

TRID

ARM Hybrid Period

Number of Borrowers

Borrower 1 First Name

Borrower 1 Middle Name

Borrower 1 Last Name

Borrower 2 First Name

Borrower 2 Middle Name

Borrower 2 Last Name

Borrower 3 First Name

Borrower 3 Middle Name

Borrower 3 Last Name

Borrower 4 First Name

Borrower 4 Middle Name

Borrower 4 Last Name

Borrower Employment Indicator

Co Borrower Employment Indicator

Borrower 1 Job

Job Yrs Borrower 1

Borrower 2 Job

Job Yrs Borrower 2

Borrower 3 Job

Job Yrs Borrower 3

Borrower 4 Job

Job Yrs Borrower 4

Borrower 1 Occupation

Borrower 1 Years In Field

Borrower 2 Occupation

Borrower 2 Years In Field

Borrower 3 Occupation

Borrower 3 Years In Field

Borrower 4 Occupation

Borrower 4 Years In Field

Borrower 3 Income Verification Level

Borrower 4 Income Verification Level

Borrower 3 Employment Verification Level

Borrower 4 Employment Verification level

Borrower 1 First Time Buyer

Borrower 2 First Time Buyer

Borrower 3 First Time Buyer

Borrower 4 First Time Buyer

Representative Decision FICO Score

Borrower 3 Original FICO Equifax

Borrower 3 Original FICO Experian

Borrower 3 Original FICO Transunion

Borrower 4 Original FICO Equifax

Borrower 4 Original FICO Experian

Borrower 4 Original FICO Transunion

Borrower 1 Citizenship

Borrower 2 Citizenship

Borrower 3 Citizenship

Borrower 4 Citizenship

Documentation Type

Delayed Financing Flag

Asset Depletion Flag

Bank Statements Flag

Number of Statements

Type of Statements

Percent of Income From Statements

Months of Personal Bank Statements

Months of Business Bank Statements

Months of Business & Personal Bank Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

P&L Type

Months of Profit and Loss Statements

CPA Letter Flag

Expense letter Flag

Number of Months CPA Verified Income

WVOE Flag

Number of Months WVOE

Borrower Years of W2s

CoBorrower Years of W2s

1- year Tax Return Flag

Years of Tax Transcripts

Years of Personal Tax Returns

Years of Business Tax Returns

Years of 4506T

Front HTI Ratio

Back DTI Ratio

Borrower 3 Asset Verification Level

Borrower 4 Asset Verification Level

Liquid Assets

Total Assets

Reserves

Property Street Address

City

State

County

Zip

MI Company Name

Mortgage Insurance

MI Coverage Amount

MI Certificate Number

Flood Insurance Provided

Flood Policy Amount

Flood Expiration Date

Name of Flood Insurer

Flood Policy Number

Monthly Flood Payment

Flood Coverage Amount

Flood Policy Active

Flood Coverage Adeq

Flood Map Panel

Flood Mapped Date

Flood Certificate Number

Flood Certificate Date

Flood Vendor Name

Flood Zone

Flood Community

Flood Contract Type

Flood Program Type

Hazard Policy Amount

Hazard Expiration Date

Hazard Insurer Name

Hazard Policy Number

Hazard Coverage Amount

Hazard Coverage Active

Hazard Coverage Adeq

Times 30 Days DQ on Prior Mortgage

Times 60 Days DQ on Prior Mortgage

Times 90 Days DQ on Prior Mortgage

Prior Bankruptcy Flag

Bankruptcy Filing Date

Prior Bankruptcy Chapter

Prior bankruptcy Discharge Date

Ever In Foreclosure

Most Recent Foreclosure Date

Number of Foreclosure Events

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)

Origination Lender

Late Charge Type

Late Charges Percent

APR

Temporary Buydown Flag

T4506 Income Supported

Total Subject Housing Fully Indexed

Qualifying Fully Indexed P&I

Total Subject Housing

Original P&I

PITI

T&I

HOA

Primary Housing Payment

Second Mortgage Payment

Months Reserves

Other Liens Payment

Silent Second Lien Flag

Second Lien Amount

Lease in Place 1007/Lease in file

Market Rents

Subject Rental Income

Approved DSCR

Investment/No Ratio DSCR

LLC Flag

LLC Name

Short Term Rental

Declining Market

Guarantor

Units

Borrower SSN

Co Borrower SSN

Tax Payment

Residual Income

Times 30 Days DQ on 12 Prior Months of Current Mortgage History

Times 60 Days DQ on 12 Prior Months of Current Mortgage History

Times 90 Days DQ on 12 Prior Months of Current Mortgage History

Condo Project Classification

Default Note Rate Provision

MERS Number

400103976

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400104003

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

XX/XX/XXXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097523

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097437

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097247

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097241

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.03

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097469

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097237

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097514

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103985

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097515

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097251

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097324

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.04

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097561

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097392

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097283

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097461

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097500

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097250

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097408

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103960

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.10

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

Yes

XXX

400103961

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.10

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

Yes

XXX

400097264

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097407

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097579

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400104004

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103988

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097375

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097504

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097304

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097498

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097427

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103959

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103917

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097451

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097285

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097360

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097276

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097229

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103916

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400097573

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097311

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103912

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103986

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103992

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103975

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103966

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103891

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103984

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103989

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103990

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103969

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103974

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103979

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103967

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103991

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103970

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103977

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103924

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103921

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103901

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103965

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103978

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103973

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103983

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103954

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103962

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103963

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103890

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103980

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103971

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103964

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103887

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103968

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103879

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103911

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.03

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103918

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103876

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103972

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103952

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103957

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103987

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103955

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103904

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103958

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103900

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103953

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103877

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103981

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103880

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103889

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103878

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103881

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103905

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

XX/XX/XXXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103907

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103906

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103909

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103899

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103897

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103888

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103908

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103883

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103886

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103892

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103922

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103898

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103874

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103893

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103870

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103915

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103895

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103914

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103902

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103896

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103885

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed IO

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103920

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103875

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.04

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103873

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103871

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103903

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103923

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103894

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.04

XXX

Not Applicable

$XXX

XXX

Yes

$XXX

XXX

$XXX

XXX

400103882

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400103919

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Approved

XX/XX/XXXX

Complete

DSCR

30 Year Fixed

XXX

XXXXX

XXX

Debt Service Coverage Ratio

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

Not Applicable

$XXX

XXX

$XXX

XXX

$XXX

XXX

400097222

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

$XXX

XXX

$XXX

XXX

400097336

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400097358

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

$XXX

XXX

$XXX

XXX

400103934

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

XXXXX

XXX

1YR Full Doc

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103866

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

$XXX

XXX

$XXX

XXX

400103942

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

240

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103939

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103928

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

262

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103951

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103841

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Personal

100

XXX

Yes

120

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103943

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103863

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103851

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103843

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

400103849

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

Appendix Q Documentation

XXX

Approved

XXX

XX/XX/XXXX

Cleared

Conventional

30 Year Fixed

Yes

XXX

XXXXX

XXX

12 Month Bank Statement

Yes

Business

100

XXX

Yes

XXX

$XXX

XXX

XX/XX/XXXX

XXX

XX/XX/XXXX

XXX

Life of Loan

Regular Program

$XXX

XX/XX/XXXX

XXX

$XXX

XXX

Percent

0.05

XXX

$XXX

XXX

$XXX

XXX

Loan Number

Seller Loan ID

Investor Loan ID

Original Loan Amount

Initial Credit Loan Grades DBRS

Initial Credit Loan Grades Fitch

Initial Credit Loan Grades Kroll

Initial Credit Loan Grades Moody's

Initial Credit Loan Grades S&P

Initial Compliance Loan Grades DBRS

Initial Compliance Loan Grades Fitch

Initial Compliance Loan Grades Kroll

Initial Compliance Loan Grades Moody's

Initial Compliance Loan Grades S&P

Initial Property Loan Grades DBRS

Initial Property Loan Grades Fitch

Initial Property Loan Grades Kroll

Initial Property Loan Grades Moody's

Initial Property Loan Grades S&P

Initial Overall Loan Grades DBRS

Initial Overall Loan Grades Fitch

Initial Overall Loan Grades Kroll

Initial Overall Loan Grades Moody's

Initial Overall Loan Grades S&P

Final Credit Loan Grades DBRS

Final Credit Loan Grades Fitch

Final Credit Loan Grades Kroll

Final Credit Loan Grades Moody's

Final Credit Loan Grades S&P

Final Compliance Loan Grades DBRS

Final Compliance Loan Grades Fitch

Final Compliance Loan Grades Kroll

Final Compliance Loan Grades Moody's

Final Compliance Loan Grades S&P

Final Property Loan Grades DBRS

Final Property Loan Grades Fitch

Final Property Loan Grades Kroll

Final Property Loan Grades Moody's

Final Property Loan Grades S&P

Final Overall Loan Grades DBRS

Final Overall Loan Grades Fitch

Final Overall Loan Grades Kroll

Final Overall Loan Grades Moody's

Final Overall Loan Grades S&P

400103976

XXXXX

$XXXXXX

N/A

400104003

XXXXX

$XXXXXX

N/A

400097523

XXXXX

$XXXXXX

N/A

400097437

XXXXX

$XXXXXX

N/A

400097247

XXXXX

$XXXXXX

N/A

400097241

XXXXX

$XXXXXX

N/A

400097469

XXXXX

$XXXXXX

N/A

400097237

XXXXX

$XXXXXX

N/A

400097514

XXXXX

$XXXXXX

N/A

400103985

XXXXX

$XXXXXX

N/A

400097515

XXXXX

$XXXXXX

N/A

400097251

XXXXX

$XXXXXX

N/A

400097324

XXXXX

$XXXXXX

N/A

400097561

XXXXX

$XXXXXX

N/A

400097392

XXXXX

$XXXXXX

N/A

400097283

XXXXX

$XXXXXX

N/A

400097461

XXXXX

$XXXXXX

N/A

400097500

XXXXX

$XXXXXX

N/A

400097250

XXXXX

$XXXXXX

N/A

400097408

XXXXX

$XXXXXX

N/A

400103960

XXXXX

$XXXXXX

N/A

400103961

XXXXX

$XXXXXX

N/A

400097264

XXXXX

$XXXXXX

N/A

400097407

XXXXX

$XXXXXX

N/A

400097579

XXXXX

$XXXXXX

N/A

400104004

XXXXX

$XXXXXX

N/A

400103988

XXXXX

$XXXXXX

N/A

400097375

XXXXX

$XXXXXX

N/A

400097504

XXXXX

$XXXXXX

N/A

400097304

XXXXX

$XXXXXX

N/A

400097498

XXXXX

$XXXXXX

N/A

400097427

XXXXX

$XXXXXX

N/A

400103959

XXXXX

$XXXXXX

N/A

400103917

XXXXX

$XXXXXX

N/A

400097451

XXXXX

$XXXXXX

N/A

400097285

XXXXX

$XXXXXX

N/A

400097360

XXXXX

$XXXXXX

N/A

400097276

XXXXX

$XXXXXX

N/A

400097229

XXXXX

$XXXXXX

N/A

400103916

XXXXX

$XXXXXX

N/A

400097573

XXXXX

$XXXXXX

N/A

400097311

XXXXX

$XXXXXX

N/A

400103912

XXXXX

$XXXXXX

N/A

400103986

XXXXX

$XXXXXX

N/A

400103992

XXXXX

$XXXXXX

N/A

400103975

XXXXX

$XXXXXX

N/A

400103966

XXXXX

$XXXXXX

N/A

400103891

XXXXX

$XXXXXX

N/A

400103984

XXXXX

$XXXXXX

N/A

400103989

XXXXX

$XXXXXX

N/A

400103990

XXXXX

$XXXXXX

N/A

400103969

XXXXX

$XXXXXX

N/A

400103974

XXXXX

$XXXXXX

N/A

400103979

XXXXX

$XXXXXX

N/A

400103967

XXXXX

$XXXXXX

N/A

400103991

XXXXX

$XXXXXX

N/A

400103970

XXXXX

$XXXXXX

N/A

400103977

XXXXX

$XXXXXX

N/A

400103924

XXXXX

$XXXXXX

N/A

400103921

XXXXX

$XXXXXX

N/A

400103901

XXXXX

$XXXXXX

N/A

400103965

XXXXX

$XXXXXX

N/A

400103978

XXXXX

$XXXXXX

N/A

400103973

XXXXX

$XXXXXX

N/A

400103983

XXXXX

$XXXXXX

N/A

400103954

XXXXX

$XXXXXX

N/A

400103962

XXXXX

$XXXXXX

N/A

400103963

XXXXX

$XXXXXX

N/A

400103890

XXXXX

$XXXXXX

N/A

400103980

XXXXX

$XXXXXX

N/A

400103971

XXXXX

$XXXXXX

N/A

400103964

XXXXX

$XXXXXX

N/A

400103887

XXXXX

$XXXXXX

N/A

400103968

XXXXX

$XXXXXX

N/A

400103879

XXXXX

$XXXXXX

N/A

400103911

XXXXX

$XXXXXX

N/A

400103918

XXXXX

$XXXXXX

N/A

400103876

XXXXX

$XXXXXX

N/A

400103972

XXXXX

$XXXXXX

N/A

400103952

XXXXX

$XXXXXX

N/A

400103957

XXXXX

$XXXXXX

N/A

400103987

XXXXX

$XXXXXX

N/A

400103955

XXXXX

$XXXXXX

N/A

400103904

XXXXX

$XXXXXX

N/A

400103958

XXXXX

$XXXXXX

N/A

400103900

XXXXX

$XXXXXX

N/A

400103953

XXXXX

$XXXXXX

N/A

400103877

XXXXX

$XXXXXX

N/A

400103981

XXXXX

$XXXXXX

N/A

400103880

XXXXX

$XXXXXX

N/A

400103889

XXXXX

$XXXXXX

N/A

400103878

XXXXX

$XXXXXX

N/A

400103881

XXXXX

$XXXXXX

N/A

400103905

XXXXX

$XXXXXX

N/A

400103907

XXXXX

$XXXXXX

N/A

400103906

XXXXX

$XXXXXX

N/A

400103909

XXXXX

$XXXXXX

N/A

400103899

XXXXX

$XXXXXX

N/A

400103897

XXXXX

$XXXXXX

N/A

400103888

XXXXX

$XXXXXX

N/A

400103908

XXXXX

$XXXXXX

N/A

400103883

XXXXX

$XXXXXX

N/A

400103886

XXXXX

$XXXXXX

N/A

400103892

XXXXX

$XXXXXX

N/A

400103922

XXXXX

$XXXXXX

N/A

400103898

XXXXX

$XXXXXX

N/A

400103874

XXXXX

$XXXXXX

N/A

400103893

XXXXX

$XXXXXX

N/A

400103870

XXXXX

$XXXXXX

N/A

400103915

XXXXX

$XXXXXX

N/A

400103895

XXXXX

$XXXXXX

N/A

400103914

XXXXX

$XXXXXX

N/A

400103902

XXXXX

$XXXXXX

N/A

400103896

XXXXX

$XXXXXX

N/A

400103885

XXXXX

$XXXXXX

N/A

400103920

XXXXX

$XXXXXX

N/A

400103875

XXXXX

$XXXXXX

N/A

400103873

XXXXX

$XXXXXX

N/A

400103871

XXXXX

$XXXXXX

N/A

400103903

XXXXX

$XXXXXX

N/A

400103923

XXXXX

$XXXXXX

N/A

400103894

XXXXX

$XXXXXX

N/A

400103882

XXXXX

$XXXXXX

N/A

400103919

XXXXX

$XXXXXX

N/A

400097222

XXXXX

$XXXXXX

400097336

XXXXX

$XXXXXX

400097358

XXXXX

$XXXXXX

400103934

XXXXX

$XXXXXX

400103866

XXXXX

$XXXXXX

400103942

XXXXX

$XXXXXX

400103939

XXXXX

$XXXXXX

400103928

XXXXX

$XXXXXX

400103951

XXXXX

$XXXXXX

400103841

XXXXX

$XXXXXX

400103943

XXXXX

$XXXXXX

400103863

XXXXX

$XXXXXX

400103851

XXXXX

$XXXXXX

400103843

XXXXX

$XXXXXX

400103849

XXXXX

$XXXXXX

Loan ID

Seller Loan ID

Investor Loan ID

Note Date

Original Loan Amount

Sales Price

Total Adjusted Prior Purchase Price

Primary Appraised Value

Primary Appraisal Date

Primary Appraisal Type

Value for LTV

LTV

CLTV

Loan Reviewed Property Value

Loan Reviewed Variance Amount

Loan Reviewed Variance Percent

Loan Reviewed Product Type

Loan Post-Close Reviewed Property Value

Loan Post-Close Reviewed Variance Amount

Loan Post-Close Reviewed Variance Percent

Loan Post-Close Reviewed Product Type

Second Appraisal Value

Second Appraisal Variance Amount

Second Appraisal Variance Percent

Second Appraisal Date

Second Appraisal Type

AVM Appraised Value

AVM Variance Amount

AVM Variance Percent

AVM Confidence Score

FSD Score

AVM Company Name

AVM Product Name

AVM Appraisal Date

Desk Review Appraised Value

Desk Review Variance Amount

Desk Review Variance Percent

Desk Review Company

Desk Review Risk Score

Desk Review Appraisal Date

Second Desk Review Variance Amount

Second Desk Review Variance Percent

Second Desk Review Appraisal Date

Second Desk Review Appraised Value

Desk Top Appraised Value

Desk Top Variance Amount

Desk Top Variance Percent

Desk Top Company

Desk Top Appraisal Date

BPO Appraised Value

BPO Variance Amount

BPO Variance Percent

BPO Company

BPO Appraisal Date

Field Review Appraised Value

Field Review Variance Amount

Field Review Variance Percent

Field Review Company

Field Review Appraisal Date

2055 Appraised Value

2055 Variance Amount

2055 Variance Percent

2055 Company

2055 Appraisal Date

AVE/CMA Appraised Value

AVE/CMA Variance Amount

AVE/CMA Variance Percent

AVE/CMA Company

AVE/CMA Appraisal Date

Other Appraised Value

Other Variance Amount

Other Variance Percent

Other Appraisal Date

Updated Appraised Value

Updated Variance Amount

Updated Variance Percent

Updated Company

Updated Appraisal Date

Updated Appraisal Type

Loan Collateral Advisor Risk Score

Loan Collateral Advisor Risk Score Date

Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?

Collateral Underwriter Risk Score

Collateral Underwriter Risk Score Date

400103976

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

3.4

400104003

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

50.89%

Eligible

400097523

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

74.95%

Eligible

400097437

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

2.6

400097247

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

68.57%

Eligible

400097241

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400097469

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

XX/XX/XXXX

1004D

Eligible

1.2

400097237

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

48.74%

Eligible

400097514

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

4.3

400103985

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400097515

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

69.17%

Eligible

2.3

400097251

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

65.00%

Eligible

1.9

400097324

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

65.00%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Not Eligible

400097561

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

3.8

400097392

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

63.45%

Eligible

1.9

400097283

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XX/XX/XXXX

URAR Form 1004 Form 70

$XXX

XX/XX/XXXX

1004D

Eligible

1.4

400097461

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1073

$XXX

80.00%

Eligible

2.2

400097500

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400097250

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

30.77%

Eligible

400097408

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400103960

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Not Eligible

400103961

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400097264

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

-8.45%

XXX

XX/XX/XXXX

Not Eligible

4.1

400097407

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

60.86%

Eligible

400097579

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

68.51%

$XXX

-7.69%

XXX

XX/XX/XXXX

Not Eligible

400104004

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103988

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400097375

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

2.1

400097504

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

61.90%

$XXX

-5.17%

XXX

XX/XX/XXXX

Not Eligible

2.7

400097304

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400097498

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400097427

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

Eligible

400103959

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

3.7

400103917

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400097451

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

$XXX

-4.26%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Eligible

400097285

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400097360

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

-9.09%

XXX

XX/XX/XXXX

Not Eligible

400097276

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Not Eligible

3.9

400097229

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

1.7

400103916

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

Eligible

1.7

400097573

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

1.7

400097311

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1073

$XXX

34.48%

Eligible

1.8

400103912

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103986

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

79.28%

$XXX

0.00%

XXX

XX/XX/XXXX

Eligible

2.3

400103992

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

28.09%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103975

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

65.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103966

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400103891

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

60.00%

$XXX

0.29%

XX/XX/XXXX

URAR Form 1004 Form 70

Eligible

1.6

400103984

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103989

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400103990

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400103969

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

1.6

400103974

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Not Eligible

400103979

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

XX/XX/XXXX

1004D

Eligible

400103967

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

72.73%

Eligible

400103991

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

16.47%

Eligible

1.7

400103970

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

54.67%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103977

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400103924

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

69.79%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103921

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

70.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103901

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

64.29%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103965

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

64.53%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Not Eligible

400103978

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

XX/XX/XXXX

1004D

Eligible

1.7

400103973

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

-0.58%

XXX

XX/XX/XXXX

Not Eligible

4.2

400103983

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

60.00%

Eligible

400103954

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1073

$XXX

75.00%

Eligible

400103962

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103963

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Eligible

400103890

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

3.4

400103980

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

70.00%

$XXX

-6.69%

XXX

XX/XX/XXXX

Not Eligible

400103971

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

XX/XX/XXXX

1004D

Eligible

400103964

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400103887

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

63.79%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103968

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400103879

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Eligible

400103911

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103918

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103876

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103972

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

69.96%

Eligible

400103952

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

Eligible

1.2

400103957

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103987

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103955

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

400103904

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

55.56%

Eligible

400103958

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

70.00%

$XXX

-3.13%

XXX

XX/XX/XXXX

Not Eligible

400103900

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Not Eligible

3.8

400103953

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1073

$XXX

70.00%

Eligible

1.5

400103877

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

Eligible

400103981

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103880

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1073

$XXX

80.00%

Eligible

2.5

400103889

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

1.8

400103878

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

55.33%

Eligible

1.4

400103881

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

XX/XX/XXXX

1004D

Eligible

1.8

400103905

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

64.38%

$XXX

0.00%

XXX

XX/XX/XXXX

Eligible

1.4

400103907

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

Eligible

400103906

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103909

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103899

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103897

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Eligible

400103888

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1073

$XXX

41.05%

Eligible

2.5

400103908

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103883

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

3.4

400103886

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

Eligible

400103892

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

63.16%

$XXX

-2.11%

XXX

XX/XX/XXXX

Eligible

2.3

400103922

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103898

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

XX/XX/XXXX

1004D

Eligible

400103874

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

55.65%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103893

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

75.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103870

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

79.06%

Eligible

400103915

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Not Eligible

400103895

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

Eligible

400103914

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

58.57%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103902

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Not Eligible

400103896

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

2.6

400103885

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

70.00%

Eligible

1.4

400103920

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1025

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

400103875

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

77.65%

Eligible

400103873

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103871

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

60.00%

$XXX

0.00%

XXX

XX/XX/XXXX

$XXX

XX/XX/XXXX

1004D

Eligible

400103903

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

79.27%

Eligible

400103923

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

2.6

400103894

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1073

$XXX

70.00%

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

2.7

400103882

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

Eligible

1.5

400103919

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

Form 1073

$XXX

50.00%

Eligible

400097222

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Not Eligible

1.8

400097336

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

$0.00

Desk Review

$XXX

0.00%

XXX

XX/XX/XXXX

Eligible

1.7

400097358

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Not Eligible

2.4

400103934

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

$0.00

Desk Review

$XXX

0.00%

XXX

XX/XX/XXXX

Eligible

3.2

400103866

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

61.11%

Not Eligible

400103942

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

$0.00

Desk Review

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

4.2

400103939

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103928

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Not Eligible

1.5

400103951

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

$XXX

$0.00

Desk Review

$XXX

0.00%

XXX

XX/XX/XXXX

Not Eligible

2.9

400103841

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

400103943

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

78.75%

Not Eligible

400103863

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

1.1

400103851

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

75.00%

$XXX

-$0.02

Desk Review

$XXX

-2.31%

XXX

XX/XX/XXXX

Eligible

3.1

400103843

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

1.9

400103849

XXXXX

XX/XX/XXXX

$XXXXXX

$XXX

XX/XX/XXXX

1004 URAR

$XXX

80.00%

Eligible

Loan ID	Seller Loan ID	Field Name	Verified Value	Bid Tape Value	Comment
400097523	XXXXX	PITIA	XXX	XXX
400097437	XXXXX	PITIA	XXX	XXX
400097437	XXXXX	Qualifying FICO	XXX	XXX
400097247	XXXXX	PITIA	XXX	XXX
400097241	XXXXX	PITIA	XXX	XXX
400097469	XXXXX	PITIA	XXX	XXX
400097237	XXXXX	PITIA	XXX	XXX
400097514	XXXXX	PITIA	XXX	XXX
400097515	XXXXX	PITIA	XXX	XXX
400097251	XXXXX	PITIA	XXX	XXX
400097561	XXXXX	PITIA	XXX	XXX
400097392	XXXXX	Loan Purpose	XXX	XXX
400097392	XXXXX	PITIA	XXX	XXX
400097283	XXXXX	PITIA	XXX	XXX
400097461	XXXXX	PITIA	XXX	XXX
400097500	XXXXX	PITIA	XXX	XXX
400097250	XXXXX	PITIA	XXX	XXX
400097250	XXXXX	Qualifying FICO	XXX	XXX
400097408	XXXXX	PITIA	XXX	XXX
400103960	XXXXX	Sales Price	XXX	XXX
400103960	XXXXX	Original LTV	XXX	XXX
400103961	XXXXX	Sales Price	XXX	XXX
400103961	XXXXX	Original LTV	XXX	XXX
400097264	XXXXX	PITIA	XXX	XXX
400097407	XXXXX	PITIA	XXX	XXX
400097579	XXXXX	P&I	XXX	XXX
400097579	XXXXX	PITIA	XXX	XXX
400104004	XXXXX	PITIA	XXX	XXX
400097375	XXXXX	PITIA	XXX	XXX
400097504	XXXXX	PITIA	XXX	XXX
400097304	XXXXX	PITIA	XXX	XXX
400097498	XXXXX	PITIA	XXX	XXX
400097427	XXXXX	PITIA	XXX	XXX
400097451	XXXXX	PITIA	XXX	XXX
400097285	XXXXX	PITIA	XXX	XXX
400097360	XXXXX	PITIA	XXX	XXX
400097276	XXXXX	PITIA	XXX	XXX
400097229	XXXXX	PITIA	XXX	XXX
400097573	XXXXX	PITIA	XXX	XXX
400097573	XXXXX	Qualifying FICO	XXX	XXX
400097311	XXXXX	PITIA	XXX	XXX
400103912	XXXXX	Closing Date	XX/XX/XXXX	XX/XX/XXXX
400103986	XXXXX	PITIA	XXX	XXX
400103992	XXXXX	PITIA	XXX	XXX
400103975	XXXXX	PITIA	XXX	XXX
400103966	XXXXX	PITIA	XXX	XXX
400103966	XXXXX	Qualifying FICO	XXX	XXX
400103984	XXXXX	PITIA	XXX	XXX
400103989	XXXXX	PITIA	XXX	XXX
400103990	XXXXX	PITIA	XXX	XXX
400103969	XXXXX	PITIA	XXX	XXX
400103974	XXXXX	PITIA	XXX	XXX
400103979	XXXXX	PITIA	XXX	XXX
400103967	XXXXX	P&I	XXX	XXX
400103967	XXXXX	PITIA	XXX	XXX
400103991	XXXXX	PITIA	XXX	XXX
400103970	XXXXX	PITIA	XXX	XXX
400103977	XXXXX	P&I	XXX	XXX
400103977	XXXXX	PITIA	XXX	XXX
400103921	XXXXX	Closing Date	XX/XX/XXXX	XX/XX/XXXX
400103965	XXXXX	PITIA	XXX	XXX
400103978	XXXXX	PITIA	XXX	XXX
400103973	XXXXX	PITIA	XXX	XXX
400103983	XXXXX	PITIA	XXX	XXX
400103954	XXXXX	PITIA	XXX	XXX
400103962	XXXXX	PITIA	XXX	XXX
400103963	XXXXX	PITIA	XXX	XXX
400103890	XXXXX	Qualifying FICO	XXX	XXX
400103980	XXXXX	PITIA	XXX	XXX
400103971	XXXXX	PITIA	XXX	XXX
400103964	XXXXX	PITIA	XXX	XXX
400103887	XXXXX	P&I	XXX	XXX
400103887	XXXXX	PITIA	XXX	XXX
400103887	XXXXX	Monthly Insurance	XXX	XXX
400103968	XXXXX	PITIA	XXX	XXX
400103879	XXXXX	PITIA	XXX	XXX
400103911	XXXXX	PITIA	XXX	XXX
400103911	XXXXX	Qualifying FICO	XXX	XXX
400103918	XXXXX	PITIA	XXX	XXX
400103876	XXXXX	PITIA	XXX	XXX
400103972	XXXXX	PITIA	XXX	XXX
400103952	XXXXX	PITIA	XXX	XXX
400103957	XXXXX	P&I	XXX	XXX
400103957	XXXXX	PITIA	XXX	XXX
400103987	XXXXX	PITIA	XXX	XXX
400103987	XXXXX	Qualifying FICO	XXX	XXX
400103955	XXXXX	PITIA	XXX	XXX
400103904	XXXXX	Closing Date	XX/XX/XXXX	XX/XX/XXXX
400103904	XXXXX	Property Type	XXX	XXX
400103958	XXXXX	PITIA	XXX	XXX
400103900	XXXXX	PITIA	XXX	XXX
400103953	XXXXX	PITIA	XXX	XXX
400103877	XXXXX	Closing Date	XX/XX/XXXX	XX/XX/XXXX
400103877	XXXXX	PITIA	XXX	XXX
400103981	XXXXX	P&I	XXX	XXX
400103981	XXXXX	PITIA	XXX	XXX
400103880	XXXXX	PITIA	XXX	XXX
400103889	XXXXX	PITIA	XXX	XXX
400103878	XXXXX	PITIA	XXX	XXX
400103881	XXXXX	P&I	XXX	XXX
400103881	XXXXX	PITIA	XXX	XXX
400103881	XXXXX	Monthly Insurance	XXX	XXX
400103907	XXXXX	PITIA	XXX	XXX
400103906	XXXXX	Closing Date	XX/XX/XXXX	XX/XX/XXXX
400103899	XXXXX	P&I	XXX	XXX
400103899	XXXXX	PITIA	XXX	XXX
400103897	XXXXX	Closing Date	XX/XX/XXXX	XX/XX/XXXX
400103888	XXXXX	Interest Rate	XXX	XXX
400103888	XXXXX	P&I	XXX	XXX
400103888	XXXXX	PITIA	XXX	XXX
400103908	XXXXX	PITIA	XXX	XXX
400103883	XXXXX	PITIA	XXX	XXX
400103886	XXXXX	PITIA	XXX	XXX
400103892	XXXXX	PITIA	XXX	XXX
400103922	XXXXX	PITIA	XXX	XXX
400103898	XXXXX	PITIA	XXX	XXX
400103874	XXXXX	PITIA	XXX	XXX
400103893	XXXXX	PITIA	XXX	XXX
400103870	XXXXX	PITIA	XXX	XXX
400103915	XXXXX	PITIA	XXX	XXX
400103895	XXXXX	PITIA	XXX	XXX
400103914	XXXXX	PITIA	XXX	XXX
400103902	XXXXX	PITIA	XXX	XXX
400103896	XXXXX	PITIA	XXX	XXX
400103885	XXXXX	PITIA	XXX	XXX
400103920	XXXXX	PITIA	XXX	XXX
400103875	XXXXX	PITIA	XXX	XXX
400103873	XXXXX	PITIA	XXX	XXX
400103871	XXXXX	PITIA	XXX	XXX
400103903	XXXXX	PITIA	XXX	XXX
400103923	XXXXX	PITIA	XXX	XXX
400103894	XXXXX	PITIA	XXX	XXX
400103882	XXXXX	PITIA	XXX	XXX
400103919	XXXXX	PITIA	XXX	XXX
400097222	XXXXX	Property City	XXX	XXX	Per Note provided.
400097336	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Verified by the initial 1003.
400097358	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Verified by the initial 1003.
400103866	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Per Initial 1003
400103866	XXXXX	Qualifying Total Debt Income Ratio	XXX	XXX	per debt calculations
400103942	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX
400103939	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Per initial loan application
400103939	XXXXX	Qualifying Total Debt Income Ratio	XXX	XXX	Audit excluded a 30-day account payment, resulting in the lower DTI.
400103928	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Compliance to validate application date.
400103951	XXXXX	Number of Borrowers	XXX	XXX	Verified by the Note.
400103951	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Verified by the initial 1003.
400103943	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Application Date confirmed with the Initial 1003 provided.
400103863	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	per initial application
400103851	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Verified by the initial 1003.
400103843	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Application date is XX/XX/XXXX per initial application.
400103849	XXXXX	Application Date	XX/XX/XXXX	XX/XX/XXXX	Per initial 1003.