Exhibit 99.9
EXHIBIT 99.9 amc loan SECURITIZATION report set
| Rating Agency Grades | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 7/2/2025 11:15:39 PM | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| LOAN INFORMATION | INITIAL CREDIT LOAN GRADES | INITIAL COMPLIANCE LOAN GRADES | INITIAL PROPERTY LOAN GRADES | INITIAL OVERALL LOAN GRADES | FINAL CREDIT LOAN GRADES | FINAL COMPLIANCE LOAN GRADES | FINAL PROPERTY LOAN GRADES | FINAL OVERALL LOAN GRADES | |||||||||||||||||||||||||||||||||||||||||||||
| AMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Deal Number | Original Loan Amount | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar |
| XXX | 1 | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 2 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 3 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 4 | XXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 5 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 6 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 7 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 8 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 9 | XXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 10 | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 11 | XXX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 12 | XXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 13 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 14 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 15 | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 16 | XXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 17 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 18 | XXX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 19 | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 20 | XXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 21 | XXX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 22 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 23 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 24 | XXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 25 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 26 | XXX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 27 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 28 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 29 | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 30 | XXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 31 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 32 | XXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 33 | XXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 34 | XXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 35 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 36 | XXX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 37 | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 38 | XXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 39 | XXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 40 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 41 | XXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 42 | XXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 43 | XXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 44 | XXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 45 | XXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 46 | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 47 | XXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 48 | XXX | C | C | C | C | D | C | C | C | C | C | A | A | A | A | A | C | C | C | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 49 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 50 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 51 | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 52 | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 53 | XXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 54 | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 55 | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 56 | XXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 57 | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 58 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 59 | XXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | |||||||||||
| XXX | 60 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 61 | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| XXX | 62 | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||||||||
| Exception Grades | |||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 7/2/2025 11:15:39 PM | |||||||||||||||||||||||||||||||||||||||||||||||
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| XXX | 1 | XXX | 33584089 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | Buyer Comment (2025-04-15): Seller acknowledges exception, no change in grading |
04/15/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | Good Faith Redisclosure | B | B | A | A | B | B | A | A | XXX | XXX | Yes | ||||||||||
| XXX | 4 | XXX | 33584101 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Buyer Comment (2025-05-08): Seller acknowledges the exception, no change to grading. |
05/08/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | B | B | B | B | A | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 9 | XXX | 33584125 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was last disclosed as $[redacted] on the Initial Loan Estimate but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2025-05-21): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2025-05-20): Please see the attachment. |
05/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | XXX | XXX | Yes | |||||||||
| XXX | 9 | XXX | 33584123 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. | Reviewer Comment (2025-05-15): [redacted] received proof of earlier electronic receipt Buyer Comment (2025-05-14): [redacted] : Please see the attachment. |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | XXX | XXX | No | |||||||||
| XXX | 10 | XXX | 33584136 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | Buyer Comment (2025-05-14): Seller acknowledges exception, no change to grading. |
05/14/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | Good Faith Redisclosure | B | B | A | A | B | B | A | A | XXX | XXX | Yes | ||||||||||
| XXX | 11 | XXX | 33584139 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment (2025-05-14): Seller acknowledges exception, no change to grading. |
05/14/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | C | B | B | B | C | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 11 | XXX | 33584141 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2025-05-20): [redacted] received internal comment snips for changes made. Buyer Comment (2025-05-20): Please see the attached internal screenshot confirming that [redacted] placed the CDA order on [redacted]. The correspondent lender also received the order on [redacted] and disclosed the CDA fee on the [redacted] CD-within [redacted] days of becoming aware of the request. As this is a correspondent loan, the correspondent lender is responsible for disclosures and fee updates. They were not aware of the CDA requirement until [redacted] and disclosed the fee within the required timeframe. Reviewer Comment (2025-05-20): [redacted] received rebuttal, however UCDP report is dated [redacted] with CU score of [redacted] and fee added on [redacted] which is not within [redacted] days of [redacted]. A valid Changed Circumstance within [redacted] days or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2025-05-19): Please be advised this is a correspondent loan where the partner orders and obtains the CDA. Please see attached internal screenshots confirming we requested the CDA on [redacted], the partner had requested that we clear the appraisal conditions on [redacted] and we advised that we were still in need of the CDA. The fee was added to the [redacted] CD and disclosed to the borrower when the partner was aware of the fee and placed the order for the CDA. Buyer Comment (2025-05-19): Please be advised this is a correspondent loan where the partner orders and obtains the CDA. Please see attached internal screenshots confirming we requested the CDA on [redacted], the partner had requested that we clear the appraisal conditions on [redacted] and we advised that we were still in need of the CDA. The fee was added to the [redacted] CD and disclosed to the borrower when the partner was aware of the fee and placed the order for the CDA. |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | XXX | XXX | Yes | |||||||||
| XXX | 11 | XXX | 33584143 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | The file only contained a CD that reflected a Closing Date of [redacted] and was signed [redacted] along with a Closing Disclosure issued post close on [redacted]. Please provide all missing Closing Disclosures issued to the borrower. | Reviewer Comment (2025-05-14): [redacted] received [redacted] CD [redacted] business days prior to consummation. Buyer Comment (2025-05-14): Please see the attached acknowledged CD. |
05/14/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | XXX | XXX | No | |||||||||
| XXX | 12 | XXX | 33584146 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. | Reviewer Comment (2025-05-15): [redacted] received proof of earlier electronic receipt Buyer Comment (2025-05-14): Please see the attached verification it was received same day. |
05/15/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | XXX | XXX | No | |||||||||
| XXX | 15 | XXX | 33787185 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The file is missing the fully executed Final Closing Statement for the sale of real estate, verifying the total net equity received and that all liens are paid and closed. Please provide for review. | Reviewer Comment (2025-06-17): Closing statement received. Exception cleared. Buyer Comment (2025-06-17): Please see attached, settlement statement confirming funds from the sale of the non-subject property. |
06/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | A | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 16 | XXX | 33787193 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2025-06-19): Using [redacted] months average of [redacted] distribution income, DTI is lowered under [redacted]. Exception cleared. Buyer Comment (2025-06-18): Please clear this based upon our response to the other exception and updated 1003 and 1008 |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 16 | XXX | 33787195 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | The COC does not reflect the actual reason for the pricing change for the increase in discount points on the LE dated [redacted] | Reviewer Comment (2025-06-18): [redacted] received valid COC dated [redacted] Buyer Comment (2025-06-17): Please see attached, pricing change confirmation the points were altered by the change in CLTV which occurred when the appraisal came back less than the borrower initially estimated. Please see pages [redacted] & [redacted] . The two LEs on the referenced pages confirm the est prop value was reduced from [redacted] |
06/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | XXX | XXX | Yes | |||||||||
| XXX | 16 | XXX | 33787194 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Please provide evidence the Master Condominium policy contains Flood Insurance Coverage, as required. | Reviewer Comment (2025-06-19): Current master condo flood policy was provided to satisfy exception. Exception cleared. Buyer Comment (2025-06-17): PLease see attached, condo insurance information as requested. |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 16 | XXX | 33787192 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI is excessive due to mortgage on retained REO investment property was paid off, however, the property insurance and taxes will remain and were not included in recalculated DTI. | Reviewer Comment (2025-06-19): Using [redacted] months average of [redacted] distribution income, DTI is lowered under [redacted]. Exception cleared. Buyer Comment (2025-06-18): We also feel its worth calling out that we could go over the [redacted] from [redacted] used in the average calc and we'd still have enough [redacted] funds Buyer Comment (2025-06-18): While the citation is valid, we found a solution to bring DTI back in line. The client's [redacted] [redacted] statement shows they've taken [redacted] YTD. By taking an average of the distributions we have on file over [redacted]and [redacted] YTD, it results in [redacted]/month in [redacted] income which gets us back to under [redacted] Continuance is maintained given the current balance of [redacted]. Please see updated 1003 and 1008 attached Buyer Comment (2025-06-18): While the citation is valid, we found a solution to bring DTI back in line. The client's [redacted] [redacted] statement shows they've taken [redacted] YTD. By taking an average of the distributions we have on file over [redacted]and [redacted] YTD, it results in [redacted] month in [redacted] income which gets us back to under [redacted]. Continuance is maintained given the current balance of[redacted] Please see updated [redacted]and 1008 attached |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 16 | XXX | 33787191 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of [Redacted]% and based on [Redacted](e) of [Redacted]% moderately exceed the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI is excessive due to mortgage on retained REO investment property was paid off, however, the property insurance and taxes will remain and were not included in recalculated DTI. | Reviewer Comment (2025-06-19): Using [redacted] months average of [redacted] distribution income, DTI is lowered under [redacted] Exception cleared. Buyer Comment (2025-06-18): Please clear this based upon our response to the other exception and updated 1003 and [redacted] |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 16 | XXX | 33787190 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2025-06-19): Using [redacted] months average of [redacted] distribution income, DTI is lowered unde[redacted] Exception cleared. Buyer Comment (2025-06-18): Please clear this based upon our response to the other exception and updated 1003 and 1008 |
06/19/2025 | 1 | B | A | C | A | B | A | C | A | B | A | XXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | XXX | XXX | Yes | |||||||||
| XXX | 16 | XXX | 33787188 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure | C | B | C | A | C | B | A | A | XXX | XXX | Yes | ||||||||||
| XXX | 18 | XXX | 33787198 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-06-17): Final Title policy received with coverage amount. Exception cleared. Buyer Comment (2025-06-17): Please see the final title policy attached with coverage matching the loan amount |
06/17/2025 | 1 | B | A | B | A | B | A | B | A | B | A | XXX | Primary | Purchase | C | A | B | A | C | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 18 | XXX | 33787199 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2025-06-18): Received Final Title Policy. Exception cleared. |
06/18/2025 | 1 | A | A | A | A | A | A | A | A | A | A | XXX | Primary | Purchase | C | A | B | A | C | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 18 | XXX | 33787200 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four[redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. | Reviewer Comment (2025-06-17): Received acknowledgement of Loan estimate dated [redacted]. Exception cleared. Buyer Comment (2025-06-17): Please see the screen shot attached confirming receipt of the [redacted] |
06/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | No Defined Cure | C | A | B | A | C | A | A | A | XXX | XXX | No | |||||||||
| XXX | 19 | XXX | 33787206 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Second Home | Refinance - Cash-out - Other | Good Faith Redisclosure | B | B | A | A | B | B | A | A | XXX | XXX | Yes | ||||||||||
| XXX | 20 | XXX | 33787213 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment (2025-06-17): seller accepts; no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | B | B | B | B | A | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 21 | XXX | 33787220 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year[redacted] of on Final Closing Disclosure provided on[redacted] are underdisclosed. | Reviewer Comment (2025-06-19): [redacted]received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2025-06-19): Please see the attached corrected closing disclosure mailed to the borrower. Reviewer Comment (2025-06-18): This will clear when the exception for the Estimated Escrow Payment is cured. Exception remains. Buyer Comment (2025-06-18): Please be advised there are no non-escrowed year [redacted]costs as displayed on the final CD. |
06/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | XXX | XXX | Yes | ||||||||||
| XXX | 21 | XXX | 33787217 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Page 4 of the Final CD disclosed the lender may hold partial payments, and also disclosed the lender does not accept any partial payments. | Reviewer Comment (2025-06-19): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2025-06-19): Please see the attached corrected closing disclosure mailed to the borrower. Reviewer Comment (2025-06-18): The Partial Payment Section on page [redacted] reflects lender may hold partial payments in a separate account and also reflects lender does not accept any partial payments. Only one box in this section should be checked. Exception remains. Buyer Comment (2025-06-18): Please re-review as the final CD shows that only one box is checked indicating partial payments are NOT accepted. |
06/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | XXX | XXX | Yes | |||||||||
| XXX | 21 | XXX | 33787216 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment (2025-06-18): Seller acknowledges exception, no change to grading. |
06/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | C | B | B | B | C | B | A | A | XXX | XXX | No | ||||||||||||
| XXX | 21 | XXX | 33787219 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | The projected payments on page 1 of the CD reflects monthly taxes and insurance of [redacted], however, the actual monthly taxes and insurance i[redacted] | Reviewer Comment (2025-06-19): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2025-06-19): Please see the attached corrected closing disclosure mailed to the borrower. Reviewer Comment (2025-06-18): Please see the Estimated Escrow under the Payment Calculation section on page [redacted]. This reflects $[redacted]versus $[redacted]. Exception remains. Buyer Comment (2025-06-18): Please re-review as the final CD reflects $[redacted] for taxes and insurance which matches [redacted] comments. |
06/19/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | B | B | C | B | A | A | XXX | XXX | Yes | |||||||||
| XXX | 24 | XXX | 33787236 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - [redacted] | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted] | Buyer Comment (2025-06-18): Seller acknowledges the exception, no change to grading. |
06/18/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | C | B | C | A | B | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 24 | XXX | 33787238 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The third-party verification for the [redacted] was not timestamped. Please provide evidence of when this was obtained by the lender for review | Reviewer Comment (2025-06-19): Time Stamped [redacted] document was provided to confirm document date of verification. Exception cleared Buyer Comment (2025-06-18): Please see attached timestamp of the verification for the business. |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | B | C | A | B | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 24 | XXX | 33787239 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The file was missing the [redacted] to align with the business return provided. Please provide the [redacted] [redacted] , all schedules. | Reviewer Comment (2025-06-19): [redacted] 1040 provided to satisfy exception. Exception cleared. Buyer Comment (2025-06-18): Please see attached [redacted] 1040. |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | B | C | A | B | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 26 | XXX | 33787240 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | C | B | B | B | C | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 26 | XXX | 33787244 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Diligence was provided the final settlement statement for the departure residence, which was dated after consummation of the subject loan. Please provide the preliminary settlement statement that was obtained prior to closing and used to estimate available net equity funds. | Reviewer Comment (2025-06-19): Received Preliminary Settlement Statement dated [redacted]. Exception cleared. Buyer Comment (2025-06-17): Please see the attached settlement statement from the non-subject property. Please note the subject transaction closed [redacted]. |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | B | B | B | C | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 26 | XXX | 33787245 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2025-06-19): Received Preliminary Settlement Statement dated [redacted]. Exception cleared. Buyer Comment (2025-06-17): Please see the attached settlement statement from the non-subject property. Please note the subject transaction closed [redacted]. |
06/19/2025 | 1 | B | A | C | A | B | A | C | A | B | A | XXX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | XXX | XXX | Yes | |||||||||
| XXX | 29 | XXX | 33787256 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Property is zoned agricultural which does not meet [redacted] guidelines. | Reviewer Comment (2025-06-19): Per appraisal, actual zoning is single family residential and meets the client's guidelines. Exception cleared. Buyer Comment (2025-06-18): Please see the screen shots attached where page [redacted]notes the Zoning is Residential Single Fam and [redacted]notes it is not a working farm or income producing property. The last screen shot is from our collateral team and confirms they made an exception to proceed with the zoning as-is because it does not meet typical [redacted]zoning and is residential as supported by pictures in the [redacted] Reviewer Comment (2025-06-12): To request to downgrade and waive this credit exception, please provide the credit comp factors considered to allow agricultural zoning. (E.g. [redacted], [redacted], residual income, etc.) |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | A | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 29 | XXX | 33787259 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Please confirm which hazard policy is accurate. Two policies were provided in the loan file. The one that matches the final CD has an effective date of [redacted], which is after loan disbursement. The policy with effective date of [redacted] has a higher premium. | Reviewer Comment (2025-06-18): Sufficient document received reflecting Hazard Insurance policy effective date. Exception cleared Buyer Comment (2025-06-17): Please see screen shot attached from our internal [redacted]system confirming the active policy is [redacted]which went into effect [redacted], same date as disbursement |
06/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | A | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 30 | XXX | 33787260 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2025-06-17): Final Title policy received with coverage amount. Exception cleared. |
06/17/2025 | 1 | A | A | A | A | A | A | A | A | A | A | XXX | Primary | Purchase | B | A | B | A | A | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 30 | XXX | 33787261 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-06-17): Final Title policy received with coverage amount. Exception cleared. Buyer Comment (2025-06-17): Please see the attached final title policy noting the coverage amount. |
06/17/2025 | 1 | B | A | B | A | B | A | B | A | B | A | XXX | Primary | Purchase | B | A | B | A | A | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 32 | XXX | 33787271 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-06-17): Final Title policy received with coverage amount. Exception cleared. Buyer Comment (2025-06-17): Please see the attached final title noting the coverage amount. |
06/17/2025 | 1 | B | A | B | A | B | A | B | A | B | A | XXX | Primary | Purchase | B | A | B | A | A | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 33 | XXX | 33787275 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Disclosures were sent to the borrower prior to obtaining consent for electronic disclosures. Lender to provide proof of e-consent within [redacted] days of the initial application, [redacted] proof of disclosure sent to borrower using another method within [redacted] days of application. | Reviewer Comment (2025-06-18): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2025-06-17): Please see attached electronic consent form with consented date of [redacted]. |
06/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | A | A | C | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 34 | XXX | 33787278 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment (2025-06-17): Seller acknowledges the exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | B | B | B | B | A | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 36 | XXX | 33787284 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment (2025-06-17): Seller acknowledges the exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 36 | XXX | 33787286 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ( [redacted]) business days prior to closing. | The file only contained the closing disclosures from [redacted] (closing) and [redacted] (post-closing). Please provide the initial and any subsequent CD's prior to the [redacted] CD's. | Reviewer Comment (2025-06-18): [redacted]received [redacted] CD [redacted]business days prior to consummation. Buyer Comment (2025-06-17): Please see attached initial CD |
06/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Rate/Term | No Defined Cure | C | B | B | B | C | A | A | A | XXX | XXX | No | |||||||||
| XXX | 37 | XXX | 33787290 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General [redacted]: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | B | B | A | A | B | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 37 | XXX | 33787293 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | Good Faith Redisclosure | B | B | A | A | B | B | A | A | XXX | XXX | Yes | ||||||||||
| XXX | 38 | XXX | 33787295 | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Buyer Comment (2025-06-17): Seller acknowledges the exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | XXX | XXX | No | ||||||||||||
| XXX | 39 | XXX | 33787307 | Credit | Income / Employment | Income Documentation | Missing Document | [redacted]Documents are missing. | - ___ | The file was missing evidence of the HOA dues for this property. Please provide for review. | Reviewer Comment (2025-06-18): [redacted]Verification present in the file. Exception Cleared. Buyer Comment (2025-06-17): Please refer to page [redacted]/ [redacted] of the loan images for confirmation of [redacted]dues. |
06/18/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | B | C | A | B | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 39 | XXX | 33787304 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - [redacted] | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Buyer Comment (2025-06-17): Seller acknowledges exception, no change to grading. |
06/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | C | B | C | A | B | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 41 | XXX | 33787313 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - [redacted] | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM ( [redacted]) does not match Due Diligence Loan Designation of QM ( [redacted]) Fail. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. | Reviewer Comment (2025-06-19): Per client, income was not considered from this business. Excluded income, exception cleared. Buyer Comment (2025-06-17): Please be advised that no income was used from this business to qualify and therefore third party verification of employment is not required. |
06/19/2025 | 1 | B | A | C | A | B | A | C | A | B | A | XXX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | XXX | XXX | Yes | |||||||||
| XXX | 41 | XXX | 33787314 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General [redacted]Provision Employment - Partnership | General [redacted]: Unable to verify current Partnership status using reasonably reliable third-party records. | The third-party verification for the [redacted] (considered for both borrowers) was missing from the file. Please provide the third-party verification obtained by the lender for review. The income for the co-borrower's share will be updated upon receipt. | Reviewer Comment (2025-06-19): Per client, income was not considered from this business. Excluded income, exception cleared. Buyer Comment (2025-06-17): Please be advised that no income was used from this business to qualify and therefore third party verification of employment is not required. |
06/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | A | A | C | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 42 | XXX | 33829275 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2024-12-24): Received a copy of E-sign Consent Agreement. Exception Cleared Buyer Comment (2024-12-24): Disclosure tracking - also see uploaded form Buyer Comment (2024-12-24): e-Sign Consent Form |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | D | B | D | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 42 | XXX | 33829278 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract document is missing. | Reviewer Comment (2024-12-24): Received a copy of Purchase Agreement / Sales Contract. Exception Cleared Buyer Comment (2024-12-24): Purchase Agreement |
12/24/2024 | 1 | D | A | D | A | D | A | D | A | D | A | XXX | Primary | Purchase | D | B | D | A | C | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 42 | XXX | 33829279 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Transcripts (1040) or W2 for [redacted] bonus income used to qualify are missing,. | Reviewer Comment (2024-12-24): Received a copy of Transcripts (1040) [reacted] Exception Cleared Buyer Comment (2024-12-24): [redacted] Tax Transcript |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | D | B | D | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 42 | XXX | 33829280 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2024-12-26): Appraisal delivery confirmation received dated [redacted]. Exception cleared. Buyer Comment (2024-12-24): delivery |
12/26/2024 | 1 | B | A | B | A | B | A | B | A | B | A | XXX | Primary | Purchase | D | B | D | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 42 | XXX | 33829282 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis Fee was not disclosed on Initial LE and $[redacted] on Final CD. File does not contain a valid COC for this fee, evidence of cure in file is [redacted] | Reviewer Comment (2025-01-13): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2025-01-10): Please see attached confirmation of receipt as Proof of delivery, remainder of cure docs uploaded [redacted] Reviewer Comment (2025-01-10): Re-opened. Buyer Comment (2025-01-02): LOE, refund check and PCCD Reviewer Comment (2024-12-26): [redacted]: The provided [redacted] indicates the agency required an inspection fee, however, there seems to be no documentation in the loan file of the agency request. Please provide documentation of timeline for review and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to borrower. Buyer Comment (2024-12-24): COC |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | XXX | XXX | No | |||||||||
| XXX | 42 | XXX | 33829283 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard insurance coverage amount is insufficient. Coverage amount required to cover the lesser of the Replacement Cost or the Loan amount per guidelines. | Coverage: ___; Extended Replacement Coverage: ___; Loan Amount: ___; Cost New: ___ |
Replacement cost estimator is a processor cert. Provide [redacted] | Reviewer Comment (2024-12-27): Received RCE. Exception cleared Buyer Comment (2024-12-27): RCE Reviewer Comment (2024-12-24): Received a copy of Hazard Insurance Binder/Evidence document [redacted]which we already have in file. Replacement cost estimator document in file i.e. [redacted] is a processor cert. Please provide proper Estimated Replacement Cost document. Exception Remains Buyer Comment (2024-12-24): HOI |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | D | B | D | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 42 | XXX | 33829284 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Need documentation of property tax amount and hazard coverage (and HOA if applicable) on free and clear properties at [redacted] and [redacted]as disclosed on oan application . | Reviewer Comment (2025-01-07): Lender was more conservative. Cleared. Buyer Comment (2025-01-07): Please clear lender was more conservative Reviewer Comment (2025-01-06): Updated Commentary **** Provide Tax cert for Subject Property [redacted] ***provided tax cert shows Monthly tax of [redacted] where as Lender used [redacted] . Please note exception for REO property [redacted] Cleared. Exception Remains Buyer Comment (2025-01-03): Calcualtions Buyer Comment (2025-01-03): 1008 Buyer Comment (2025-01-03): AUS Reviewer Comment (2024-12-30): Noted for REO [redacted] . Winter Taxes calculation (grossing to [redacted] %) for REO [redacted] require supporting documentation such as UW worksheet or lender documentation. rest all calculation noted. please update 1008 and AUS as well. exception remains. Buyer Comment (2024-12-30): Per lender: [redacted] We grossed up the wither taxes by [redacted]% per our policy as we the new tax bill had not been released. Summer Tax [redacted] Winter Tax [redacted] [redacted] TOTAL - ROUNDED UP[redacted] This is a quarterly statement, and we removed the utility costs listed. Taxes [redacted]TOTAL - ROUNDED UP [redacted] Reviewer Comment (2024-12-26): 1] REO [redacted] - verified (Tax [redacted] Hazard [redacted] but application stated [redacted] remaining [redacted]unverified. please provide supporting document with LOE. 2] REO[redacted]- verified ( Tax [redacted]. require supporting documentation for unverified payment as well as 1008 & AUS updated. exception remains. Buyer Comment (2024-12-24): [redacted] |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | D | B | D | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 43 | XXX | 33829291 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | LTV/CLTV reduction done by [redacted] for Declining zone property [redacted] as per Guideline's requirement. | Reviewer Comment (2025-04-28): Appraiser commentary is acceptable. Buyer Comment (2025-04-28): The appraiser commentary is sufficient with the CDA, Clear Capital HDI indicates the market is stable. Reviewer Comment (2025-04-25): Email sent to client for investor guidance. Buyer Comment (2025-04-23): Appraiser comment |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | C | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 43 | XXX | 33829292 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | LTV/CLTV reduction done by [redacted] for Declining zone property [redacted] as per Guideline's requirement. | Reviewer Comment (2025-04-28): Appraiser commentary is acceptable. Buyer Comment (2025-04-28): The appraiser commentary is sufficient with the CDA, Clear Capital HDI indicates the market is stable. Reviewer Comment (2025-04-25): Email sent to client for investor guidance. Buyer Comment (2025-04-23): Appraiser comment |
04/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | C | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 43 | XXX | 33829287 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Insufficient or no cure was provided to the borrower. | Survey Fee was disclosed as $[redacted] on Initial LE and $[redacted] on Final CD. Evidence of cure not provided in file. No Valid COC in file. Insufficient Cure provided in file of [redacted] | Reviewer Comment (2025-04-21): [redacted] Received Corrected PCCD and LOE. Buyer Comment (2025-04-18): LOE and PCCD |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | XXX | XXX | No | |||||||||
| XXX | 43 | XXX | 33829286 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence the borrower was provided with a copy of the Appraisal three (3) business days prior to consummation. | Reviewer Comment (2025-04-18): Appraisal delivery Received. Exception Cleared Buyer Comment (2025-04-17): Appraisal delivery |
04/18/2025 | 1 | B | A | B | A | B | A | B | A | B | A | XXX | Primary | Purchase | C | A | C | A | C | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 44 | XXX | 33829295 | Compliance | Compliance | State Compliance | State Defect | [redacted] Tangible Net Benefit Test | [redacted] Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. | Interest rate on prior mortgage was not provided; require supporting documents to validate prior mortgage interest rate. | Reviewer Comment (2025-04-22): Received previous Purchase CD verified Pervious interest rate and payment. Exception Cleared Buyer Comment (2025-04-21): Prior CD Buyer Comment (2025-04-21): Note - per Lender: We paid off a construction loan which had a higher interest rate and was an interest-only loan |
04/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 44 | XXX | 33829296 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]0 plus [redacted] or [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. | Reviewer Comment (2025-04-23): [redacted] Received Letter of Explanation, Copy of Refund Check, and Corrected CD Buyer Comment (2025-04-22): LOE, PCCD and refund check. |
04/23/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | XXX | XXX | No | |||||||||
| XXX | 44 | XXX | 33829297 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Sufficient cure was provided for Credit Report and exception will be cleared/cured once other [redacted] cure exception is cured or cleared. | Reviewer Comment (2025-04-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Reviewer Comment (2025-04-23): Incorrect Commnet pasted. Reviewer Comment (2025-04-23): Retrieving data. Wait a few seconds and try to cut or copy again. Buyer Comment (2025-04-22): Cured at closing |
04/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | XXX | XXX | No | |||||||||
| XXX | 45 | XXX | 33829301 | Compliance | Compliance | State Compliance | State Defect | XXX Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | [redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. | Buyer Comment (2025-04-21): Lender acknowledged non material EV2 Reviewer Comment (2025-04-21): Downgraded Reviewer Comment (2025-04-21): Downgraded the [redacted] home loan exceptions to EV2-B based on the exemption status of the originating lender. Buyer Comment (2025-04-17): Per Lender - N/A to financial institution |
04/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Purchase | C | B | A | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 45 | XXX | 33829302 | Compliance | Compliance | State Compliance | State Defect | XXX Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | [redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. | Prohibited Acts and Practices Regarding Home Loans disclosure not provided. | Buyer Comment (2025-04-21): Lender acknowledged non material EV2 Reviewer Comment (2025-04-21): Downgraded. Reviewer Comment (2025-04-21): Downgraded the [redacted] home loan exceptions to EV2-B based on the exemption status of the originating lender. Buyer Comment (2025-04-17): Per Lender - N/A to financial institution |
04/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Purchase | C | B | A | A | C | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 46 | XXX | 33829306 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date [redacted] , Disbursement Date: [redacted] . | Reviewer Comment (2025-04-17): Received updated hazard insurance with effective date of [redacted]. Exception cleared Buyer Comment (2025-04-16): updated effective dates |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | A | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 46 | XXX | 33829310 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |
04/10/2025 | 1 | A | A | A | A | A | A | A | A | A | A | XXX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 46 | XXX | 33829311 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower's verification of employment reflects an original hire date of [redacted] and a most resent start date of [redacted] . Co-Borrowers verification of employment reflects an original hire date of [redacted] and a most resent start date of [redacted] . Need LOE regarding start dates to verify [redacted] years employment history. | Reviewer Comment (2025-04-17): Received Explanation letter with supporting document as [redacted] System Purchase [redacted] Cleared Buyer Comment (2025-04-16): LOX |
04/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | A | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 47 | XXX | 33829312 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | VOM required for payment made for [redacted] , to verify paid within month due. | Reviewer Comment (2025-03-20): Received Pay History. exception cleared. Buyer Comment (2025-03-20): Pay History |
03/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 47 | XXX | 33829315 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted] ). The disclosed Total of Payments in the amount of [redacted] is under disclosed by [redacted] compared to the calculated total of payments of [redacted] which exceeds the [redacted] threshold. | Disclosure reflects TOP of [redacted] but calculated TOP of [redacted] . Variance = [redacted] . | Reviewer Comment (2025-04-16): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2025-04-15): LOE, PCCD, refund check, NRTC and label Reviewer Comment (2025-04-02): Per TRID Grid [redacted], Remediation Considerations,[redacted]…Note, inaccurate APR, Finance Charge, or TOP resulting from fee-related under disclosures will require a refund check to cure and cannot be cured with a loan modification (principal curtailments are not permissible). In the case of under disclosures resulting from both fees and incorrect [redacted] or margin used to calculate TOP, remediation can be in the form of one lump sum refund cash/check or lender/assignee can cure using a combination of remediation methods (ex. check and margin reduction; check and principal curtailment; check and lender paid MI). Buyer Comment (2025-03-31): Cure documentation - please see included pay history and ensure this is allowable |
04/16/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | XXX | XXX | No | |||||||||
| XXX | 48 | XXX | 33829317 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification for property [redacted] is missing in file. | Reviewer Comment (2025-04-03): Updated 1003/1008 received without HOA Fee. Exception Cleared Buyer Comment (2025-04-03): 1003 Buyer Comment (2025-04-03): 1008 Reviewer Comment (2025-03-28): Received [redacted]Property Profile confirms no HOA on the property however As per Final [redacted]Total Tax, insurance and HOA amount noted[redacted]and Mortgage statement confirms payment is escrowed. Require Verification of additional payment of [redacted] as per Final [redacted]. Exception remains Buyer Comment (2025-03-28): HOA |
04/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | D | A | D | A | C | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 48 | XXX | 33829319 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | HOA Amount for subject property [redacted] is considered as [redacted] however supporting document to verify the considered amount is missing in file. | Reviewer Comment (2025-04-07): Received updated 1003/1008/AUS and PCCD with change in HOA amount as per appraisal document exception Cleared Buyer Comment (2025-04-04): AUS Buyer Comment (2025-04-04): 1008 Buyer Comment (2025-04-04): PCCD Reviewer Comment (2025-04-03): 1003, 1008 received with Correction in 1008, AUS not require as variance is less than [redacted]%, however CD must reflect the corrected property expenses. PCCD require with Correction HOA amount. Since PCCD still require Lender can submit the corrected AUS as well to match the term with 1008/1003. Exception Remains Buyer Comment (2025-04-03): 1008 & 1003 uploaded previously. See also LOX Reviewer Comment (2025-04-01): If the HOA amount is $[redacted]( $[redacted]x [redacted] = $[redacted]/ [redacted]) however same amount is not used on CD. required updated AUS/1008 and PCCD. Exception remains. Buyer Comment (2025-04-01): LOX HOA |
04/07/2025 | 1 | C | A | C | A | C | A | C | A | D | A | XXX | Primary | Purchase | D | A | D | A | C | A | A | A | XXX | XXX | No | |||||||||||
| XXX | 48 | XXX | 33829321 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] . Insufficient or no cure was provided to the borrower. | Final LE issued on [redacted] is incomplete as it contains only [redacted] page, require complete loan estimate copy issued on [redacted] along with COC reflecting Rate has been locked. | Reviewer Comment (2025-04-03): [redacted] received valid COC dated [redacted] Buyer Comment (2025-04-01): COC |
04/03/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | XXX | XXX | No | |||||||||
| XXX | 50 | XXX | 33829332 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Credit report ID mismatched with AUS document, required updated AUS document with correct credit ID. | Reviewer Comment (2025-04-14): Received updated AUS with correction In Credit report refinanced ID. Exception Cleared Buyer Comment (2025-04-11): DU |
04/14/2025 | 1 | A | A | A | A | A | XXX | Primary | Purchase | A | A | A | A | A | A | A | A | XXX | XXX | No | ||||||||||||||||
| XXX | 51 | XXX | 33829334 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Acknowledgement of receipt of appraisal is missing in file. | Reviewer Comment (2025-04-15): Appraisal Delivery Provided . Exception Cleared Buyer Comment (2025-04-14): [redacted] Appraisal delivery |
04/15/2025 | 1 | B | A | B | A | B | A | B | A | B | A | XXX | Primary | Purchase | B | A | A | A | B | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 51 | XXX | 33829335 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Acknowledgement of receipt/delivery document of preliminary appraisal is missing in file. | Reviewer Comment (2025-04-15): Appraisal Delivery Provided . Exception Cleared Buyer Comment (2025-04-14): LOE, also see uploaded delivery |
04/15/2025 | 1 | B | A | B | A | B | A | B | A | B | A | XXX | Primary | Purchase | B | A | A | A | B | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 52 | XXX | 33829338 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report is missing in file. | Reviewer Comment (2025-04-30): Received Fraud Report. Exception Cleared Buyer Comment (2025-04-28): fraud report |
04/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 53 | XXX | 33829345 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2025-03-19): Accepted as is. |
03/19/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | C | B | C | A | B | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 53 | XXX | 33829346 | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal description is missing. | Reviewer Comment (2025-03-19): Received Legal Description. Exception cleared. Seller Comment (2025-03-19): Comment from [redacted] ( [redacted] ): Page [redacted] has the legal description |
03/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | B | C | A | B | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 54 | XXX | 33829349 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of [redacted]is greater than Guideline maximum loan amount of[redacted] | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than or equal to [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The representative FICO score is above [redacted]. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-03-28): Client elects to waive based on the max loan amount meeting the newest guidelines. |
03/28/2025 | 2 | C | B | C | B | C | B | C | B | C | B | XXX | Primary | Purchase | C | B | C | B | A | A | A | A | XXX | XXX | No | ||||||||
| XXX | 55 | XXX | 33829352 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank[redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted]business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2025-03-31): Accepted as is. |
03/31/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | B | B | A | A | B | B | A | A | XXX | XXX | No | |||||||||||
| XXX | 56 | XXX | 33829353 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing. | Reviewer Comment (2025-04-09): Cleared Hazard provided Seller Comment (2025-04-09): Comment from [redacted] ([redacted]: HOI [redacted] |
04/09/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | C | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 56 | XXX | 33829354 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing. | Reviewer Comment (2025-04-10): Property ran through [Redacted]business, [Redacted]on file |
04/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | C | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 56 | XXX | 33829357 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]: Originator Loan Designation of [redacted] (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Lease agreement is missing for REO | Reviewer Comment (2025-04-10): Property ran through [Redacted]business, [Redacted]on file |
04/10/2025 | 1 | B | A | C | A | B | A | C | A | B | A | XXX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | XXX | XXX | No | |||||||||
| XXX | 56 | XXX | 33829358 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO[redacted] Method | General QM: Unable to verify Real Estate Owned income ([redacted] Method) using reasonably reliable [redacted]party records. | Lease agreement is missing for REO | Reviewer Comment (2025-04-10): Property ran through [Redacted]business, [Redacted]on file |
04/10/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | C | A | A | A | XXX | XXX | No | ||||||||||
| XXX | 57 | XXX | 33829359 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. | Reviewer Comment (2025-04-09): Accepted as is. Seller Comment (2025-04-09): Comment from [redacted] ([redacted] Lending): previous appraisal |
04/09/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Purchase | B | B | A | A | B | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 58 | XXX | 33829363 | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure has been provided at the time of closing. | Reviewer Comment (2025-04-08): Sufficient Cure Provided At Closing |
04/08/2025 | 1 | A | A | A | A | A | A | A | A | A | A | XXX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | XXX | XXX | No | |||||||||
| XXX | 59 | XXX | 33829364 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant t[redacted] business days prior to consummation. | Reviewer Comment (2025-04-11): Client elects to waive |
04/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B | XXX | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 59 | XXX | 33829366 | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing |
04/11/2025 | 1 | A | A | A | A | A | A | A | A | A | A | XXX | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | A | A | B | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 59 | XXX | 33829367 | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]o Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of[redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing |
04/11/2025 | 1 | A | A | A | A | A | A | A | A | A | A | XXX | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | A | A | B | B | A | A | XXX | XXX | No | ||||||||||
| XXX | 61 | XXX | 33829372 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2025-04-21): Received, cleared Reviewer Comment (2025-04-21): Tax Cert not received for this property [Redacted] hence Exception Remains. Seller Comment (2025-04-21): Comment from [redacted]: Tax Bill and Pay History showing this has been paid. This condo has the property taxes included in the HOA. |
04/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | XXX | Primary | Purchase | C | A | C | A | A | A | A | A | XXX | XXX | No | |||||||||||
| Valuation Report | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 7/2/2025 11:15:40 PM | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Note Date | Original Loan Amount | Sales Price | Value for LTV | LTV Value Variance Amount | LTV Value Variance Percent | Primary Valuation Value | Primary Valuation Report Date | Primary Valuation Effective Date | Primary Valuation Type | Primary Valuation Company | Primary Valuation Appraiser Name | Primary Valuation Appraiser License Num | Primary Valuation FSD Score | Secondary Valuation Value | Secondary Valuation Variance Amount | Secondary Valuation Variance Percent | Secondary Valuation Report Date | Secondary Valuation Effective Date | Secondary Valuation Type | Secondary Valuation Company | Secondary Valuation FSD Score | Secondary Valuation Desk Review Risk Score | AVM Value | AVM Variance Amount | AVM Variance Percent | AVM Company | AVM FSD Score | AVM Report Date | Desk Review Value | Desk Review Variance Amount | Desk Review Variance Percent | Desk Review Company | Desk Review Risk Score | Desk Review Report Date | Desk Review Effective Date | Desktop Appraisal Value | Desktop Appraisal Variance Amount | Desktop Appraisal Variance Percent | Desktop Appraisal Company | Desktop Appraisal Report Date | Desktop Appraisal Effective Date | BPO Value | BPO Variance Amount | BPO Variance Percent | BPO Company | BPO Report Date | Field Review Value | Field Review Variance Amount | Field Review Variance Percent | Field Review Company | Field Review Report Date | Field Review Effective Date | 2055 Value | 2055 Variance Amount | 2055 Variance Percent | 2055 Company | 2055 Report Date | 2055 Effective Date | AVE/CMA Value | AVE/CMA Variance Amount | AVE/CMA Variance Percent | AVE/CMA Company | AVE/CMA Report Date | Hybrid Valuation Value | Hybrid Valuation Variance Amount | Hybrid Valuation Variance Percent | Hybrid Valuation Company | Hybrid Valuation Report Date | Updated Valuation Value | Updated Valuation Variance Amount | Updated Valuation Variance Percent | Updated Valuation Company | Updated Valuation Report Date | Updated Valuation Effective Date | Aggregate Appraised Value | Aggregate Variance Amount | Aggregate Variance Percent | Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? | LCA Risk Score | Collateral Underwriter Risk Score |
| XXX | 1 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 2 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 3 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.70 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 4 | XXX | 0.000% | Appraisal | N/A | 1.90 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 5 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 4.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 6 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 2.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 7 | XXX | 0.000% | Appraisal | N/A | 1.60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 8 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.30 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 9 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 10 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 4.30 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 11 | XXX | 0.000% | Appraisal | XXX | Desk Review | Moderate | N/A | 2.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 12 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 4.70 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 13 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 2.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 14 | XXX | 0.000% | Appraisal | N/A | 1.70 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 15 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 4.20 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 16 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 4.20 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 17 | XXX | 0.000% | Appraisal | XXX | Desk Review | Moderate | N/A | 3.80 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 18 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 2.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 19 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 4.30 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 20 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 21 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 22 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.10 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 23 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 24 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 4.90 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 25 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 2.90 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 26 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 2.70 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 27 | XXX | 0.000% | Appraisal | N/A | 2.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 28 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 2.70 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 29 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 30 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.20 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 31 | XXX | 0.000% | Appraisal | N/A | 2.30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 32 | XXX | 0.000% | Appraisal | N/A | 1.10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 33 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 34 | XXX | 0.000% | Appraisal | N/A | 2.20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 35 | XXX | 0.000% | Appraisal | XXX | Desk Review | Moderate | N/A | 3.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 36 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 37 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.90 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 38 | XXX | 0.000% | Appraisal | N/A | 2.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 39 | XXX | 0.000% | Appraisal | N/A | 1.70 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 40 | XXX | 0.000% | Appraisal | XXX | Desk Review | Moderate | N/A | 4.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 41 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 42 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 5.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 43 | XXX | 0.000% | Appraisal | XXX | Desk Review | Moderate | No | 4.50 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 44 | XXX | 0.000% | Appraisal | XXX | Appraisal | N/A | 1.60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 45 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 1.30 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 46 | XXX | 0.000% | Appraisal | N/A | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 47 | XXX | 0.000% | Appraisal | N/A | 2.30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 48 | XXX | 0.000% | Appraisal | XXX | Desk Review | Moderate | N/A | 1.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 49 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 50 | XXX | 0.000% | Appraisal | N/A | 1.90 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 51 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.40 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 52 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 3.30 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 53 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | No | 3.50 | 2.80 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 54 | XXX | 0.000% | Appraisal | XXX | Appraisal | 0.385% | Low | N/A | 3.30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 55 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | Yes | 2.00 | 4.20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 56 | XXX | 0.000% | Appraisal | XXX | Desk Review | Moderate | No | 4.00 | 4.70 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 57 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | No | 4.50 | 3.20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 58 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | No | 3.50 | 3.20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 59 | XXX | 0.000% | Appraisal | XXX | Desk Review | Moderate | No | 3.00 | 5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 60 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | No | 4.00 | 2.20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 61 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | N/A | 1.70 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 62 | XXX | 0.000% | Appraisal | XXX | Desk Review | Low | Yes | 1.00 | 1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Supplemental Data | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 7/2/2025 11:15:40 PM | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | DSCR | Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag |
| XXX | 1 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.0 | DU | ApproveIneligible | N/A | No | XXX | 2 | 2 | 2 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 2 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Year End Summary - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 0 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 3 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.7 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 4 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.9 | DU | ApproveIneligible | N/A | No | XXX | 2 | 3 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 5 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4.0 | DU | ApproveIneligible | N/A | No | XXX | 1 | 2 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 6 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.6 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 7 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.6 | DU | ApproveIneligible | N/A | No | XXX | 1 | 0 | 1 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 8 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.3 | DU | ApproveIneligible | N/A | No | XXX | 0 | 0 | 1 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 9 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.6 | DU | ApproveIneligible | N/A | No | XXX | 2 | 2 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 10 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4.3 | DU | ApproveIneligible | N/A | No | XXX | 2 | 2 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 11 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.6 | DU | ApproveIneligible | N/A | No | XXX | 0 | 2 | 2 | 0 | 4 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Retail | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 12 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4.7 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 1 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 13 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | Permanent Resident Alien | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.6 | DU | ApproveIneligible | N/A | No | XXX | 1 | 2 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 14 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.7 | DU | ApproveIneligible | N/A | No | XXX | 0 | 1 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 15 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4.2 | DU | ApproveIneligible | N/A | No | XXX | 0 | 0 | 1 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 16 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | Retirement Income - Fully Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4.2 | DU | ApproveIneligible | N/A | No | XXX | 0 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 17 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.8 | DU | ApproveIneligible | N/A | No | XXX | 2 | 3 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 18 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | Permanent Resident Alien | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.6 | DU | ApproveEligible | N/A | No | XXX | 1 | 2 | 1 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | 16 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 19 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Account Transcripts - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; Account Transcripts - 2020 [Coborrower]; 1040 - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Account Transcripts - 2021 [Coborrower]; Transcripts (1040) - 2021 [Coborrower]; Account Transcripts - 2020 |
Full Documentation (F) | WVOE | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4.3 | DU | ApproveIneligible | N/A | No | XXX | 0 | 2 | 1 | 0 | 4 | 5 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 20 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Account Statements - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; Employer Letter - 2019 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2019 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 1040 - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 2 | 0 | 4 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 21 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 2 | 1 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Retail | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 22 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.1 | DU | ApproveIneligible | N/A | No | XXX | 0 | 2 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 23 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 1 | 2 | 2 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 24 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4.9 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 1 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 25 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.9 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 26 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Primary Income - C-Corp]; W-2 - 2023 [Borrower - | Primary Income - C-Corp]; 1120 - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.7 | DU | ApproveEligible | N/A | No | XXX | 2 | 2 | 2 | 0 | 4 | 4 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 27 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | Permanent Resident Alien | Permanent Resident Alien | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.5 | DU | ApproveIneligible | N/A | No | XXX | 1 | 2 | 2 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | XXX | Yes | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 28 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.7 | DU | ApproveIneligible | N/A | No | XXX | 0 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Retail | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 29 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 0 | 2 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 30 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.2 | DU | ApproveIneligible | N/A | No | XXX | 2 | 3 | 2 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 31 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.3 | DU | ApproveIneligible | N/A | No | XXX | 0 | 1 | 1 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 32 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.1 | DU | ApproveIneligible | N/A | No | XXX | 0 | 0 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 33 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 0 | 2 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Retail | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 34 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.2 | DU | ApproveIneligible | N/A | No | XXX | 1 | 0 | 2 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 35 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.0 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 2 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 36 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 2 | 2 | 0 | 4 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | Retail | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 37 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2021 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3.9 | DU | ApproveIneligible | N/A | No | XXX | 2 | 3 | 2 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 38 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2.5 | DU | ApproveIneligible | N/A | No | XXX | 1 | 2 | 1 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 39 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.7 | DU | ApproveIneligible | N/A | No | XXX | 0 | 2 | 0 | 3 | 1 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 40 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 4.6 | DU | ApproveIneligible | N/A | No | XXX | 2 | 2 | 0 | 3 | 2 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 41 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 0 | 1 | 1 | 0 | 3 | 3 | XXX | No | Yes | Mixed | Not Tested | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 42 | XXX | XXX | Yes | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; VVOE - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; Paystubs - 2022 |
[Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 5.0 | DU | ApproveIneligible | N/A | No | XXX | 0 | 2 | 0 | 0 | 1 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 43 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - No Results Returned - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - No Results Returned - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | LP / LPA | Accept/Ineligible | No | No | XXX | 3 | 0 | 0 | 0 | 3 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 44 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 1.6 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 0 | 3 | 2 | XXX | No | Not Stated | XXX | XXX | XXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 45 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 1.3 | DU | ApproveIneligible | N/A | No | XXX | 2 | 3 | 0 | 4 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 46 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 47 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2024 |
[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 2.3 | DU | ApproveIneligible | N/A | No | XXX | 0 | 0 | 2 | 0 | 3 | 2 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 48 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 1.0 | DU | ApproveIneligible | N/A | No | XXX | 0 | 3 | 1 | 0 | 4 | 1 | XXX | No | Not Stated | XXX | XXX | XXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 49 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 3.6 | DU | ApproveIneligible | N/A | No | XXX | 3 | 3 | 0 | 0 | 4 | 2 | XXX | No | Not Stated | XXX | XXX | XXX | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 50 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 1.9 | DU | ApproveIneligible | N/A | No | XXX | 3 | 2 | 0 | 0 | 3 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | 9 | 19 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 51 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 3.4 | DU | ApproveIneligible | N/A | No | XXX | 0 | 0 | 0 | 2 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 52 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 3.3 | DU | ApproveEligible | N/A | No | XXX | 1 | 0 | 0 | 2 | 1 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | XXX | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 53 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | US Citizen | US Citizen | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 2.8 | DU | ApproveIneligible | No | No | XXX | 0 | 0 | 1 | 0 | 3 | 2 | XXX | No | No | XXX | XXX | XXX | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 54 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; Tax Return Extension - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; Tax Return Extension - 2022 [Coborrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 3.3 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 2 | 0 | 0 | 2 | XXX | No | Not Stated | XXX | XXX | XXX | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 55 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - C-Corp]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - C-Corp]; Other - 2025 [Borrower - | Non-Primary Income - C-Corp]; Other - 2025 [Borrower - | Non-Primary Income - C-Corp]; P&L Statement - 2025 [Borrower - | Non-Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - C-Corp]; 1120 - 2023 [Borrower - | Non-Primary Income - C-Corp]; Other - 2020 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 4.2 | DU | ApproveIneligible | Yes | No | XXX | 2 | 1 | 0 | 2 | 1 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 56 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 4.7 | DU | ApproveIneligible | No | No | XXX | 2 | 2 | 0 | 3 | 2 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 57 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | 3.2 | DU | ApproveIneligible | No | No | XXX | 0 | 0 | 0 | 3 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 58 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 3.2 | LP / LPA | Accept/Ineligible | No | No | XXX | 2 | 0 | 0 | 3 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | 26 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 59 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 5.0 | DU | ApproveIneligible | No | No | XXX | 1 | 2 | 0 | 4 | 2 | XXX | No | No | XXX | XXX | XXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | XXX | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 60 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 2.2 | DU | ApproveIneligible | No | No | XXX | 1 | 1 | 0 | 0 | 2 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | XXX | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 61 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 1.7 | DU | ApproveIneligible | N/A | No | XXX | 2 | 0 | 0 | 3 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | No | No | XXX | XXX | No | No | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXX | 62 | XXX | XXX | Yes | No | XXX | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | US Citizen | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | 1.0 | LP / LPA | Accept/Ineligible | Yes | No | XXX | 1 | 1 | 0 | 0 | 3 | 0 | XXX | No | Not Stated | XXX | XXX | XXX | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | XXX | Yes | No | XXX | XXX | No | No | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ASF | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Run Date - 7/2/2025 11:15:41 PM | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Primary Servicer | Servicing Fee Percentage | Servicing Fee Flat Dollar | Servicing Advance Methodology | Originator | Loan Group | Loan Number | Amortization Type | Lien Position | Heloc Indicator | Loan Purpose | Cash Out Amount | Total Origination and Discount Points in Dollars | Covered High Cost Loan Indicator | Relocation Loan Indicator | Broker Indicator | Channel | Escrow Indicator | Senior Loan Amounts | Loan Type of Most Senior Lien | Hybrid Period of Most Senior Lien in Months | Neg Am Limit of Most Senior Lien | Junior Mortgage Balance | Origination Date of Most Senior Lien | Origination Date | Original Loan Amount | Original Interest Rate | Original Amortization Term | Original Term to Maturity | First Payment Date of Loan | Interest Type Indicator | Original Interest Only Term | Buy Down Period | HELOC Draw Period | Current Loan Amount | Current Interest Rate | Current Payment Amount Due | Interest Paid Through Date | Current Payment Status | Index Type | ARM Look Back Days | Gross Margin | ARM Round Flag | ARM Rounding Factor | Initial Fixed Rate Period | Initial Interest Rate Cap Change Up | Initial Interest Rate Cap Change Down | Subsequent Interest Rate Reset Period | Subsequent Interest Rate Change Down | Subsequent Interest Rate Change Up | Lifetime Maximum Rate Ceiling | Lifetime Minimum Rate Floor | Negative Amortization Limit | Initial Negative Amortization Recast Period | Subsequent Negative Amortization Recast Period | Initial Fixed Payment Period | Subsequent Payment Reset Period | Initial Periodic Payment Cap | Subsequent Periodic Payment Cap | Initial Minimum Payment Reset Period | Subsequent Minimum Payment Reset Period | Option ARM Indicator | Options at Recast | Initial Minimum Payment | Current Minimum Payment | Prepayment Penalty Calculation | Prepayment Penalty Type | Prepayment Penalty Total Term | Prepayment Penalty Hard Term | Primary Borrower ID | Number of Mortgaged Properties | Total Number of Borrowers | Self Employment Flag | Current Other Monthly Payment | Length of Employment Borrower | Length of Employment Co Borrower | Years in Home | FICO Model Used | Most Recent FICO Date | Primary Wage Earner Original FICO Equifax | Primary Wage Earner Original FICO Experian | Primary Wage Earner Original FICO Transunion | Secondary Wage Earner Original FICO Equifax | Secondary Wage Earner Original FICO Experian | Secondary Wage Earner Original FICO Transunion | Most Recent Primary Borrower FICO | Most Recent Co Borrower FICO | Most Recent FICO Method | Vantagescore Primary Borrower | Vantagescore Co Borrower | Most Recent Vantagescore Method | Vantagescore Date | Credit Report Longest Trade Line | Credit Report Maximum Trade Line | Credit Report Number of Trade Lines | Credit Line Usage Ratio | Most Recent 12 Month Pay History | Months Bankruptcy | Months Foreclosure | Primary Borrower Wage Income | Co Borrower Wage Income | Primary Borrower Other Income | Co Borrower Other Income | All Borrower Wage Income | All Borrower Total Income | 4506T Indicator | Borrower Income Verification Level | Co Borrower Income Verification Level | Borrower Employment Verification Level | Co Borrower Employment Verification Level | Borrower Asset Verification Level | Co Borrower Asset Verification Level | Liquid Cash Reserves | Monthly Debt All Borrowers | Originator DTI | Fully Indexed Rate | Qualification Method | Percentage of Down Payment From Borrower Own Funds | City | State | Postal Code | Property Type | Occupancy | Sales Price | Original Appraised Property Value | Original Property Valuation Type | Original Property Valuation Date | Original Automated Valuation Model AVM Model Name | Original AVM Confidence Score | Most Recent Property Value | Most Recent Property Valuation Type | Most Recent Property Valuation Date | Most Recent AVM Model Name | Most Recent AVM Confidence Score | Original CLTV | Original LTV | Original Pledged Assets | Mortgage Insurance Company Name | Mortgage Insurance Percent | MI Lender or Borrower Paid | Pool Insurance Co Name | Pool Insurance Stop Loss Percent | MI Certificate Number | Updated DTI Front End | Updated DTI Back End | Modification Effective Payment Date | Total Capitalized Amount | Total Deferred Amount | Pre Modification Interest Note Rate | Pre Modification P&I Payment | Pre Modification Initial Interest Rate Change Downward Cap | Pre Modification Subsequent Interest Rate Cap | Pre Modification Next Interest Rate Change Date | Pre Modification IO Term | Forgiven Principal Amount | Forgiven Interest Amount | Number of Modifications | Real Estate Interest | Community Ownership Structure | Year of Manufacture | HUD Code Compliance Indicator Y/N | Gross Manufacturers Invoice Price | LTI Loan to Invoice Gross | Net Manufacturers Invoice Price | LTI Net | Manufacturer Name | Model Name | Down Payment Source | Community Related Party Lender Y/N | Defined Underwriting Criteria Y/N | Chattel Indicator |
| 9999999 | 0.000000 | 99 | UNK | XXX | 1 | 1 | 0 | 7 | XXX | XXX | 0 | 0 | 0 | 1 | 4 | XXX | XXX | XXX | 2 | 0 | 0 | 0 | 0 | XXX | 2 | 1 | XXX | XXX | XXX | XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 | 285 | XXX | XXX | XXX | XXXXXXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXX | XXX | XXX | 1 | XXX | XXX | 7 | 1 | 0.00 | 3 | 0 | XXX | 9 | 0 | XXX | XXX | XXX | 0.000000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 9999999 | 0.000000 | 99 | UNK | XXX | 1 | 1 | 0 | 9 | XXX | XXX | 0 | 0 | 0 | 1 | 4 | XXX | XXX | XXX | 2 | 0 | 0 | 0 | 0 | XXX | 2 | 0 | XXX | XXX | XXX | XXX | 1 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 3 | 70 | XXX | XXX | XXX | XXXXXXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXX | XXX | XXX | 1 | XXX | XXX | 1 | 1 | 0.00 | 3 | 0 | XXX | 3 | 0 | XXX | XXX | XXX | 0.000000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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ASF Addendum - Business Purpose
Run Date - 7/2/2025 11:15:41 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Seller Name | Originator Name | Guideline Author | Loan Program | Loan Program Date | Executed NOO Docs in File | Lease In Place Flag | Rental Purpose | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Rental Income Used for Property DSCR Calculation | Rental Source for Property DTI Calculation | Calculated Monthly Debt | Property DTI | Investor DTI | Inverse DSCR | Net Operating Income | Total Debt Service | DSCR | Total DSCR | PITIA | Lease End Date | Original Lease Term | Lease in Place Flag Unit 1 | Lease Start Date Unit 1 | Lease End Date Unit 1 | Original Lease Term Unit 1 | Rental Purpose Unit 1 | Actual In Place Rent Unit 1 | Third Party Market Rent Estimate Unit 1 | Lease in Place Flag Unit 2 | Lease Start Date Unit 2 | Lease End Date Unit 2 | Original Lease Term Unit 2 | Rental Purpose Unit 2 | Actual In Place Rent Unit 2 | Third Party Market Rent Estimate Unit 2 | Lease in Place Flag Unit 3 | Lease Start Date Unit 3 | Lease End Date Unit 3 | Original Lease Term Unit 3 | Rental Purpose Unit 3 | Actual In Place Rent Unit 3 | Third Party Market Rent Estimate Unit 3 | Lease in Place Flag Unit 4 | Lease Start Date Unit 4 | Lease End Date Unit 4 | Original Lease Term Unit 4 | Rental Purpose Unit 4 | Actual In Place Rent Unit 4 | Third Party Market Rent Estimate Unit 4 | Lease in Place Flag Unit 5 | Lease Start Date Unit 5 | Lease End Date Unit 5 | Original Lease Term Unit 5 | Rental Purpose Unit 5 | Actual In Place Rent Unit 5 | Third Party Market Rent Estimate Unit 5 | Lease in Place Flag Unit 6 | Lease Start Date Unit 6 | Lease End Date Unit 6 | Original Lease Term Unit 6 | Rental Purpose Unit 6 | Actual In Place Rent Unit 6 | Third Party Market Rent Estimate Unit 6 | Lease in Place Flag Unit 7 | Lease Start Date Unit 7 | Lease End Date Unit 7 | Original Lease Term Unit 7 | Rental Purpose Unit 7 | Actual In Place Rent Unit 7 | Third Party Market Rent Estimate Unit 7 | Lease in Place Flag Unit 8 | Lease Start Date Unit 8 | Lease End Date Unit 8 | Original Lease Term Unit 8 | Rental Purpose Unit 8 | Actual In Place Rent Unit 8 | Third Party Market Rent Estimate Unit 8 | Lease in Place Flag Unit 9 | Lease Start Date Unit 9 | Lease End Date Unit 9 | Original Lease Term Unit 9 | Rental Purpose Unit 9 | Actual In Place Rent Unit 9 | Third Party Market Rent Estimate Unit 9 | Lease in Place Flag Unit 10 | Lease Start Date Unit 10 | Lease End Date Unit 10 | Original Lease Term Unit 10 | Rental Purpose Unit 10 | Actual In Place Rent Unit 10 | Third Party Market Rent Estimate Unit 10 | Rent Loss Insurance | Rent Loss Insurance Amount | HOA Flag | HOA Monthly Premium Amount | Monthly Property Tax | Monthly Insurance Cost | Asset Verification | Blanket Mortgage Flag | Number of Mortgaged Properties With Lender | Number of Properties | Foreign National Alternative Credit Documentation | Foreign National Borrower 1 | Foreign National Borrower 2 | Investor Type | Number of Years Property Owned | Borrower Residency Status | Co Borrower Residency Status | Qualifying Credit Score | Months Bankruptcy 7 11 | Months Bankruptcy 13 | Months Deed in Lieu | Months Short Sale or Pre FC | Prior Mtg Rent Late 30d in 12m | Prior Mtg Rent Late 60d in 12m | Prior Mtg Rent Late 90d in 12m | Prior Mtg Rent Late 30d in 24m | Prior Mtg Rent Late 60d in 24m | Prior Mtg Rent Late 90d in 24m | Section 8 | Street Address | Borrower 1 Type | Borrower 1 Designation | Borrower 1 Employment Status | Borrower 1 First Name | Borrower 1 Last Name | Borrower 1 Number of Mortgaged Properties | Borrower 1 Citizenship | Borrower 1 Documentation Used to Determine Legal Residency | Borrower 1 Country Name | Borrower 1 Asset Verification Level | Borrower 1 Credit Order Date | Borrower 1 Experian FICO | Borrower 1 Experian FICO Model Used | Borrower 1 Equifax FICO | Borrower 1 Equifax FICO Model Used | Borrower 1 TransUnion FICO | Borrower 1 TransUnion FICO Model Used | Borrower 2 Type | Borrower 2 Designation | Borrower 2 Employment Status | Borrower 2 First Name | Borrower 2 Last Name | Borrower 2 Number of Mortgaged Properties | Borrower 2 Citizenship | Borrower 2 Documentation Used to Determine Legal Residency | Borrower 2 Country Name | Borrower 2 Asset Verification Level | Borrower 2 Credit Order Date | Borrower 2 Experian FICO | Borrower 2 Experian FICO Model Used | Borrower 2 Equifax FICO | Borrower 2 Equifax FICO Model Used | Borrower 2 TransUnion FICO | Borrower 2 TransUnion FICO Model Used | Borrower 3 Designation | Borrower 3 First Name | Borrower 3 Last Name | Borrower 3 Number of Mortgaged Properties | Borrower 3 Citizenship | Borrower 3 Documentation Used to Determine Legal Residency | Borrower 3 Country Name | Borrower 3 Asset Verification Level | Borrower 3 Credit Order Date | Borrower 3 Experian FICO | Borrower 3 Experian FICO Model Used | Borrower 3 Equifax FICO | Borrower 3 Equifax FICO Model Used | Borrower 3 TransUnion FICO | Borrower 3 TransUnion FICO Model Used | Borrower 4 Designation | Borrower 4 First Name | Borrower 4 Last Name | Borrower 4 Number of Mortgaged Properties | Borrower 4 Citizenship | Borrower 4 Documentation Used to Determine Legal Residency | Borrower 4 Country Name | Borrower 4 Asset Verification Level | Borrower 4 Credit Order Date | Borrower 4 Experian FICO | Borrower 4 Experian FICO Model Used | Borrower 4 Equifax FICO | Borrower 4 Equifax FICO Model Used | Borrower 4 TransUnion FICO | Borrower 4 TransUnion FICO Model Used | Personal Guarantee | Guarantor 1 First Name | Guarantor 1 Last Name | Guarantor 1 Business Ownership Percent | Guarantor 1 Recourse Type | Guarantor 1 Number of Mortgaged Properties | Guarantor 1 Citizenship | Guarantor 1 Documentation Used to Determine Legal Residency | Guarantor 1 Country Name | Guarantor 1 Asset Verification Level | Guarantor 1 Employment Verification Level | Guarantor 1 Income Verification Level | Guarantor 1 FICO Model Used | Guarantor 1 Credit Order Date | Guarantor 1 Experian FICO | Guarantor 1 Experian FICO Model Used | Guarantor 1 Equifax FICO | Guarantor 1 Equifax FICO Model Used | Guarantor 1 TransUnion FICO | Guarantor 1 TransUnion FICO Model Used | Guarantor 1 Most Recent Fico Method | Guarantor 2 First Name | Guarantor 2 Last Name | Guarantor 2 Business Ownership Percent | Guarantor 2 Recourse Type | Guarantor 2 Number of Mortgaged Properties | Guarantor 2 Citizenship | Guarantor 2 Documentation Used to Determine Legal Residency | Guarantor 2 Country Name | Guarantor 2 Asset Verification Level | Guarantor 2 Employment Verification Level | Guarantor 2 Income Verification Level | Guarantor 2 FICO Model Used | Guarantor 2 Credit Order Date | Guarantor 2 Experian FICO | Guarantor 2 Experian FICO Model Used | Guarantor 2 Equifax FICO | Guarantor 2 Equifax FICO Model Used | Guarantor 2 TransUnion FICO | Guarantor 2 TransUnion FICO Model Used | Guarantor 2 Most Recent Fico Method | Guarantor 3 First Name | Guarantor 3 Last Name | Guarantor 3 Business Ownership Percent | Guarantor 3 Recourse Type | Guarantor 3 Number of Mortgaged Properties | Guarantor 3 Citizenship | Guarantor 3 Documentation Used to Determine Legal Residency | Guarantor 3 Country Name | Guarantor 3 Asset Verification Level | Guarantor 3 Employment Verification Level | Guarantor 3 Income Verification Level | Guarantor 3 FICO Model Used | Guarantor 3 Credit Order Date | Guarantor 3 Experian FICO | Guarantor 3 Experian FICO Model Used | Guarantor 3 Equifax FICO | Guarantor 3 Equifax FICO Model Used | Guarantor 3 TransUnion FICO | Guarantor 3 TransUnion FICO Model Used | Guarantor 3 Most Recent Fico Method | Guarantor 4 First Name | Guarantor 4 Last Name | Guarantor 4 Business Ownership Percent | Guarantor 4 Recourse Type | Guarantor 4 Number of Mortgaged Properties | Guarantor 4 Citizenship | Guarantor 4 Documentation Used to Determine Legal Residency | Guarantor 4 Country Name | Guarantor 4 Asset Verification Level | Guarantor 4 Employment Verification Level | Guarantor 4 Income Verification Level | Guarantor 4 FICO Model Used | Guarantor 4 Credit Order Date | Guarantor 4 Experian FICO | Guarantor 4 Experian FICO Model Used | Guarantor 4 Equifax FICO | Guarantor 4 Equifax FICO Model Used | Guarantor 4 TransUnion FICO | Guarantor 4 TransUnion FICO Model Used | Guarantor 4 Most Recent Fico Method | Authorized Signor 1 First Name | Authorized Signor 1 Last Name | Authorized Signor 2 First Name | Authorized Signor 2 Last Name | Member 1 First Name | Member 1 Last Name | Member 1 Documentation Used to Determine Legal Residency | Member 1 Credit Order Date | Member 1 Experian FICO | Member 1 Experian FICO Model Used | Member 1 Equifax FICO | Member 1 Equifax FICO Model Used | Member 1 TransUnion FICO | Member 1 TransUnion FICO Model Used | Member 1 Asset Verification Level | Member 1 Employment Verification Level | Member 1 Income Verification Level | Member 2 First Name | Member 2 Last Name | Member 2 Documentation Used to Determine Legal Residency | Member 2 Credit Order Date | Member 2 Experian FICO | Member 2 Experian FICO Model Used | Member 2 Equifax FICO | Member 2 Equifax FICO Model Used | Member 2 TransUnion FICO | Member 2 TransUnion FICO Model Used | Member 2 Asset Verification Level | Member 2 Employment Verification Level | Member 2 Income Verification Level | Loan Application Date | Sales Contract Date | Qualifying Home Value for LTV | Number of Units | Year Built | Total Sq Ft | Number of Bedrooms | Number of Bathrooms | Property Condition | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Investment Property Original As Is LTV | As Is Value | After Repair Value | After Repair Value LTV | Loan to Cost | Original Sales Price | Assignment Fee | Loan to Purchase Price | SBC Occupancy | Investment Property Type | Has Dutch Interest | Interest Reserves Escrowed | Guarantor 1 ITIN Flag | Guarantor 2 ITIN Flag | Guarantor 3 ITIN Flag | Guarantor 4 ITIN Flag |
| XXX | 36 | XXX | No | XXX | XXX | XXX | XXX | XXX | Level 4-Stated/Verified as defined | No | No | XXX | US Citizen | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Individual | Individual | XXX | XXX | US Citizen | Level 4-Stated/Verified as defined | XXX | XXX | Fair Isaac | XXX | Beacon 5.0 | XXX | FICO Risk Score Classic 04 | No | XXX | XXX | C2 | XXX |