Exhibit 99.2

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

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

DESCRIPTION OF SERVICES:

(1) Type of assets that were reviewed.

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Santander Bank N.A. (the “Client”). The review was conducted between August 3 2024 and May 28 2025 via files imaged and provided for review (the “Review”).

(2) Sample size of the assets reviewed.

This Review consisted of 100% of the loan population.

FINAL SECURITIZATION POPULATION

Selene was instructed to perform a review on a population totaling 85 Non-QM loans and 33 ATR-QM exempt loans for a total of 118 loans the “Final Securitization Population”.

Credit Reviews (118):

During the Review, Selene performed a credit review on 118 mortgage loans in the Final Securitization Population.

Compliance Review (118)

During the Review, Selene performed a compliance review when applicable on 118 mortgage loans in the Final Securitization Population.

Valuation Reviews (118):

During the Review, Selene performed a property valuation review on 118 mortgage loans in the Final Securitization Population.

Data Integrity Review (118):

During the Review, Selene performed a Data Integrity Review on 118 mortgage loans in the Final Securitization Population.

FINAL SECURITIZATION POPULATION

After Selene’s initial review was completed, the Client provided Selene with a confirmed list of 118 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

Review	Reviewed Total	% of Final Securitization Population
Credit Population	118	100%
Compliance Population	118	100%
Valuation Population	118	100%
Data Integrity Population	118	100%

(3) Determination of the sample size and computation.

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E, S&P Global Ratings (“S&P”) (the “NRSRO(s)”).

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

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

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

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

GUIDELINES

LoanStream One Guide, ACC Mortgage Underwriting Guidelines, Kind Lending Non-Agency Program Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, Easy Street Easy Rent DSCR Guidelines (collectively the “Guidelines”)

LOAN GRADING

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an “initial” and a “final” grade. The “initial” grade was assigned during the initial loan review. The “final” grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene’s loan grading is solely based on Selene’s independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page 2 of 16

SCOPE OF REVIEW

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

CREDIT REVIEW

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

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

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

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

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

COMPLIANCE REVIEW

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

PROPERTY VALUATION REVIEW

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

Original Appraisal Assessment

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

Value Supported Analysis

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

Page 3 of 16

DATA INTEGRITY REVIEW

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

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

Tape data is uploaded into the application;

Loan Reviewer collects validated loan data;

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

Discrepancies found during comparison are stored and reported.

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

SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 118 mortgage loans, (ii) a Compliance Review on 118 mortgage loans (iii) a Valuation Review on 118 mortgage loans, and (iv) a Data Integrity Review on 118 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

REVIEW RESULTS SUMMARY

After review of the 118 mortgage loans; 109 mortgage loans had a rating grade of A, 9 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

Grades per loan (118 overall loans):

	INITIAL RA GRADES - OVERALL		FINAL RA GRADES - OVERALL
NRSRO Grade	S&P	%	NRSRO Grade	S&P	%
A	18	15.25%	A	109	92.37%
B	1	0.85%	B	9	7.63%
C	29	24.58%	C	0	0.00%
D	70	59.32%	D	0	0.00%

Page 4 of 16

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

	FINAL RA GRADES - COMPLIANCE			FINAL RA GRADES - CREDIT
NRSRO Grade	S&P	%	NRSRO Grade	S&P	%
A	114	96.61%	A	114	96.61%
B	4	3.39%	B	4	3.39%
C	0	0.00%	C	0	0.00%
D	0	0.00%	D	0	0.00%

	FINAL RA GRADES - PROPERTY
NRSRO Grade	S&P	%
A	117	99.15%
B	1	0.85%
C	0	0.00%
D	0	0.00%

REVIEW RESULTS SUMMARY (EXCEPTION LISTING)

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

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

Page 5 of 16

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

THIRD PARTY REVIEW REPORTING DELIVERED

Selene furnished the following reports on this transaction:

Selene Due Diligence Narrative Report

ASF Report

Grading Summary

Exception Detail

Tape Discrepancies

Valuations Report

Supplemental Data

Third Party (TPR) Attestation Form

Attestation Form 15E

Page 6 of 16

APPENDIX A – CREDIT REVIEW SCOPE

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

Credit Application

For the Credit Application, Selene verified whether:

The application is signed by all listed borrowers;

The application is substantially filled out; and

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

Credit Report

Selene verified:

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

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

Note the Real Estate Owned and fraud alerts; and

Gather data required for ASF Report submission which may include:

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

Most recent FICO date

Longest Trade Line

Maximum Trade Line

Number of trade lines

Credit Usage Ratio

Employment and Income

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

Verbal or Written VOE’s

Pay stubs

W-2 forms

Tax returns

Financial statements

Award letters

Bank statements

Page 7 of 16

Asset Review

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

VOD’s

Depository account statements

Stock or security account statements

Gift funds

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

Hazard/Flood insurance

A review of the insurance present on the loan was also be performed:

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

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

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

For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the minimum required amount of coverage and meets guideline requirements;

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

Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations.

Title

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

Fraud

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

Reviewed for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

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

Page 8 of 16

Reviewed for any potential occupancy issues based on the borrowers’ address history and confirm that any issues have been addressed in the loan file;

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

Reviewed for any additional consumers associated with the borrowers’ profiles and confirm the materiality and material issues have been addressed in the loan file; and

Addressed all red flag issues.

Additional Review

Selene’s review procedures also included:

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

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

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

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

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

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

Page 9 of 16

APPENDIX B – COMPLIANCE REVIEW SCOPE

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

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

Rescission (§1026.23):

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

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

	i)	review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);
	ii)	proper execution by all required parties;
	iii)	principal and interest calculations, and proper completion of the interest rate and payment summary; and
	iv)	timing of initial and re-disclosed TIL(s).

Tolerances (§§1026.18, 22 and 23):

	i)	inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and
	ii)	inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

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

	i)	points and fees threshold test;
	ii)	APR threshold test;
	iii)	prepayment penalty test; and
	iv)	compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

Higher-priced Mortgage Loan (§1026.35):

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

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

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

Page 10 of 16

Homeownership counseling (§1026.36):

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

Prohibition on Financing Credit Insurance (§1026.36):

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

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

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

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

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

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

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

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

Page 11 of 16

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

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

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

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

General Ability to Repay

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

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

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

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

Page 12 of 16

SCHEDULE I

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

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

AL Consumer Credit License- Mortgage Broker License

AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution Registration

AR Home Loan Protection Act

AZ Mortgage Banker & Broker License-Consumer Lender License

CA AB 489/344 (Division 1.6 of the Financial Code)

CO Consumer Equity Protection Article

CO Consumer Credit Code

DE Licensed Lender License Broker License Lender License

Washington, DC Home Loan Protection Act of 2002

10.

Washington, DC Mortgage Disclosure Act of 2007

11.

FL Fair Lending Act

12.

GA Fair Lending Act (pre- and post-amendments)

13.

HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator Company License

14.

ID Residential Mortgage Practices Act - (Home Loan Practices article)

15.

IN Home Loan Practices Article

16.

IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License- Master Loan Company Registration Nonprofit Mortgage Banker Registrant

17.

KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

18.

LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

19.

MA Mortgage Lender and Broker Regulations

20.

MD Commercial Law amended by Maryland Senate Bill 270

21.

Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

22.

MI Consumer Mortgage Protection Act

23.

MN Mortgage Originator and Servicer Licensing Act

24.

MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

25.

MO Mortgage Company License

26.

MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License
Mortgage Lender License

27.

NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009,2013 amendments)

28.

ND Money Broker License

29.

NE Mortgage Bankers Registration and Licensing Act

30.

NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

31.

NJ Home Ownership Security Act 2002 (pre- and post-amendments)

Page 13 of 16

32.

NM Home Loan Protection Act (pre- and post-amendments)

33.

OH Consumer Sales Practices Act

34.

Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

35.

Summit County, OH Consumer Affairs Board Ordinance

36.

Summit County, OH Consumer Protection Ordinance

37.

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

38.

OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

39.

PA Consumer Equity Protection Act

40.

RI Home Loan Protection Act and Regulation 3

41.

SD Mortgage Lender License – Mortgage Broker License

42.

TN Home Loan Protection Act

43.

UT Residential Mortgage Practices and Licensing Act

44.

VA Mortgage Lender and Broker Act

45.

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

46.

WV Residential Mortgage Lender, Broker and Servicer Act

47.

WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

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

48.

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

49.

CT Abusive Home Lending Practices Act

50.

CT Nonprime Home Loans Statute

51.

IL Office of Banks and Real Estate High Risk Home Loan Regulations

52.

IL High Risk Home Loan ActL Predatory Lending Database Program

53.

Chicago, IL Predatory Lending Ordinance

54.

Cook County, IL Predatory Lending Ordinance

55.

KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

56.

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

57.

MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA “Borrower’s Interest” Standard

58.

Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

59.

NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

60.

NV Unfair Lending Practices Act – Anti Predatory Lending Law

61.

NY GRBB Part 41 (pre- and post-amendments)

62.

NY Banking Law 6-L

63.

NY Banking Law 6-M

64.

OH Anti - Predatory Lending Act (pre- and post-amendments)

65.

Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

66.

RI Providence Ordinance Regarding Predatory Lending (post-amendment)

67.

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

Page 14 of 16

68.

TX Home Loan and High Cost Home Loan Act

69.

UT High Cost Home Loan Act

70.

VT High Rate Loans

71.

VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

72.

WI Responsible High Cost Mortgage Lending Act

Page 15 of 16

APPENDIX C – VALUATION REVIEW SCOPE

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

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

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

Disclaimer

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

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

	o	Selene is not an ‘AMC’ (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

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

Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page 16 of 16

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

Loan ID

Seller Loan ID

Investor Loan ID

Original Loan Amount

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

xxxxxx2568

XXXX

xxxxxx4439

XXXX

xxxxxx4263

XXXX

xxxxxx8490

XXXX

xxxxxx4807

XXXX

xxxxxx6614

XXXX

xxxxxx1201

XXXX

xxxxxx2274

XXXX

xxxxxx1955

XXXX

xxxxxx1097

XXXX

xxxxxx5311

XXXX

xxxxxx0305

XXXX

xxxxx1346

XXXX

xxxxx1375

XXXX

xxxxxx8521

XXXX

xxxxx0180

XXXX

xxxxx1365

XXXX

xxxxxx0082

XXXX

xxxxxx0220

XXXX

xxxxxx9585

XXXX

xxxxxx9101

XXXX

xxxxxx1602

XXXX

xxxxxx9662

XXXX

xxxxxx6822

XXXX

xxxxxx3246

XXXX

xxxxxx9270

XXXX

xxxxxx7139

XXXX

xxxxxx2866

XXXX

xxxxxx0623

XXXX

xxxxxx9988

XXXX

xxxxxx0668

XXXX

xxxxxx0954

XXXX

xxxxxx2222

XXXX

xxxxxx0515

XXXX

xxxxxx1104

XXXX

xxxxxx1557

XXXX

xxxxxx9626

XXXX

xxxxxx1803

XXXX

xxxxxx0147

XXXX

xxxxxx1134

XXXX

xxxxxx1657

XXXX

xxxxxx0639

XXXX

xxxxxx1028

XXXX

xxxxxx9684

XXXX

xxxxxx2409

XXXX

xxxxxx1882

XXXX

xxxxxx9189

XXXX

xxxxxx8316

XXXX

xxxxxx1153

XXXX

xxxxxx1005

XXXX

xxxxxx0995

XXXX

xxxxxx0401

XXXX

xxxxxx0909

XXXX

xxxxxx9505

XXXX

xxxxxx9839

XXXX

xxxxxx9181

XXXX

xxxxxx8984

XXXX

xxxxxx1007

XXXX

xxxxxx9140

XXXX

xxxxxx1683

XXXX

xxxxxx9328

XXXX

xxxxxx0439

XXXX

xxxxxx9614

XXXX

xxxxxx5644

XXXX

xxxxxx0737

XXXX

xxxxxx9793

XXXX

xxxxxx8452

XXXX

xxxxxx1261

XXXX

xxxxxx9931

XXXX

xxxxxx0038

XXXX

xxxxxx0304

XXXX

xxxxxx7276

XXXX

xxxxxx7986

XXXX

xxxxxx0941

XXXX

xxxxxx0881

XXXX

xxxxxx9621

XXXX

xxxxxx0985

XXXX

xxxxxx1339

XXXX

xxxxxx0892

XXXX

xxxxxx0245

XXXX

xxxxxx9556

XXXX

xxxxxx7417

XXXX

xxxxxx1858

XXXX

xxxxxx9358

XXXX

xxxxxx1939

XXXX

xxxxxx1188

XXXX

xxxxxx9956

XXXX

xxxxxx1651

XXXX

xxxxxx1073

XXXX

xxxxxx1977

XXXX

xxxxxx9802

XXXX

xxxxxx1331

XXXX

xxxxxx9436

XXXX

xxxxxx1722

XXXX

xxxxxx9952

XXXX

xxxxxx1724

XXXX

xxxxxx1806

XXXX

xxxxxx1004

XXXX

xxxxxx1677

XXXX

xxxxxx0287

XXXX

xxxxxx1751

XXXX

xxxxxx9513

XXXX

xxxxxx1159

XXXX

xxxxxx9297

XXXX

xxxxxx0736

XXXX

xxxxxx1437

XXXX

xxxxxx1250

XXXX

xxxxxx1587

XXXX

xxxxxx1254

XXXX

xxxxxx5487

XXXX

xxxxxx1288

XXXX

xxxxxx9511

XXXX

xxxxxx1705

XXXX

xxxxxx0195

XXXX

xxxxxx4504

XXXX

xxxxxx4955

XXXX

xxxxxx5429

XXXX

xxxxxx8406

XXXX

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

xxxxxx2568

Closed

2024-08-07 15:18

2024-08-13 12:28

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-08/13/2024
Ready for Review-Document Uploaded. - Seller-08/12/2024
Open-TRID: Missing Final Closing Disclosure. Demand feature has not been selected per page 220. - Due Diligence Vendor-08/07/2024

Ready for Review-Document Uploaded. - Seller-08/12/2024

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-08/13/2024

XXXX

Primary Residence

Purchase

2140113

N/A

XXXX

xxxxxx2568

Closed

2024-08-07 12:37

2024-08-13 09:41

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Updated Hazard Insurance Policy uploaded with corrected policy term, verified & entered in system - Resolved. - Due Diligence Vendor-08/13/2024

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/13/2024

Ready for Review-Document Uploaded. HOI Policy - Seller-08/12/2024

Open-Hazard Insurance Policy Partially Provided Hazard Insurance Policy provided in file but missing with expiration date of HO# and didn't mention whether the the premium is annually or not. Request to provide updated HO3 with expiration date on policy. - Due Diligence Vendor-08/07/2024

Ready for Review-Document Uploaded. HOI Policy - Seller-08/12/2024

XXXX

Primary Residence

Purchase

2138129

N/A

XXXX

xxxxxx2568

Closed

2024-08-07 12:15

2024-08-13 12:56

Resolved

1 - Information

Compliance

HigherPriced:APR

Massachusetts - Higher Priced Mortgage Loan

Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XXXX constitutes compliance with XXXX. This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s366, 408 Final Closing disclosure on Pg#’s217 Rate lock doc on pg-400. An interior and exterior appraisal was completed for this property on pg-23. Notice of right to received copy of appraisal page 471 and confirmation the appraisal was delivered to the borrower – see Pg#’s 208. The loan meets XXXX Guidelines.
- Due Diligence Vendor-08/13/2024
Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with XXXX constitutes compliance with XXXX. This is a XXXX Higher-Priced Mortgage Loan (XXXX). The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." (XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s366, 408 Final Closing disclosure on Pg#’s217 Rate lock doc on pg-400. An interior and exterior appraisal was completed for this property on pg-23. Notice of right to received copy of appraisal page 471 and confirmation the appraisal was delivered to the borrower – see Pg#’s 208. The loan meets XXXX Guidelines.
- Due Diligence Vendor-08/07/2024

Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This is a Massachusetts Higher-Priced Mortgage Loan (HPML). The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s366, 408 Final Closing disclosure on Pg#’s217 Rate lock doc on pg-400. An interior and exterior appraisal was completed for this property on pg-23. Notice of right to received copy of appraisal page 471 and confirmation the appraisal was delivered to the borrower – see Pg#’s 208. The loan meets XXXX Guidelines.
- Due Diligence Vendor-08/13/2024
Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's XXXX APR equals or exceeds the XXXX threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s366, 408 Final Closing disclosure on Pg#’s217 Rate lock doc on pg-400. An interior and exterior appraisal was completed for this property on pg-23. Notice of right to received copy of appraisal page 471 and confirmation the appraisal was delivered to the borrower – see Pg#’s 208. The loan meets XXXX Guidelines.
- Due Diligence Vendor-08/07/2024

Primary Residence

Purchase

2137966

N/A

XXXX

xxxxxx2568

Closed

2024-08-07 11:24

2024-08-13 12:56

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s366, 408 Final Closing disclosure on Pg#’s217 Rate lock doc on pg-400. An interior and exterior appraisal was completed for this property on pg-23. Borrower Notice of right to received copy of appraisal page 471 and confirmation the appraisal was delivered to the borrower – see Pg#’s 208. The loan meets XXXX Guidelines. - Due Diligence Vendor-08/13/2024
Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Rate lock date was entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s366, 408 Final Closing disclosure on Pg#’s217 Rate lock doc on pg-400. An interior and exterior appraisal was completed for this property on pg-23. Borrower Notice of right to received copy of appraisal page 471 and confirmation the appraisal was delivered to the borrower – see Pg#’s 208. The loan meets XXXX Guidelines.
- Due Diligence Vendor-08/07/2024

Primary Residence

Purchase

2137682

N/A

XXXX

xxxxxx4439

Closed

2024-08-08 10:50

2024-08-20 12:03

Resolved

1 - Information

Credit

Assets

Asset 5 Does Not Meet Guideline Requirements

Resolved-Updated Gift letter for XXXX uploaded & wire transfer already available in file XXXX, verified & entered in system - Resolved.  - Due Diligence Vendor-08/20/2024
Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/20/2024
Ready for Review-Document Uploaded. Hi Tenant, there was no Gift of XXXX.  The Check was only for XXXX.  A copy of the Check is on page 392 of our package.  Attached is the correct Gift Letter matching the Check for the Gift. - Seller-08/19/2024
Open-Asset 5 Does Not Meet Guideline Requirements Request to provide wire proof of XXXX mentioned as gift which is said to be transferred before/at closing.  - Due Diligence Vendor-08/08/2024

Ready for Review-Document Uploaded. Hi Tenant, there was no Gift of XXXX. The Check was only for XXXX. A copy of the Check is on page 392 of our package. Attached is the correct Gift Letter matching the Check for the Gift. - Seller-08/19/2024

Resolved-Updated Gift letter for XXXX uploaded & wire transfer already available in file Pg: 207, verified & entered in system - Resolved. - Due Diligence Vendor-08/20/2024
Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/20/2024

XXXX

Primary Residence

Purchase

2146007

N/A

XXXX

xxxxxx4439

Closed

2024-08-08 12:03

2024-08-13 20:08

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding XXXX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
TRID Header Disclosure Page was entered correctly
All disclosures, COC's, Fees, and dates are entered correctly.
Rate lock date was entered correctly.
Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s322, 338.
Final Closing disclosure on Pg#’210
Rate lock doc on pg-204.
An interior and exterior appraisal was completed for this property on pg-17.
A copy of the appraisal was given to the borrower on pgs-366, 367, (borrower confirmation/acknowledge of appraisal delivery is missing in file).
confirmation the appraisal was delivered to the borrower – see Pg#’s 16.
The loan meets XXXX Guidelines.
- Due Diligence Vendor-08/08/2024

Primary Residence

Purchase

2146351

N/A

XXXX

xxxxxx4263

Closed

2024-08-20 11:04

2024-08-26 07:02

Resolved

1 - Information

Credit

Borrower

Borrower 1 Ethnicity Selection is Not Provided

Resolved-Updated Final 1003 with ethnicity selection uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-08/26/2024
Resolved-XXXX Ethnicity Selection is Provided - Due Diligence Vendor-08/26/2024
Ready for Review-Document Uploaded. Updated 1003 - Seller-08/23/2024
Open-XXXX Ethnicity Selection is Not Provided . - Due Diligence Vendor-08/22/2024
Open-XXXX Ethnicity Selection is Not Provided please provide. - Due Diligence Vendor-08/20/2024

Ready for Review-Document Uploaded. Updated 1003 - Seller-08/23/2024

XXXX

Primary Residence

Purchase

2217325

N/A

XXXX

xxxxxx4263

Closed

2024-08-22 17:20

2024-08-26 07:02

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Updated Final 1003 uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-08/26/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-08/26/2024

Ready for Review-Document Uploaded. Updated 1003 - Seller-08/23/2024

Open-The Final 1003 is Incomplete. Years in Industry is less than years in current job. - Due Diligence Vendor-08/22/2024

Ready for Review-Document Uploaded. Updated 1003 - Seller-08/23/2024

Resolved-Updated Final 1003 uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-08/26/2024
Resolved-The Final 1003 is Present - Due Diligence Vendor-08/26/2024

XXXX

Primary Residence

Purchase

2235900

N/A

XXXX

xxxxxx4263

Closed

2024-08-20 09:01

2024-08-26 19:40

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s353 and the Final Closing disclosure on Pg#’s227-231, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s221. An interior and exterior appraisal was completed for this property – see pg#66, the appraisal disclosure was provided to the borrower(s)- see Pg#’s467, and confirmation the appraisal was delivered to the borrower – see Pg#’s63, 64. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-08/26/2024
Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s353 and the Final Closing disclosure on Pg#’s227-231, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s221. An interior and exterior appraisal was completed for this property – see pg#66, the appraisal disclosure was provided to the borrower(s)- see Pg#’s467, and confirmation the appraisal was delivered to the borrower – see Pg#’s63, 64. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-08/20/2024

Primary Residence

Purchase

2217027

N/A

XXXX

xxxxxx8490

Closed

2024-09-05 14:49

2024-09-19 12:07

Resolved

1 - Information

Credit

Corporation/LLC: Certificate of Good Standing Document is missing

Resolved- - Due Diligence Vendor-09/19/2024
Ready for Review-Document Uploaded. Please see the attached XXXX. - Buyer-XXXX
Open-XXXX: Certificate of XXXX is missing for "XXXX". - Due Diligence Vendor-09/05/2024

XXXX

Investment

Refinance

Cash Out - Other

2313771

N/A

XXXX

xxxxxx8490

Closed

2024-08-30 04:08

2024-09-19 05:37

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Resolved, Requested Title Document Provided.
- Due Diligence Vendor-09/19/2024
Resolved-Title Document is fully Present - Due Diligence Vendor-09/19/2024
Ready for Review-Document Uploaded. Please see the attached title policy. - Seller-09/18/2024
Open-Title Document is missing Please provide the missing Title Document. - Due Diligence Vendor-08/30/2024

Ready for Review-Document Uploaded. Please see the attached title policy. - Seller-09/18/2024

Resolved-Resolved, Requested Title Document Provided.
- Due Diligence Vendor-09/19/2024

Resolved-Title Document is fully Present - Due Diligence Vendor-09/19/2024

XXXX

Investment

Refinance

Cash Out - Other

2281881

N/A

XXXX

xxxxxx8490

Closed

2024-08-30 04:55

2024-09-19 05:36

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Resolved, Requested XXXX Provided.
- Due Diligence Vendor-09/19/2024
Resolved-XXXX is provided - Due Diligence Vendor-09/19/2024
Ready for Review-Document Uploaded. Please see the attached XXXX. - Seller-09/18/2024
Open-XXXX Please Provide he missing XXXX. - Due Diligence Vendor-08/30/2024

Ready for Review-Document Uploaded. Please see the attached fraud report. - Seller-09/18/2024

Resolved-Resolved, Requested Third Party Fraud Report Provided.
- Due Diligence Vendor-09/19/2024

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/19/2024

XXXX

Investment

Refinance

Cash Out - Other

2281992

N/A

XXXX

xxxxxx8490

Closed

2024-08-30 04:38

2024-09-19 05:35

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Resolved, CDA Provided as Secondary Valuation.
- Due Diligence Vendor-09/19/2024
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/19/2024
Ready for Review-Document Uploaded. Please see the attached CDA. - Buyer-XXXX
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Please provide valid Secondary valuation as it is missing from file. - Due Diligence Vendor-08/30/2024

XXXX

Investment

Refinance

Cash Out - Other

2281949

N/A

XXXX

xxxxxx8490

Closed

2024-08-30 04:41

2024-09-19 05:34

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Resolved, Requested Hazard Insurance Policy Provided.
- Due Diligence Vendor-09/19/2024

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/19/2024

Ready for Review-Document Uploaded. Please see the attached HOI - Seller-09/18/2024

Open-Missing Hazard Insurance Policy Please Provide Missing Hazard Insurance Policy. - Due Diligence Vendor-08/30/2024

Ready for Review-Document Uploaded. Please see the attached HOI - Seller-09/18/2024

Resolved-Resolved, Requested Hazard Insurance Policy Provided.
- Due Diligence Vendor-09/19/2024

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/19/2024

XXXX

Investment

Refinance

Cash Out - Other

2281954

N/A

XXXX

xxxxxx8490

Closed

2024-08-30 04:41

2024-09-19 05:34

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Resolved, Requested Flood Certificate Provided.
- Due Diligence Vendor-09/19/2024

Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/19/2024

Ready for Review-Document Uploaded. Please see the attached flood cert. - Seller-09/18/2024

Open-Missing Flood Certificate Please Provide Missing Flood Certificate. - Due Diligence Vendor-08/30/2024

Ready for Review-Document Uploaded. Please see the attached flood cert. - Seller-09/18/2024

Resolved-Resolved, Requested Flood Certificate Provided.
- Due Diligence Vendor-09/19/2024

Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/19/2024

XXXX

Investment

Refinance

Cash Out - Other

2281953

N/A

XXXX

xxxxxx8490

Closed

2024-08-30 04:08

2024-09-19 05:33

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Resolved, Requested Tax Certificate Provided with Tax Amount. - Due Diligence Vendor-09/19/2024
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/19/2024
Ready for Review-Document Uploaded. Please see the attached tax certification. - Seller-09/18/2024
Open-Missing Evidence of Property Tax Tax Certificate present on page #748 but do not have any tax amount listed, Please provide updated tax cert. - Due Diligence Vendor-08/30/2024

Ready for Review-Document Uploaded. Please see the attached tax certification. - Seller-09/18/2024

Resolved-Resolved, Requested Tax Certificate Provided with Tax Amount. - Due Diligence Vendor-09/19/2024

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/19/2024

XXXX

Investment

Refinance

Cash Out - Other

2281879

N/A

XXXX

xxxxxx8490

Closed

2024-08-30 04:15

2024-09-19 05:15

Resolved

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Resolved, Requested XXXX Provided.
- Due Diligence Vendor-09/19/2024
Resolved-Validation Resolved' Please provide XXXX documents. - Due Diligence Vendor-09/19/2024
Resolved-Validation Resolved' - Due Diligence Vendor-09/19/2024
Ready for Review-Document Uploaded. 4.13.1.2 BUSINESS ENTITY VESTING
Ownership or title vesting in the name of an LLC, partnership, or corporation (collectively ‘Entity’) is
acceptable on investment property transactions only. For Borrowing Entity Requirements, see 14
XXXX Program and 14.3.5 Borrowing Entities.
To vest ownership in an Entity but close in the name of a natural person, the following requirements
must be met:
Ÿ Business purpose and activities are limited to ownership and management of real estate.
Ÿ Entity limited to a maximum of 4 owners (aka members, partners, or shareholders).
Ÿ A minimum of 50% of the Entity ownership must be represented as borrowers on the loan,
each completing a l003 as applicants.
Ÿ The loan application, credit report, income (if applicable), and assets for each Entity owner
represented will be used to determine qualification and pricing.
Ÿ Each Entity owner represented must receive notice of the loan and its terms prior to closing.
The following Entity documentation must be provided:
Ÿ Entity Articles of Organization, Partnership, and Operating Agreements (if applicable)
Ÿ Employer Identification Number (EIN) Verification Form
Ÿ Certificate of Good Standing
Ÿ Certificate of Authorization for the person executing all documents on behalf of the Entity - Seller-09/18/2024
Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents for "XXXX". - Due Diligence Vendor-08/30/2024

Ready for Review-Document Uploaded. 4.13.1.2 BUSINESS ENTITY VESTING
Ownership or title vesting in the name of an LLC, partnership, or corporation (collectively ‘Entity’) is
acceptable on investment property transactions only. For Borrowing Entity Requirements, see 14
XXXX Program and 14.3.5 Borrowing Entities.
To vest ownership in an Entity but close in the name of a natural person, the following requirements
must be met:
Ÿ Business purpose and activities are limited to ownership and management of real estate.
Ÿ Entity limited to a maximum of 4 owners (aka members, partners, or shareholders).
Ÿ A minimum of 50% of the Entity ownership must be represented as borrowers on the loan,
each completing a l003 as applicants.
Ÿ The loan application, credit report, income (if applicable), and assets for each Entity owner
represented will be used to determine qualification and pricing.
Ÿ Each Entity owner represented must receive notice of the loan and its terms prior to closing.
The following Entity documentation must be provided:
Ÿ Entity Articles of Organization, Partnership, and Operating Agreements (if applicable)
Ÿ Employer Identification Number (EIN) Verification Form
Ÿ Certificate of Good Standing
Ÿ Certificate of Authorization for the person executing all documents on behalf of the Entity - Seller-09/18/2024

Resolved-Resolved, Requested LLC Docs Provided.
- Due Diligence Vendor-09/19/2024
Resolved-Validation Resolved' Please provide XXXX documents. - Due Diligence Vendor-09/19/2024
Resolved-Validation Resolved' - Due Diligence Vendor-09/19/2024

XXXX

Investment

Refinance

Cash Out - Other

2281902

N/A

XXXX

xxxxxx8490

Closed

2024-08-30 04:17

2024-09-19 05:15

Resolved

1 - Information

Credit

Eligibility

Business Entity EIN Number Missing

Resolved-Resolved, Requested EIN Provided.
- Due Diligence Vendor-09/19/2024
Ready for Review-Document Uploaded. EIN is listed on the attached letter - Buyer-09/18/2024
Open-Please provide Business Entity EIN for "XXXX". - Due Diligence Vendor-08/30/2024

Resolved-Resolved, Requested EIN Provided.
- Due Diligence Vendor-09/19/2024

XXXX

Investment

Refinance

Cash Out - Other

2281907

N/A

XXXX

xxxxxx4807

Closed

2024-09-10 10:00

2024-10-07 20:33

Cured

2 - Non-Material

Compliance

TRID Tolerance

Fees: Limited

Cured- - Due Diligence Vendor-10/07/2024
Cured-PCCD uploaded with Cure documentation, cured. - Due Diligence Vendor-10/07/2024
Ready for Review-Document Uploaded.  - Seller-10/07/2024
Ready for Review-Document Uploaded.  - Seller-10/04/2024
Open-The Recording Fees – Mortgage/Deed of Trust has been increased from XXXX and Reconveyance Fee XXXX has been added  from Initial CD to Revised CD but COC for the above two changes not provided. Please provide COC for Revised CD on increase of Recording Fees – Mortgage/Deed of Trust and addition of Reconveyance Fee. - Due Diligence Vendor-09/10/2024
Open-The total amount of the XXXX category fees (XXXX) has increased by more than XXXX over the current baseline value of XXXX. The total amount of fees in the XXXX category cannot exceed XXXX. The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust, Reconveyance Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). XXXX. - Due Diligence Vendor-09/10/2024

Ready for Review-Document Uploaded. - Seller-10/07/2024

Ready for Review-Document Uploaded. - Seller-10/04/2024

Cured-PCCD uploaded with Cure documentation, cured. - Due Diligence Vendor-10/07/2024

XXXX

Primary Residence

Purchase

2340203

N/A

XXXX

xxxxxx4807

Closed

2024-09-10 10:00

2024-10-07 20:19

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved- - Due Diligence Vendor-10/07/2024
Ready for Review- - Due Diligence Vendor-10/07/2024
Ready for Review-Document Uploaded. - Seller-10/04/2024
Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is XXXX. The Last CD shows a total lender credit amount of XXXX. The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX and comments XXXX. Lender Credit decreased from XXXX (Revised LE) to XXXX (Initial CD) but COC for lender decrease not provided. Please provide COC for Initial CD on lender decrease. - Due Diligence Vendor-09/10/2024

Ready for Review-Document Uploaded. - Seller-10/04/2024

Resolved- - Due Diligence Vendor-10/07/2024

XXXX

Primary Residence

Purchase

2340204

N/A

XXXX

xxxxxx4807

Closed

2024-09-10 10:00

2024-10-07 20:02

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Documents uploaded, resolved. - Due Diligence Vendor-10/07/2024
Ready for Review-Document Uploaded. - Seller-10/07/2024
Counter-Change of Circumstance form must have a valid reason for the change in loan fees/items. Please provide a change of circumstance for with a valid reason for fee changes - Due Diligence Vendor-10/07/2024
Ready for Review-Document Uploaded. - Seller-10/04/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX. Loan Discount Fee has been added from Initial CD XXXX to Revised CD XXXX but COC for the same is not provided. Please provide COC for Revised CD on Loan Discount Fee addition. - Due Diligence Vendor-09/10/2024

Ready for Review-Document Uploaded. - Seller-10/07/2024

Ready for Review-Document Uploaded. - Seller-10/04/2024

Resolved-Documents uploaded, resolved. - Due Diligence Vendor-10/07/2024

XXXX

Primary Residence

Purchase

2340201

N/A

XXXX

xxxxxx4807

Closed

2024-09-10 10:00

2024-10-07 20:33

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (9.456%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s273 and the Final Closing disclosure on Pg#’s116-121, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s292-294, 113. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#’s358, and confirmation the appraisal was delivered to the borrower – see Pg#’s17. The loan meets XXXX guidelines, resolved.
- Due Diligence Vendor-10/07/2024
Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s273 and the Final Closing disclosure on Pg#’s116-121, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s292-294, 113. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#’s358, and confirmation the appraisal was delivered to the borrower – see Pg#’s17. The loan meets XXXX, resolved.
- Due Diligence Vendor-10/07/2024
Resolved-The loan's XXXX APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) - Due Diligence Vendor-10/07/2024
Resolved-The loan's (XXXX) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX. XXXX This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s273 and the Final Closing disclosure on Pg#’s116-121, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s292-294, 113. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#’s358, and confirmation the appraisal was delivered to the borrower – see Pg#’s17. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/07/2024
Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s273 and the Final Closing disclosure on Pg#’s116-121, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s292-294, 113. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#’s358, and confirmation the appraisal was delivered to the borrower – see Pg#’s17. The loan meets XXXX guidelines, resolved.
- Due Diligence Vendor-09/10/2024

Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s273 and the Final Closing disclosure on Pg#’s116-121, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s292-294, 113. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#’s358, and confirmation the appraisal was delivered to the borrower – see Pg#’s17. The loan meets XXXX guidelines, resolved.
- Due Diligence Vendor-10/07/2024
Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s273 and the Final Closing disclosure on Pg#’s116-121, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s292-294, 113. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#’s358, and confirmation the appraisal was delivered to the borrower – see Pg#’s17. The loan meets XXXX guidelines, resolved.
- Due Diligence Vendor-10/07/2024
Resolved-The loan's (9.456%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-10/07/2024
Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s273 and the Final Closing disclosure on Pg#’s116-121, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s292-294, 113. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#’s358, and confirmation the appraisal was delivered to the borrower – see Pg#’s17. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-10/07/2024
Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s273 and the Final Closing disclosure on Pg#’s116-121, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s292-294, 113. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#’s358, and confirmation the appraisal was delivered to the borrower – see Pg#’s17. The loan meets XXXX guidelines, resolved.
- Due Diligence Vendor-09/10/2024

Primary Residence

Purchase

2340205

N/A

XXXX

xxxxxx6614

Closed

2024-09-13 11:53

2024-09-18 15:22

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD uploaded. - Due Diligence Vendor-09/18/2024
Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/17/2024
Open-TRID: Missing Closing Disclosure Request to provide additional CD/PCCD To reflect the gift Funds, Adjustments towards the closing, Gift Letter page XXXX
- Due Diligence Vendor-09/13/2024

Ready for Review-Document Uploaded. Hi Tenant, please see attached. - Seller-09/17/2024

Resolved-PCCD uploaded. - Due Diligence Vendor-09/18/2024

XXXX

Primary Residence

Purchase

2367882

N/A

XXXX

xxxxxx6614

Closed

2024-09-13 12:31

2024-09-18 15:22

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's XXXX APR equals or exceeds the XXXX threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#491,572, 658 and the Final Closing disclosure on Pg342, Finding reflects escrows. Rate lock date was entered correctly – see Pg502. An interior and exterior appraisal was completed for this property – see pg 49, the appraisal disclosure was provided to the borrower(s)- see Pg567, and confirmation the appraisal was delivered to the borrower – see Pg#507. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-09/18/2024
Rescinded-The loan's XXXX APR equals or exceeds the XXXX threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#491,572, 658 and the Final Closing disclosure on Pg342, Finding reflects escrows. Rate lock date was entered correctly – see Pg502. An interior and exterior appraisal was completed for this property – see pg 49, the appraisal disclosure was provided to the borrower(s)- see Pg567, and confirmation the appraisal was delivered to the borrower – see Pg#507. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-09/13/2024

Primary Residence

Purchase

2368086

N/A

XXXX

xxxxxx6614

Closed

2024-09-13 12:31

2024-09-18 15:21

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-09/18/2024
Ready for Review-Hi Tenant, Loan Discount Point did not increase. It was always 1.5%. Please remember that the cents NEVER appears on the LE. 1.5% of loan amount XXXX is XXXX. The cents NEVER reflects on the LE. - Seller-09/17/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-09/13/2024

Ready for Review-Hi Tenant, Loan Discount Point did not increase. It was always 1.5%. Please remember that the cents NEVER appears on the LE. 1.5% of loan amount XXXX is XXXX. The cents NEVER reflects on the LE. - Seller-09/17/2024

Resolved- - Due Diligence Vendor-09/18/2024

Primary Residence

Purchase

2368085

N/A

XXXX

xxxxxx6614

Closed

2024-09-17 08:49

2024-09-18 15:19

Resolved

1 - Information

Credit

Doc Issue

Missing asset documentation (ATR)

Resolved-The copy of the checks for the Gifts are right below the Gift Letter in File uploads. - Due Diligence Vendor-09/18/2024
Ready for Review-Document Uploaded. Hi Tenant, please check pages 107 - 110 of our package. The copy of the checks for the Gifts are right below the Gift Letter. - Seller-09/17/2024
Open-Please provide proof of wire funds sent to title for the gift letters on page XXXX. - Due Diligence Vendor-09/17/2024

Ready for Review-Document Uploaded. Hi Tenant, please check pages 107 - 110 of our package. The copy of the checks for the Gifts are right below the Gift Letter. - Seller-09/17/2024

Resolved-The copy of the checks for the Gifts are right below the Gift Letter in File uploads. - Due Diligence Vendor-09/18/2024

XXXX

Primary Residence

Purchase

2386457

N/A

XXXX

xxxxxx1201

Closed

2024-10-31 08:39

2024-11-27 07:55

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-11/27/2024
Ready for Review-Document Uploaded. Final 1003 signed - Seller-11/26/2024
Open-The Final 1003 is Missing The Final 1003 provided is missing the borrower's signature (see page 653 of the PDF). The LO's signature & date is present, but not the borrower's. - Due Diligence Vendor-10/31/2024

Ready for Review-Document Uploaded. Final 1003 signed - Seller-11/26/2024

Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-11/27/2024

XXXX

Primary Residence

Purchase

2718769

N/A

XXXX

xxxxxx1201

Closed

2024-10-31 09:45

2024-11-19 13:45

Resolved

1 - Information

Credit

Closing

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

Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/19/2024
Ready for Review-Document Uploaded. Gap Credit - Seller-11/18/2024
Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired. The Gap Report provided is dated XXXX. The date of Closing (per the signature date of the Final CD and the Note & Deed of Trust) XXXX, for a total of 13 days. - Due Diligence Vendor-10/31/2024

Ready for Review-Document Uploaded. Gap Credit - Seller-11/18/2024

Resolved-XXXX Gap Credit Report is not expired. - Due Diligence Vendor-11/19/2024

XXXX

Primary Residence

Purchase

2718944

N/A

XXXX

xxxxxx1201

Closed

2024-10-31 08:39

2024-11-07 14:18

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/07/2024
Resolved-The complete Initial 1003 was received. System updated. - Due Diligence Vendor-11/06/2024
Ready for Review-Document Uploaded. Initial 1003 signed by all parties - Seller-11/05/2024
Open-The Initial 1003 is Missing The Initial 1003 provided is missing the LO's signature (see page 660 of the PDF). The date is present, but not the LO signature. - Due Diligence Vendor-10/31/2024

Ready for Review-Document Uploaded. Initial 1003 signed by all parties - Seller-11/05/2024

Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/07/2024

Resolved-The complete Initial 1003 was received. System updated. - Due Diligence Vendor-11/06/2024

XXXX

Primary Residence

Purchase

2718770

N/A

XXXX

xxxxxx1955

Closed

2024-11-07 04:41

2024-11-26 13:39

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/26/2024
Ready for Review-Document Uploaded. Evidence of Insurance - Seller-11/25/2024
Open-Need updated policy as the date funds disbursed is XXXX and policy is dated XXXX. - Due Diligence Vendor-11/25/2024
Rescinded-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX PCCD effective date is XXXX - Due Diligence Vendor-11/07/2024

Ready for Review-Document Uploaded. Evidence of Insurance - Seller-11/25/2024

Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/26/2024
Rescinded-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX PCCD effective date is XXXX - Due Diligence Vendor-11/07/2024

XXXX

Primary Residence

Purchase

2759299

N/A

XXXX

xxxxxx1955

Closed

2024-11-07 05:07

2024-11-25 14:00

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated 1008 and BFL page. DTI Is now in line.   - Due Diligence Vendor-11/25/2024
Ready for Review-Document Uploaded. Updated 1008  - Seller-11/22/2024
Open-Updated with liabilities on credit report and get amount of  XXXX rent loss in amount of XXXX total for the subject in amount of XXXX gives total of XXXX=XXXX has it at XXXX difference of XXXX from the liabilities.

- Due Diligence Vendor-11/07/2024

Ready for Review-Document Uploaded. Updated 1008 - Seller-11/22/2024

Resolved-Updated 1008 and BFL page. DTI Is now in line. - Due Diligence Vendor-11/25/2024

XXXX

Primary Residence

Purchase

2759385

N/A

XXXX

xxxxxx1955

Closed

2024-11-13 17:16

2024-11-25 13:55

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/25/2024
Resolved-Received report shows 0 unable to clear. - Due Diligence Vendor-11/25/2024
Ready for Review-Document Uploaded. XXXX - Seller-11/22/2024
Open-Fraud report shows 1 uncleared - Due Diligence Vendor-11/13/2024

Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/22/2024

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/25/2024

Resolved-Received report shows 0 unable to clear. - Due Diligence Vendor-11/25/2024

XXXX

Primary Residence

Purchase

2801692

N/A

XXXX

xxxxxx1955

Closed

2024-11-07 06:47

2024-11-18 08:25

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Property is New Construction Considered XXXX of Sales Price to verify Taxes which is now matching. - Due Diligence Vendor-11/18/2024
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/18/2024
Ready for Review-Document Uploaded. Property Tax Info - Seller-11/15/2024
Open-Missing Evidence of Property Tax Property taxes per 1008 is XXXX, however unable to validate this amount from available tax documents on file. Please review and provide a tax document validating this amount. - Due Diligence Vendor-11/07/2024

Ready for Review-Document Uploaded. Property Tax Info - Seller-11/15/2024

XXXX

Primary Residence

Purchase

2759639

N/A

XXXX

xxxxxx1097

Closed

2024-11-13 15:54

2024-11-22 22:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/22/2024
Ready for Review-Document Uploaded. Legible I797 - Seller-11/22/2024
Counter-Document not legible - need clear image - Due Diligence Vendor-11/18/2024
Ready for Review-Document Uploaded. The first paragraph states because he applied in time it is extended - Seller-11/15/2024
Open-XXXX Card is expired/ Bwr permanent resident alien card expired in 2023, need renewed XXXX card - Due Diligence Vendor-11/13/2024

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

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

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

XXXX

Investment

Purchase

2800427

N/A

XXXX

xxxxxx5311

Closed

2024-11-22 10:59

2024-11-27 12:51

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-11/27/2024
Ready for Review-Document Uploaded. COC 11/14 - Seller-11/26/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Funding Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). A funding fee of XXXX was newly added in revised CD dated XXXX, however there are no COC for this date or lender credits for this CD. Provide a valid COC or sufficient lender credits to cure this. - Due Diligence Vendor-11/22/2024

Ready for Review-Document Uploaded. COC XXXX - Seller-11/26/2024

Resolved-Resolved - Due Diligence Vendor-11/27/2024

XXXX

Primary Residence

Purchase

2863184

N/A

XXXX

xxxxxx5311

Closed

2024-11-22 10:03

2024-11-25 23:18

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV Requirements

Waived-Audited CLTV of XXXX exceeds Guideline CLTV of XXXX Property is located in Rural area, hence max CLTV is XXXX, however UW has provided an exception for LTV exceeding guideline requirement on page #475. - Due Diligence Vendor-11/22/2024

1. DTI is at 33.32 and max DTI can go up to 50%
2. Reserves required is 3 months and borrower has 24.48 months of reserves.
3. Residual Income is at XXXX.

Primary Residence

Purchase

2862958

Originator Pre-Close

Yes

XXXX

xxxxx1346

Closed

2024-12-13 18:36

2024-12-18 23:36

Resolved

1 - Information

Credit

Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3)

Resolved-Appraisal completed post0disaster incident, shows no damage, Resolved. - Due Diligence Vendor-12/18/2024
Ready for Review-Appraisal completed well after incident date. - Seller-12/16/2024
Open-Property potentially affected by FEMA Disaster ID XXXX. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-12/13/2024

Ready for Review-Appraisal completed well after incident date. - Seller-12/16/2024

Resolved-Appraisal completed post0disaster incident, shows no damage, Resolved. - Due Diligence Vendor-12/18/2024

Investment

Purchase

3003769

N/A

XXXX

xxxxx1375

Closed

2024-12-13 16:29

2024-12-23 19:50

Waived

2 - Non-Material

Compliance

Missing Doc

The Final 1003 is Missing

Waived-Lender provided approved exception for Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. Finding waived.  - Due Diligence Vendor-12/23/2024

Ready for Review-Document Uploaded.  - Seller-12/18/2024

Open-The Final 1003 is Missing Please provide LLC 1003.  - Due Diligence Vendor-12/13/2024

Ready for Review-Document Uploaded. - Seller-12/18/2024

XXXX

Months reserves - Loan file - 30.25 months, Guideline - 6 months
DSCR - Loan file - 1.002, Guideline - 1

Investment

Purchase

3002172

Originator Post-Close

Yes

XXXX

xxxxx1375

Closed

2024-12-13 04:25

2024-12-19 08:35

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Required Document provided, changes Made in system, Finding Resolved - Due Diligence Vendor-12/19/2024

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/19/2024

Ready for Review-Document Uploaded. - Seller-12/18/2024

Open-Missing Third Party Fraud Report Fraud Report missing in file. - Due Diligence Vendor-12/13/2024

Ready for Review-Document Uploaded. - Seller-12/18/2024

Resolved-Required Document provided, changes Made in system, Finding Resolved - Due Diligence Vendor-12/19/2024

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/19/2024

XXXX

Investment

Purchase

2998617

N/A

XXXX

xxxxxx8521

Closed

2024-12-11 14:12

2024-12-16 15:54

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024

Ready for Review-Document Uploaded. toolkit - Buyer-12/12/2024

Open-Home toolkit being delivered to borrower missing from file - Due Diligence Vendor-12/11/2024

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024

XXXX

Primary Residence

Purchase

2979972

N/A

XXXX

xxxxxx8521

Closed

2024-12-10 05:44

2024-12-16 15:49

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved' - Due Diligence Vendor-12/16/2024

Ready for Review-Document Uploaded. income attached. - Buyer-12/12/2024

Open-Missing Lender Income Calculation Worksheet from file. - Due Diligence Vendor-12/10/2024

Resolved-Validation Resolved' - Due Diligence Vendor-12/16/2024

XXXX

Primary Residence

Purchase

2968008

N/A

XXXX

xxxxxx8521

Closed

2024-12-12 07:06

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Primary Residence

Purchase

2988699

N/A

XXXX

xxxxx0180

Closed

2024-12-31 12:42

2025-01-03 12:47

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Revised LE dated XXXX and related COC received - Due Diligence Vendor-01/03/2025
Ready for Review-Document Uploaded. - Seller-01/02/2025
Open-Provide Revised LE dated XXXX and related COC - Due Diligence Vendor-12/31/2024

Ready for Review-Document Uploaded. - Seller-01/02/2025

Resolved-Revised LE dated XXXX and related COC received - Due Diligence Vendor-01/03/2025

XXXX

Primary Residence

Purchase

3110221

N/A

XXXX

xxxxx0180

Closed

2024-12-21 06:22

2024-12-31 12:40

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/31/2024

Ready for Review-Document Uploaded. - Seller-12/27/2024

Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/21/2024

Ready for Review-Document Uploaded. - Seller-12/27/2024

Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/31/2024

XXXX

Primary Residence

Purchase

3061379

N/A

XXXX

xxxxx0180

Closed

2024-12-21 06:22

2024-12-31 12:39

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial LE Received - Due Diligence Vendor-12/31/2024

Open-Provide Initial LE - Due Diligence Vendor-12/21/2024

Resolved-Initial LE Received - Due Diligence Vendor-12/31/2024

Primary Residence

Purchase

3061380

N/A

XXXX

xxxxx0180

Closed

2024-12-21 06:25

2024-12-31 12:39

Resolved

1 - Information

Credit

Doc Issue

Affiliated Business Arrangement Disclosure Statement is Incomplete

Resolved-ABA received - Due Diligence Vendor-12/31/2024

Open-Provide ABA - Due Diligence Vendor-12/21/2024

Resolved-ABA received - Due Diligence Vendor-12/31/2024

Primary Residence

Purchase

3061383

N/A

XXXX

xxxxx0180

Closed

2024-12-26 18:11

2024-12-31 12:38

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/31/2024

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/31/2024

Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/26/2024

Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/31/2024

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/31/2024

Primary Residence

Purchase

3086014

N/A

XXXX

xxxxx0180

Closed

2024-12-26 18:10

2024-12-31 12:38

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-HOC received - Due Diligence Vendor-12/31/2024

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/31/2024

Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/26/2024

Resolved-HOC received - Due Diligence Vendor-12/31/2024

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/31/2024

Primary Residence

Purchase

3086010

N/A

XXXX

xxxxx0180

Closed

2024-12-21 04:48

2024-12-31 12:38

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-Initial 1003 received - Due Diligence Vendor-12/31/2024

Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/31/2024

Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-12/21/2024

Resolved-Initial 1003 received - Due Diligence Vendor-12/31/2024

Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/31/2024

Primary Residence

Purchase

3061303

N/A

XXXX

xxxxx0180

Closed

2024-12-21 06:25

2024-12-31 12:32

Resolved

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved-Intent to Proceed received - Due Diligence Vendor-12/31/2024

Ready for Review-Document Uploaded. - Seller-12/27/2024

Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-12/21/2024

Ready for Review-Document Uploaded. - Seller-12/27/2024

Resolved-Intent to Proceed received - Due Diligence Vendor-12/31/2024

XXXX

Primary Residence

Purchase

3061385

N/A

XXXX

xxxxx0180

Closed

2024-12-26 17:13

2024-12-31 12:32

Resolved

1 - Information

Compliance

Deficient E-Sign Form.

Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/31/2024

Ready for Review-Document Uploaded. - Seller-12/27/2024

Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/26/2024

Ready for Review-Document Uploaded. - Seller-12/27/2024

Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/31/2024

XXXX

Primary Residence

Purchase

3085362

N/A

XXXX

xxxxx0180

Closed

2024-12-21 05:34

2024-12-30 05:52

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Supplemental Report Provided. - Due Diligence Vendor-12/30/2024
Resolved-Validation Resolved' - Due Diligence Vendor-12/30/2024
Ready for Review-Document Uploaded. - Seller-12/27/2024
Open-VOR/VOM Doc Status should not be 'Missing'. Per Final 1003, borrower has been renting for XXXX years iao $XXXX. Provide VOR - Due Diligence Vendor-12/21/2024

Ready for Review-Document Uploaded. - Seller-12/27/2024

Resolved-Supplemental Report Provided. - Due Diligence Vendor-12/30/2024

Resolved-Validation Resolved' - Due Diligence Vendor-12/30/2024

XXXX

Primary Residence

Purchase

3061343

N/A

XXXX

xxxxx0180

Closed

2025-01-03 13:11

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Primary Residence

Purchase

3130151

N/A

XXXX

xxxxx1365

Closed

2024-12-26 12:22

2025-01-13 13:09

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-This loan failed the higher-priced mortgage loan test. XXXX. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 322 and the Final Closing disclosure on page 104 reflects escrows. Rate lock date was entered correctly – see page 340. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see DISC Finding pg 74 and copy of the appraisal was given to the borrower – see page Findings. The loan meets XXXX guidelines - Due Diligence Vendor-01/13/2025
Open-The loan's XXXX APR equals or exceeds the Federal XXXX threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.XXXX . - Due Diligence Vendor-01/13/2025
Resolved-The loan's XXXX APR equals or exceeds the Federal XXXX threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.XXXX(a)(1)(i)) - Due Diligence Vendor-01/13/2025
Resolved-This loan failed the higher-priced mortgage loan test. XXXX. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 322 and the Final Closing disclosure on page 104 reflects escrows. Rate lock date was entered correctly – see page 340. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see DISC Finding pg 74 and copy of the appraisal was given to the borrower – see page Findings. The loan meets XXXX guidelines - Due Diligence Vendor-12/31/2024
Ready for Review-Document Uploaded. - Seller-12/27/2024
Open-The loan'sXXXX APR equals or exceeds the Federal XXXX threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.XXXX . - Due Diligence Vendor-12/26/2024

Ready for Review-Document Uploaded. - Seller-12/27/2024

Resolved-This loan failed the higher-priced mortgage loan test. XXXX. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 322 and the Final Closing disclosure on page 104 reflects escrows. Rate lock date was entered correctly – see page 340. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see DISC Finding pg 74 and copy of the appraisal was given to the borrower – see page Findings. The loan meets HPML guidelines - Due Diligence Vendor-01/13/2025
Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.XXXX - Due Diligence Vendor-01/13/2025
Resolved-This loan failed the higher-priced mortgage loan test. XXXX. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 322 and the Final Closing disclosure on page 104 reflects escrows. Rate lock date was entered correctly – see page 340. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see DISC Finding pg 74 and copy of the appraisal was given to the borrower – see page Findings. The loan meets HPML guidelines - Due Diligence Vendor-12/31/2024

XXXX

Primary Residence

Purchase

3082481

N/A

XXXX

xxxxx1365

Closed

2024-12-26 12:22

2025-01-13 13:08

Resolved

1 - Information

Compliance

Fees:Limited

New Jersey - Recording Service Fee (MLFOP)(First Lien)

Resolved-Updated PCCD - Due Diligence Vendor-01/13/2025
Open-. - Due Diligence Vendor-01/13/2025
Resolved-PCCD and refund to borrower iao $XXXX - Due Diligence Vendor-01/13/2025
Ready for Review-Document Uploaded. Cure issued. - Seller-01/09/2025
Open-See Section C Recording Services iao $XXXX. Max allowed $XXXX. Provide tolerance cure or lender credit - Due Diligence Vendor-01/09/2025
Open-You charged a (XXXX Recording Service Fee. The XXXX, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $XXXX. XXXX . - Due Diligence Vendor-12/26/2024

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

Resolved-Updated PCCD - Due Diligence Vendor-01/13/2025
Resolved-PCCD and refund to borrower iao $XXXX - Due Diligence Vendor-01/13/2025

XXXX

Primary Residence

Purchase

3082479

N/A

XXXX

xxxxx1365

Closed

2025-01-13 12:56

2025-01-13 13:07

Resolved

1 - Information

Compliance

Mavent

NJ Fee Not Allowed- Administration Fee (Fee ID: 141)

Resolved- - Due Diligence Vendor-01/13/2025
Open-Section XXXX of theXXXX, Fees, Obligations Provisions XXXX does not allow Administration Fee XXXX to be charged to the Borrower in XXXX. - Due Diligence Vendor-01/13/2025

Resolved- - Due Diligence Vendor-01/13/2025

Primary Residence

Purchase

3190013

N/A

XXXX

xxxxx1365

Closed

2025-01-13 12:56

2025-01-13 13:07

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Updated PCCD - Due Diligence Vendor-01/13/2025
Open-The disclosed finance charge XXXX is XXXX below the actual finance chargeXXXX. The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than XXXX below the actual finance charge.XXXX; XXXX . - Due Diligence Vendor-01/13/2025

Resolved-Updated PCCD - Due Diligence Vendor-01/13/2025

Primary Residence

Purchase

3190014

N/A

XXXX

xxxxx1365

Closed

2024-12-26 12:22

2025-01-09 16:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-COC received - Due Diligence Vendor-01/09/2025
Ready for Review-Document Uploaded.  - Seller-01/07/2025
Counter-Received Disclosure Tracking Summary and CD dated XXXX.  XXXX document. - Due Diligence Vendor-12/31/2024
Ready for Review-Document Uploaded.  - Seller-12/27/2024
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX; XXXX; XXXX. - Due Diligence Vendor-12/26/2024

Ready for Review-Document Uploaded. - Seller-01/07/2025

Ready for Review-Document Uploaded. - Seller-12/27/2024

Resolved-COC received - Due Diligence Vendor-01/09/2025

XXXX

Primary Residence

Purchase

3082477

N/A

XXXX

xxxxx1365

Closed

2024-12-31 13:27

2025-01-09 16:41

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Revised LE dated XXXX and related COC received - Due Diligence Vendor-01/09/2025
Ready for Review-Document Uploaded. Attached. - Seller-01/07/2025
Open-Provide Revised LE dated XXXX and related COC - Due Diligence Vendor-12/31/2024

Ready for Review-Document Uploaded. Attached. - Seller-01/07/2025

Resolved-Revised LE dated 11/15/2024 and related COC received - Due Diligence Vendor-01/09/2025

XXXX

Primary Residence

Purchase

3110475

N/A

XXXX

xxxxx1365

Closed

2024-12-19 12:38

2024-12-26 13:04

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/26/2024

Resolved-Home Loan Toolkit Received - Due Diligence Vendor-12/26/2024

Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/19/2024

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/26/2024

Resolved-Home Loan Toolkit Received - Due Diligence Vendor-12/26/2024

Primary Residence

Purchase

3041549

N/A

XXXX

xxxxx1365

Closed

2024-12-24 14:31

2024-12-26 13:04

Resolved

1 - Information

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/26/2024

Resolved-HOC Received - Due Diligence Vendor-12/26/2024

Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/24/2024

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/26/2024

Resolved-HOC Received - Due Diligence Vendor-12/26/2024

Primary Residence

Purchase

3075340

N/A

XXXX

xxxxx1365

Closed

2024-12-26 12:22

2024-12-26 12:41

Resolved

1 - Information

Compliance

TRID

Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application

Resolved-Updated Initial 1003 - Due Diligence Vendor-12/26/2024
Open-The List of Settlement Service Providers Disclosure Date (2024-11-04) is more than 3 business days from the Application Date XXXX. Three business days from the Application Date is XXXX. Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. XXXX; XXXX . - Due Diligence Vendor-12/26/2024

Resolved-Updated Initial 1003 - Due Diligence Vendor-12/26/2024

Primary Residence

Purchase

3082478

N/A

XXXX

xxxxx1365

Closed

2024-12-26 12:22

2024-12-26 12:41

Resolved

1 - Information

Compliance

TRID

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Updated Initial 1003 - Due Diligence Vendor-12/26/2024
Open-The Initial Loan Estimate Disclosure Date XXXX is more than 3 business days from the Application Date XXXX. Three business days from the Application Date is XXXX. Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. XXXX . - Due Diligence Vendor-12/26/2024

Resolved-Updated Initial 1003 - Due Diligence Vendor-12/26/2024

Primary Residence

Purchase

3082480

N/A

XXXX

xxxxx1365

Closed

2024-12-19 12:36

2024-12-26 12:01

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial LE Received - Due Diligence Vendor-12/26/2024

Open-Provide Intial Loan Estimate, - Due Diligence Vendor-12/19/2024

Resolved-Initial LE Received - Due Diligence Vendor-12/26/2024

Primary Residence

Purchase

3041543

N/A

XXXX

xxxxx1365

Closed

2024-12-19 12:38

2024-12-26 12:00

Resolved

1 - Information

Credit

Doc Issue

Affiliated Business Arrangement Disclosure Statement is Missing

Resolved-ABA Received - Due Diligence Vendor-12/26/2024

Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/19/2024

Resolved-ABA Received - Due Diligence Vendor-12/26/2024

Primary Residence

Purchase

3041551

N/A

XXXX

xxxxx1365

Closed

2024-12-19 12:37

2024-12-26 11:59

Resolved

1 - Information

Compliance

Disclosure

Missing Intent to Proceed

Resolved-Intent to Proceed Disclosure Received - Due Diligence Vendor-12/26/2024

Ready for Review-Document Uploaded. - Seller-12/24/2024

Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-12/19/2024

Ready for Review-Document Uploaded. - Seller-12/24/2024

Resolved-Intent to Proceed Disclosure Received - Due Diligence Vendor-12/26/2024

XXXX

Primary Residence

Purchase

3041545

N/A

XXXX

xxxxx1365

Closed

2024-12-19 11:03

2024-12-26 08:16

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Reuired Document Provided, changes made in system, Finding Resolved. - Due Diligence Vendor-12/26/2024

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/26/2024

Ready for Review-Document Uploaded. - Seller-12/24/2024

Open-The 1008 document is missing from the loan file. Provide 1008 - Due Diligence Vendor-12/19/2024

Ready for Review-Document Uploaded. - Seller-12/24/2024

XXXX

Primary Residence

Purchase

3041143

N/A

XXXX

xxxxxx0082

Closed

2025-01-02 23:13

2025-01-31 17:56

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-01/31/2025
Ready for Review-Document Uploaded. tax estimation calculator uploaded - Buyer-XXXX
Open-Missing Evidence of Property Tax Property Taxes impound amount on HUD is not consistent with tax cert provided. - Due Diligence Vendor-01/02/2025

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-01/31/2025

XXXX

Investment

Purchase

3127878

N/A

XXXX

xxxxxx0082

Closed

2025-01-02 22:55

2025-01-31 17:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/31/2025
Ready for Review-Document Uploaded. borrower ID docs uploaded - Buyer-XXXX
Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Per GLs for foreign national borrowers, copies of the borrower’s passport and unexpired visa must be obtained. Acceptable alternative documentation to verify visa classification. Evidence of XXXX Form and an XXXX form are not on file - Due Diligence Vendor-01/02/2025

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/31/2025

XXXX

Investment

Purchase

3127806

N/A

XXXX

xxxxxx0082

Closed

2025-01-02 22:55

2025-01-31 17:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Citizenship Identification Documentation Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/31/2025

Ready for Review-Document Uploaded. Co borrower identification documents uploaded - Seller-01/29/2025

Open-Borrower 2 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. - Due Diligence Vendor-01/02/2025

Ready for Review-Document Uploaded. Co borrower identification documents uploaded - Seller-01/29/2025

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-01/31/2025

XXXX

Investment

Purchase

3127807

N/A

XXXX

xxxxxx0082

Closed

2024-12-26 09:23

2025-01-09 12:41

Resolved

1 - Information

Credit

Doc Issue

Prepayment Notice is Missing

Resolved-PPP details provided in note. Resolved - Due Diligence Vendor-01/09/2025

Ready for Review-Document Uploaded. PPP details are in Note - Buyer-01/09/2025

Open-Prepayment Notice is Missing, loan is investment required Prepayment document. - Due Diligence Vendor-12/26/2024

Resolved-PPP details provided in note. Resolved - Due Diligence Vendor-01/09/2025

XXXX

Investment

Purchase

3082007

N/A

XXXX

xxxxxx0082

Closed

2024-12-26 09:21

2025-01-09 12:31

Resolved

1 - Information

Credit

Missing Doc

Missing rent comparable schedule form 1007

Resolved-1007 provided. Resolved - Due Diligence Vendor-01/09/2025

Ready for Review-Document Uploaded. Uploaded for review - Buyer-01/09/2025

Open-Rent schedule missing in file Unable to verifying Dscr and provide updated 1007 document - Due Diligence Vendor-12/26/2024

Resolved-1007 provided. Resolved - Due Diligence Vendor-01/09/2025

XXXX

Investment

Purchase

3082004

N/A

XXXX

xxxxxx0082

Closed

2024-12-26 09:23

2025-01-09 12:25

Resolved

1 - Information

Compliance

Missing Doc

Missing Initial Escrow Disclosure

Resolved-Not required for BPL loans, No finding required. Resolved
- Due Diligence Vendor-01/09/2025

Ready for Review-Not required on BPL loans - Buyer-01/09/2025

Open-Initial Escrow Disclosure missing from file. File has escrows. Please provide.
- Due Diligence Vendor-12/26/2024

Resolved-Not required for BPL loans, No finding required. Resolved
- Due Diligence Vendor-01/09/2025

Investment

Purchase

3082009

N/A

XXXX

xxxxxx0220

Closed

2025-01-11 21:26

2025-01-28 14:11

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-Lock confirmation provided reflecting borrower paid down rate to have no prepayment penlaty - Due Diligence Vendor-01/28/2025
Resolved-The Note is Present - Due Diligence Vendor-01/28/2025
Ready for Review-Document Uploaded. updated lock attached. - Buyer-XXXX
Open-The Note is Incomplete Per lock confirmation there is a 5 year prepayment penalty however note does not reflect prepayment terms - Due Diligence Vendor-01/11/2025

Resolved-Lock confirmation provided reflecting borrower paid down rate to have no prepayment penlaty - Due Diligence Vendor-01/28/2025

Resolved-The Note is Present - Due Diligence Vendor-01/28/2025

XXXX

Investment

Refinance

Cash Out - Other

3188293

N/A

XXXX

xxxxxx9585

Closed

2025-03-13 05:29

2025-04-30 17:12

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-VOR to verify Housing history uploaded. Resolved.  - Due Diligence Vendor-04/30/2025

Ready for Review-Document Uploaded.  - Seller-04/30/2025

Counter- GL shows Mortgage/rental history is required for most programs. If a borrower’s mortgage or rental history is not reported on the
credit report, alternative documentation showing the most recent 12-month history (VORs and VOMs from
servicing/mortgage companies and companies/management companies, etc., cancelled checks, mortgage/rental
statements including payment history, etc.) should be provided. Please advise or upload LOX  - Due Diligence Vendor-03/24/2025

Ready for Review-We are missing the rent verification. But guides say we only need 6 months, not 12.   - Seller-03/21/2025

Open-Proof of 12 months Primary Mortgage or Current Rent History is missing. - Due Diligence Vendor-03/13/2025

Ready for Review-Document Uploaded. - Seller-04/30/2025

Ready for Review-We are missing the rent verification. But guides say we only need 6 months, not 12. - Seller-03/21/2025

Resolved-VOR to verify Housing history uploaded. Resolved. - Due Diligence Vendor-04/30/2025

XXXX
XXXX

Primary Residence

Purchase

3598928

N/A

XXXX

xxxxxx9585

Closed

2025-03-13 05:38

2025-04-17 14:59

Waived

2 - Non-Material

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Waived-Exception requested to waive 2nd appraisal requirement
- Due Diligence Vendor-04/17/2025
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/17/2025
Ready for Review-Document Uploaded.  - Seller-04/16/2025
Counter-This is not a 2nd appraisal. Need a second full appraisal.  - Due Diligence Vendor-04/02/2025
Ready for Review-Document Uploaded.  - Seller-04/01/2025
Counter-Still need 2nd full appraisal. - Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded.  - Seller-03/20/2025
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX 1.Secondary Valuation or Additional Valuation is missing, as Collateral Underwriting on pg#230 showing CU score as XXXX.
2. 2nd Full appraisal is missing as the qualifying Loan amount is >$XXXX, as per guideline requirement. - Due Diligence Vendor-03/13/2025

Ready for Review-Document Uploaded.  - Seller-04/16/2025

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

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

XXXX
XXXX
XXXX

1. Solid DTI at 37, guidelines maxed at 50%
2. Strong residual income at XXXX, guidelines minimum XXXX+XXXX+XXXX others
3. Solid credit, 18 yrs credit depth, all paid as agreed, 0% revolving credit utilization
4. Reviewed first appraisal with our Chief Appraiser, value is supported, CDA in file with 0%
variance

Primary Residence

Purchase

3598944

Originator Post-Close

Yes

XXXX

xxxxxx9585

Closed

2025-03-13 07:01

2025-03-24 14:19

Resolved

1 - Information

Compliance

TRID CD disclosure violation; missing partial payment policy information on Closing Disclosure.

Resolved-PCCD with partial payment feature checkmarked uploaded. Resolved. - Due Diligence Vendor-03/24/2025

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

Open-TRID CD disclosure violation; missing partial payment policy information on Closing Disclosure. - Due Diligence Vendor-03/13/2025

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

Resolved-PCCD with partial payment feature checkmarked uploaded. Resolved. - Due Diligence Vendor-03/24/2025

XXXX

Primary Residence

Purchase

3599141

N/A

XXXX

xxxxxx9101

Closed

2025-03-21 15:22

2025-03-25 12:13

Waived

2 - Non-Material

Compliance

HigherPriced:APR

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

Waived- - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. Compliance Response & HPML Disclosure - Seller-03/24/2025
Open-The loan's XXXX equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is XXXX.XXXX; XXXX; XXXX - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Compliance Response & XXXX Disclosure - Seller-03/24/2025

Waived- - Due Diligence Vendor-03/25/2025

XXXX
XXXX

Per External Counsel Appropriate to Waive as a B Grade

Primary Residence

Purchase

3668474

Originator Post-Close

XXXX

xxxxxx9101

Closed

2025-03-17 19:49

2025-03-20 13:23

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

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

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

Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/17/2025

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

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

XXXX

Primary Residence

Purchase

3629860

N/A

XXXX

xxxxxx9101

Closed

2025-03-13 07:57

2025-03-18 08:33

Resolved

1 - Information

Property

Value

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

Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2025
Ready for Review-Document Uploaded. XXXX - Seller-03/17/2025
Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than XXXX; or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-03/13/2025

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

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

XXXX

Primary Residence

Purchase

3599289

N/A

XXXX

xxxxxx9101

Closed

2025-03-13 08:47

2025-03-21 15:22

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved- - Due Diligence Vendor-03/21/2025
Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.XXXX This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #254,259 and the Final Closing disclosure on Pg #118, Finding reflects escrows. Rate lock date was entered correctly – see Pg #116,264. An interior and exterior appraisal was completed for this property – see Pg #29, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #28,27,162.
The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-03/13/2025

Primary Residence

Purchase

3599408

N/A

XXXX

xxxxxx1602

Closed

2025-03-14 04:43

2025-03-28 18:00

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/28/2025

Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025

Open-Borrower 1 Gap Credit Report is Missing. Not a DSCR file. - Due Diligence Vendor-03/14/2025

Ready for Review-Document Uploaded. Gap Credit - Seller-03/28/2025

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/28/2025

XXXX

Investment

Purchase

3609656

N/A

XXXX

xxxxxx9662

Closed

2025-03-14 04:12

2025-03-19 19:53

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/19/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025
Open-Fraud Report Shows Uncleared Alerts • XXXX Alerts Summary document shows a total of 4 High alerts, only 2 of which were cleared; and 5 Medium alerts, only 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/14/2025

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

Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/19/2025

XXXX

Investment

Refinance

Cash Out - Other

3609541

N/A

XXXX

xxxxxx6822

Closed

2025-03-14 12:26

2025-03-20 07:49

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

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

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

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

Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-03/14/2025

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

XXXX

Investment

Refinance

Cash Out - Other

3611549

N/A

XXXX

xxxxxx6822

Closed

2025-03-14 12:16

2025-03-19 07:15

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Loan Collateral Advisor with CU score less than XXXX provided, Verified & entered in system - Resolved
- Due Diligence Vendor-03/19/2025
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/19/2025
Ready for Review-Document Uploaded.XXXX - Seller-03/18/2025
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Secondary Valuation or Additional Valuation report is missing in the file - Due Diligence Vendor-03/14/2025

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

XXXX

Investment

Refinance

Cash Out - Other

3611451

N/A

XXXX

xxxxxx3246

Closed

2025-03-14 14:37

2025-03-20 08:45

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/20/2025

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

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

Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/14/2025

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

XXXX

Investment

Refinance

Cash Out - Other

3613125

N/A

XXXX

xxxxxx9270

Closed

2025-03-19 04:57

2025-03-31 21:05

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Updated Final 1003 uploaded with Assets removed as they were not used to qualify, Verified & entered in system - Resolved
- Due Diligence Vendor-03/21/2025
Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/21/2025
Ready for Review-Document Uploaded. Updated 1003 for assets - Seller-03/20/2025
Open-Asset Record 1 Does Not Meet G/L Requirements Provide proof of documentation for XXXX saving account in the amount of XXXX mentioned in final 1003 as it is missing from file. - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Updated 1003 for assets - Seller-03/20/2025

XXXX

Investment

Refinance

Cash Out - Other

3642803

N/A

XXXX

xxxxxx9270

Closed

2025-03-19 16:07

2025-03-31 20:59

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-after further review and guidance from management - DTI is well below max DTI gls - resolved - Due Diligence Vendor-03/31/2025
Ready for Review-Document Uploaded. Updated approval and 1008. Per UW: Only rental income is on subject
- Seller-03/26/2025
Counter-1. UW net rental income of 5859.00 does not match auditor calc of XXXX + XXXX -XXXX - XXXX = XXXX discrepancy of XXXX
2. total monthly liabilities of XXXX on updated 1008 but actual from credit report has XXXX difference is XXXX-XXXX= XXXX
3. difference between XXXX-XXXX = XXXX
4. all REO properties must be accounted for per GLs
please provide rental income calcualtion worksheet as the 1008 does not have all net rental incomes listed.

- Due Diligence Vendor-03/24/2025
Ready for Review-Document Uploaded. 1008 - Seller-03/20/2025
Open-Audited DTI is 21.51 and Lender DTI is 27.62. The difference is 6.11.

This is because lender considered all other monthly payments as XXXX whereas per documentation it is XXXX difference of XXXX - Due Diligence Vendor-03/19/2025

Ready for Review-Document Uploaded. Updated approval and 1008. Per UW: Only rental income is on subject
- Seller-03/26/2025

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

Resolved-after further review and guidance from management - DTI is well below max DTI gls - resolved - Due Diligence Vendor-03/31/2025

XXXX
XXXX
XXXX

Investment

Refinance

Cash Out - Other

3647934

N/A

XXXX

xxxxxx9270

Closed

2025-03-19 05:00

2025-03-21 09:40

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

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

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/21/2025

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

Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-03/19/2025

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

XXXX

Investment

Refinance

Cash Out - Other

3642817

N/A

XXXX

xxxxxx2866

Closed

2025-03-25 13:28

2025-04-04 19:48

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025
Ready for Review-Document Uploaded. VOR - Seller-04/04/2025
Counter-received same LOE from fiancé as in file, stating the borrower moved. also received updated 1003 stating bwr still lives with fiancé. This is conflicting information and does not provide the primary housing history for past 12 months. 12 months cancelled checks for the XXXX monthly rent or a VOR from current landlord required - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. LOE and updated 1003 - Seller-03/27/2025
Open-Per application bwr renting for last 13 months - VOR for past 12 months required - Due Diligence Vendor-03/25/2025

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

Ready for Review-Document Uploaded. LOE and updated 1003 - Seller-03/27/2025

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

XXXX
XXXX
XXXX

Primary Residence

Purchase

3687807

N/A

XXXX

xxxxxx2866

Closed

2025-03-20 04:37

2025-03-25 09:43

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Requested Freddie Mac with LCA score of XXXX attached hence resolved. - Due Diligence Vendor-03/25/2025
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. XXXX - Seller-03/24/2025
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Secondary Valuation or Additional Valuation report is missing in the file - Due Diligence Vendor-03/20/2025

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

XXXX

Primary Residence

Purchase

3653746

N/A

XXXX

xxxxxx2866

Closed

2025-03-20 04:53

2025-03-25 09:40

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested Fraud report attached with Cleared alerts hence resolved. - Due Diligence Vendor-03/25/2025

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

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

Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Findings - Due Diligence Vendor-03/20/2025

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

XXXX

Primary Residence

Purchase

3653788

N/A

XXXX

xxxxxx2866

Closed

2025-03-20 03:59

2025-03-24 13:03

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-The Deed of Trust is Executed - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Executed DOT & Riders - Seller-03/21/2025

Open-The Deed of Trust is Not Executed Borrower not signed to the DOT & Associated Riders (PUD & MERS), Notary date not given, Required Signed DOT and Riders - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Executed DOT & Riders - Seller-03/21/2025

Resolved-The Deed of Trust is Executed - Due Diligence Vendor-03/24/2025

XXXX

Primary Residence

Purchase

3653540

N/A

XXXX

xxxxxx2866

Closed

2025-03-20 05:31

2025-04-04 19:56

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved- - Due Diligence Vendor-04/04/2025
Resolved-The loan'sXXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.XXXX This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg609 and the Final Closing disclosure on Pg#’s 424 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#615. An interior and exterior appraisal was completed for this property – see pg 40-83, the appraisal disclosure was provided to the borrower(s)- see Pg 575, 617, 39 and confirmation the appraisal was delivered to the borrower – see Pg 617, 39. The loan meets XXXX guidelines, resolved.39
- Due Diligence Vendor-03/20/2025

Resolved- - Due Diligence Vendor-04/04/2025
Resolved-The loan's XXXX equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.XXXX This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg609 and the Final Closing disclosure on Pg#’s 424 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#615. An interior and exterior appraisal was completed for this property – see pg 40-83, the appraisal disclosure was provided to the borrower(s)- see Pg 575, 617, 39 and confirmation the appraisal was delivered to the borrower – see Pg 617, 39. The loan meets XXXX guidelines, resolved.39
- Due Diligence Vendor-03/20/2025

Primary Residence

Purchase

3653863

N/A

XXXX

xxxxxx0623

Closed

2025-03-20 10:35

2025-04-08 19:47

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-received recorded DOT with PUD rider - Due Diligence Vendor-04/08/2025

Ready for Review-Document Uploaded. PUD Rider and corrected pg2 box checked - Seller-04/08/2025

Open-PUD Rider is Missing Provide PUD Rider as it is missing in file. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. PUD Rider and corrected pg2 box checked - Seller-04/08/2025

Resolved-received recorded DOT with PUD rider - Due Diligence Vendor-04/08/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3654824

N/A

XXXX

xxxxxx0623

Closed

2025-03-20 09:42

2025-04-08 19:47

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/24/2025

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

Open-The Deed of Trust is Missing Provide Deed of Trust as it is missing in file. - Due Diligence Vendor-03/20/2025

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

Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/24/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3654608

N/A

XXXX

xxxxxx0623

Closed

2025-03-21 18:02

2025-03-25 11:03

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

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

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

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

Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/21/2025

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

XXXX

Primary Residence

Refinance

Cash Out - Other

3670493

N/A

XXXX

xxxxxx0623

Closed

2025-03-20 11:08

2025-03-25 10:59

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated Final 1003 & 1008 uploaded, HTI & DTI is matching with the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/24/2025
Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 29.05% but Originator DTI is 25.76%. Variance is 3.29 due to the difference in Qualifying income and Insurance premium, our calculated Income is $XXXX verified from income sheet page 431 whereas as per final 1003 page 516, 1008-page 537 qualifying income is XXXX, our calculated Insurance premium is $XXXX matching with IEAD page 363 and Final Cd page 257 whereas as per 1008-page 537 Insurance amount is XXXX and HOA amount as per appraisal is XXXX whereas as per 1008 it is $10.
- Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/24/2025

Resolved-Updated Final 1003 & 1008 uploaded, HTI & DTI is matching with the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3655066

N/A

XXXX

xxxxxx0623

Closed

2025-03-20 10:44

2025-03-25 10:58

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Updated Final 1003 & 1008 with corrected income uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025
Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/24/2025
Open-Our calculated Income is XXXX verified from income sheet page 431 whereas as per final 1003 page 516, 1008 page 537 qualifying income is $74920 due this variance in DTI. - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. Updated 1008/1003 - Seller-03/24/2025

Resolved-Updated Final 1003 & 1008 with corrected income uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-03/25/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3654888

N/A

XXXX

xxxxxx0623

Closed

2025-03-21 02:47

2025-04-09 13:32

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved- - Due Diligence Vendor-04/09/2025
Resolved-The loan's XXXX APR equals or exceeds the Federal HPML threshold of XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX.XXXX This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #363,366 and the Final Closing disclosure on Pg #256, Finding reflects escrows. Rate lock date was entered correctly – see Pg #250. An interior and exterior appraisal was completed for this property – see Pg #20, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #18,19,284.
The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-03/21/2025

Primary Residence

Refinance

Cash Out - Other

3664420

N/A

XXXX

xxxxxx9988

Closed

2025-03-21 19:54

2025-03-28 12:19

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-confirmed free and clear with property report - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. The attached shows what the 1st mortgage amount was which matches the paid off mtg on the credit - Seller-03/27/2025
Counter-unable to connect XXXX loan to primary residence as the mortgage statement not in file - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. VOM Items - Seller-03/25/2025
Open-VOR/VOM Doc Status should not be 'Missing'. VOM for 12 months housing history not in file - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. The attached shows what the 1st mortgage amount was which matches the paid off mtg on the credit - Seller-03/27/2025

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

Resolved-confirmed free and clear with property report - Due Diligence Vendor-03/28/2025

XXXX
XXXX
XXXX
XXXX
XXXX

Investment

Purchase

3671938

N/A

XXXX

xxxxxx0668

Closed

2025-03-24 14:48

2025-03-28 12:10

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/28/2025

Resolved-Updated fraud page. - Due Diligence Vendor-03/28/2025

Ready for Review-Document Uploaded. Full Fraud Report & Cleared Alerts
- Seller-03/27/2025

Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-03/26/2025

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

Open-Third Party Fraud Report Partially Provided Fraud report shows uncleared alerts - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Full Fraud Report & Cleared Alerts
- Seller-03/27/2025

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

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/28/2025

Resolved-Updated fraud page. - Due Diligence Vendor-03/28/2025

XXXX
XXXX
XXXX

Investment

Purchase

3679195

N/A

XXXX

xxxxxx0668

Closed

2025-03-24 14:29

2025-03-25 12:17

Resolved

1 - Information

Compliance

Missing Doc

Missing Deed of Trust

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

Ready for Review-Document Uploaded. Recorded DOT showing pg2 does not have box checked for prepay rider (correct) - Seller-03/24/2025

Open-DOT states there is a prepayment rider; however final Hud in file states no ppp. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Recorded DOT showing pg2 does not have box checked for prepay rider (correct) - Seller-03/24/2025

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

XXXX

Investment

Purchase

3678992

N/A

XXXX

xxxxxx0954

Closed

2025-03-21 12:22

2025-03-28 17:58

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/28/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/28/2025

Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/28/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/28/2025

XXXX

Primary Residence

Purchase

3666266

N/A

XXXX

xxxxxx0954

Closed

2025-03-21 12:13

2025-03-28 12:36

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation (SSR Freddie Mac) Provided. Resolved - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. XXXX - Seller-03/27/2025
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-03/21/2025

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

Resolved-Secondary Valuation or Additional Valuation (SSR Freddie Mac) Provided. Resolved - Due Diligence Vendor-03/28/2025

XXXX

Primary Residence

Purchase

3666179

N/A

XXXX

xxxxxx0954

Closed

2025-03-21 13:50

2025-03-26 00:42

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Primary Residence

Purchase

3667097

N/A

XXXX

xxxxxx2222

Closed

2025-03-24 13:05

2025-03-27 13:14

Resolved

1 - Information

Compliance

Interest:Accrual

California - Interest Rate Accrual Warning (Civ. Code)

Resolved-Resolved - Due Diligence Vendor-03/27/2025
Open-Under the XXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by 1-4 unit dwelling on real property located in XXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code 2948.5) - Due Diligence Vendor-03/24/2025

Resolved-Resolved - Due Diligence Vendor-03/27/2025

Primary Residence

Purchase

3677976

N/A

XXXX

xxxxxx2222

Closed

2025-03-24 12:15

2025-03-27 11:37

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested Cleared Alerts Document attached hence resolved. - Due Diligence Vendor-03/27/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/27/2025

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

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

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

XXXX

Primary Residence

Purchase

3677505

N/A

XXXX

xxxxxx2222

Closed

2025-03-24 11:14

2025-03-26 07:30

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-XXXX document provided. - Due Diligence Vendor-03/26/2025
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. XXXX - Seller-03/25/2025
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-03/24/2025

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

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

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/26/2025

XXXX

Primary Residence

Purchase

3677147

N/A

XXXX

xxxxxx0515

Closed

2025-03-21 09:21

2025-04-10 12:27

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/10/2025

Ready for Review-Document Uploaded. Updated 1008 - Seller-04/09/2025

Counter-1008 does not reflect update DTIs: 36.29% front end DTI and 40.43 back end which matches clients calculation worksheet in other finding using the actual payment. - Due Diligence Vendor-04/08/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/28/2025

Resolved-1008 Document provided. Resolved - Due Diligence Vendor-03/28/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/27/2025

Open-The 1008 document is missing from the loan file. Provide 1008 document as it is missing from file. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Updated 1008 - Seller-04/09/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/27/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/10/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/28/2025

Resolved-1008 Document provided. Resolved - Due Diligence Vendor-03/28/2025

XXXX
XXXX

Primary Residence

Refinance

Cash Out - Other

3665324

N/A

XXXX

xxxxxx0515

Closed

2025-03-21 10:32

2025-04-08 13:23

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved- - Due Diligence Vendor-04/08/2025
Ready for Review-Document Uploaded. UW Response - DTI matches - Seller-04/07/2025
Counter-XXXX taxes per title, XXXX ins and using intitial terms qualifying rate. After updated GAP report calculations total a 36.29% front end DTI and 40.43 back end - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. 1008 - Seller-03/27/2025
Open-Audited DTI is 46.33 and Lender DTI is 42.10. the difference is 4.23

This is because the loan has 10 year interest only fixed rate note and lender considered P&I amount as XXXX where as audited DTI considered P&I as XXXX which is for initial 120 months.

Also, GAP credit report is missing from file. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. UW Response - DTI matches - Seller-04/07/2025

Ready for Review-Document Uploaded. 1008 - Seller-03/27/2025

XXXX
XXXX

Primary Residence

Refinance

Cash Out - Other

3665565

N/A

XXXX

xxxxxx0515

Closed

2025-03-21 09:32

2025-03-28 13:21

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/26/2025
Ready for Review-Document Uploaded. Final Title Policy - Seller-03/25/2025
Open-Title Coverage Amount of XXXX is Less than Loan Amount Provide title document covering full loan amount as the one on file shows coverage amount less than the loan amount. - Due Diligence Vendor-03/21/2025

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

Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/26/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3665357

N/A

XXXX

xxxxxx0515

Closed

2025-03-21 10:14

2025-03-28 12:28

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-03/28/2025

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

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

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

Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-03/28/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3665496

N/A

XXXX

xxxxxx0515

Closed

2025-03-21 09:53

2025-03-28 12:24

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/28/2025

Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/28/2025

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

Open-Borrower 1 Gap Credit Report is Missing Provide GAP credit report as it is missing from file. - Due Diligence Vendor-03/21/2025

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

Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/28/2025

Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/28/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3665412

N/A

XXXX

xxxxxx1104

Closed

2025-03-21 08:38

2025-03-26 13:03

Resolved

1 - Information

Credit

Guarantor Recourse Doc is missing.

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

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

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

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

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

XXXX

Investment

Purchase

3665250

N/A

XXXX

xxxxxx1557

Closed

2025-04-04 12:54

2025-04-04 12:56

Waived

2 - Non-Material

Credit

Credit Worthiness

Mortgage history for primary residence less than 12 months

Waived- - Due Diligence Vendor-04/04/2025
Open-Received exception for primary pay history Refer to payment history finding that was rescinded for comments. - Due Diligence Vendor-04/04/2025
Open-XXXX
3 - Material,
XXXX 2:07 PM (CDT)
Open
Need pay history for primary for 24 months or docs to support free and clear. - Due Diligence Vendor-04/04/2025
Open- - Due Diligence Vendor-04/04/2025

XXXX

1. Borrower has 80.03 months of reserves and all that is required is 6 months
2. Borrower has residual income of XXXX
3. Borrower has a credit score of 778 and minimum required is 740.

Investment

Purchase

3782416

Originator Pre-Close

Yes

XXXX

xxxxxx1557

Closed

2025-03-21 08:13

2025-03-28 12:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. Gap Credit - Seller-XXXX
Open-Borrower 1 Gap Credit Report is Missing Provide borrower 1 Gap Credit Report. Borrower 1 Gap Credit Report missing in file. - Due Diligence Vendor-03/21/2025

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

Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/28/2025

XXXX

Investment

Purchase

3665199

N/A

XXXX

xxxxxx9626

Closed

2025-03-24 12:36

2025-04-08 12:41

Resolved

1 - Information

Credit

Assets

Asset 6 Does Not Meet Guideline Requirements

Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/08/2025
Resolved-No gift funds being used. - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. 1003 no gift - Seller-03/27/2025
Open-Asset 6 Does Not Meet Guideline Requirements Provide proof of documentation for gift funds in the amount of $XXXX per gift letter on page #XXXX as it is not in file. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. 1003 no gift - Seller-03/27/2025

Resolved-Asset 6 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/08/2025

Resolved-No gift funds being used. - Due Diligence Vendor-03/28/2025

XXXX

Investment

Purchase

3677644

N/A

XXXX

xxxxxx9626

Closed

2025-03-24 12:36

2025-04-08 12:41

Resolved

1 - Information

Credit

Assets

Asset 7 Does Not Meet Guideline Requirements

Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/08/2025
Ready for Review-Document Uploaded. Other funds used to close - Seller-04/07/2025
Counter-Down payment on HUD in file shows $XXXX. Reserves still short by approximately $XXXX. - Due Diligence Vendor-04/01/2025
Ready for Review-Document Uploaded. UW response with snippet for sufficient assets & supporting bank statements - Seller-03/31/2025
Counter-With no gift funds in use we are coming up short of reserve requirement by XXXX - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. 1003 no gift - Seller-03/27/2025
Open-Asset 7 Does Not Meet Guideline Requirements Provide proof of documentation for gift funds in the amount of $XXXX per gift letter on page #XXX as it is not in file. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Other funds used to close - Seller-04/07/2025
Ready for Review-Document Uploaded. UW response with snippet for sufficient assets & supporting bank statements - Seller-03/31/2025
Ready for Review-Document Uploaded. 1003 no gift - Seller-03/27/2025

Resolved-Asset 7 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/08/2025

XXXX

Investment

Purchase

3677645

N/A

XXXX

xxxxxx9626

Closed

2025-03-24 07:57

2025-03-28 07:52

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud shows All Fraud Report Alerts have been cleared
- Due Diligence Vendor-03/28/2025
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025
Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 high and 1 medium uncleared alerts. - Due Diligence Vendor-03/24/2025

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

XXXX

Investment

Purchase

3676544

N/A

XXXX

xxxxxx9626

Closed

2025-03-24 08:28

2025-03-28 07:51

Resolved

1 - Information

Credit

DSCR unknown

Resolved-DSCR calculator sheet provided showing DSCR value as XXXX. - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. DSCR calculator - Seller-03/27/2025
Open-Audited DSCR is XXXX, which is based off the Rent of $XXXX / PITIA of $XXXX ($XXXXP&I + $XXXXTaxes + $XXXX Hazard Insurance + $0.00 Flood Insurance). Lender DSCR is XXXX. The difference in DSCR calculations is XXXX.

Provide lender DSCR worksheet as unable to validate lender calculations. - Due Diligence Vendor-03/24/2025

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

Resolved-XXXXcalculator sheet provided showing XXXXvalue as XXXX. - Due Diligence Vendor-03/28/2025

XXXX

Investment

Purchase

3676635

N/A

XXXX

xxxxxx9626

Closed

2025-03-24 08:23

2025-03-28 07:46

Resolved

1 - Information

Credit

Assets

Asset General

Resolved-EMD check proof provided. - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. EMD check - Seller-XXXX
Open-Provide proof of documentation for EMD in the amount of $XXXX mentioned in final 1003 & final HUD1 as it is not in file. - Due Diligence Vendor-03/24/2025

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

Resolved-EMD check proof provided. - Due Diligence Vendor-03/28/2025

XXXX

Investment

Purchase

3676614

N/A

XXXX

xxxxxx9626

Closed

2025-03-24 07:13

2025-03-27 09:02

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- Due Diligence Vendor-03/27/2025
Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/27/2025
Ready for Review-Document Uploaded. Final Title Policy - Seller-XXXX
Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title coverage amount of $XXXXis less than loan amount of $XXXX. provide title document covering full loan amount. - Due Diligence Vendor-03/24/2025

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

Resolved-Final Title Policy uploaded, Title Coverage Amount of XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved
- Due Diligence Vendor-03/27/2025
Resolved-Title Coverage Amount of XXXXis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/27/2025

XXXX

Investment

Purchase

3676444

N/A

XXXX

xxxxxx1803

Closed

2025-03-24 10:25

2025-03-27 18:58

Resolved

1 - Information

Property

Value

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

Resolved-FHLMC UCDP/SSR received with a score of XXXX and is R&W eligible. Resolved. - Due Diligence Vendor-03/27/2025
Ready for Review-Document Uploaded. XXXX- Seller-03/27/2025
Open-• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXXor XXXX/XXXX report with a score less than XXXX, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/24/2025

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

Resolved-XXXX received with a score of 1.0 and is R&W eligible. Resolved. - Due Diligence Vendor-03/27/2025

XXXX

Investment

Purchase

3676961

N/A

XXXX

xxxxxx1803

Closed

2025-03-26 12:59

2025-03-27 18:56

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/27/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/27/2025
Open-Fraud Report Shows Uncleared Alerts • The CoreLogic LoanSafe Connect Alerts Summary document shows a total of XXXX High alerts, only XXXX of which were cleared; and XXXX Low alerts, only 1 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/26/2025

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/27/2025

XXXX

Investment

Purchase

3696943

N/A

XXXX

xxxxxx0147

Closed

2025-03-26 14:23

2025-03-29 13:36

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/29/2025

Resolved-Updated fraud page - Due Diligence Vendor-03/29/2025

Ready for Review-Document Uploaded. Updated Drive Report - Seller-03/28/2025

Open-Third Party Fraud Report Partially Provided Fraud report shows uncleared alerts - Due Diligence Vendor-03/26/2025

Ready for Review-Document Uploaded. Updated Drive Report - Seller-03/28/2025

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/29/2025

Resolved-Updated fraud page - Due Diligence Vendor-03/29/2025

XXXX

Investment

Purchase

3698008

N/A

XXXX

xxxxxx1134

Closed

2025-03-27 17:06

2025-04-01 14:58

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Exception approval provided in these findings: "LTV from XXXX to XXXX. Property is vacant. Subject was listed and borrower's removed in February 2025 and listed for rent in March. LOE not needed as have verification property is listed for rent." - Due Diligence Vendor-04/01/2025
Ready for Review-Document Uploaded. Exception Approval - Seller-04/01/2025
Open-Audited LTV Exceeds Guideline LTV • Per the XXXX Matrix for XXXX loan Programs: Vacant / Unleased Properties for Refinance Rate/Term with a Loan Balance ≤ XXXX= XXXX LTV Max. Audited LTV is XXXX. The 1004 Appraisal confirms the property is vacant. - Due Diligence Vendor-03/27/2025

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

Waived-Exception approval provided in these findings: "LTV from XXXX% to XXXX%. Property is vacant. Subject was listed and borrower's removed in February 2025 and listed for rent in March. LOE not needed as have verification property is listed for rent." - Due Diligence Vendor-04/01/2025

XXXX

(1) Number of months reserves of 7 exceeds program guidelines of 3.
(2) Credit History with mortgage since XXXX, and overall with credit since XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

3710886

Originator Pre-Close

Yes

XXXX

xxxxxx1134

Closed

2025-03-27 17:10

2025-04-01 14:57

Waived

2 - Non-Material

Credit

Missing Doc

Missing letter of explanation

Waived-Exception approval provided in these findings:
"LTV from XXXX to XXXX. Property is vacant. Subject was listed and borrower's removed in February 2025 and listed for rent in March. LOE not needed as have verification property is listed for rent." - Due Diligence Vendor-04/01/2025
Ready for Review-Document Uploaded. Exception Approval - Seller-04/01/2025
Open-• Per the XXXXMatrix for XXXX loan Programs: There needs to be a letter of explanation (LOE) for the cause of the property's vacancy. The 1004 Appraisal confirms that the property is vacant. - Due Diligence Vendor-03/27/2025

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

XXXX

(1) Number of months reserves of 7 exceeds program guidelines of 3.
(2) Credit History with mortgage since XXXX, and overall with credit sinceXXXX.

Investment

Refinance

No Cash Out - Borrower Initiated

3710941

Originator Pre-Close

Yes

XXXX

xxxxxx1134

Closed

2025-03-27 16:52

2025-04-01 14:55

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-XXXX loan.  Income/DTI not required.  The provided 1008 is correct.  Resolved. - Due Diligence Vendor-04/01/2025
Ready for Review-UW Response: This is a XXXX there is no DTI or income inputted - Seller-04/01/2025
Counter-1008 received.  However, this copy of the 1008 is not complete.  The income portion is now missing; and, therefore, the DTI's are not showing. - Due Diligence Vendor-03/28/2025
Ready for Review-Document Uploaded. Updated 1008 - Seller-03/28/2025
Open-Qualifying FICO on the 1008 Page is XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is XXXX or blank. Qualifying FICO entries do not match.  Please confirm the correct Qualifying FICO value. • Per guidelines (XXXX): "XXXXDocumentation: Determine a decision credit score for each borrower/guarantor (lower of two or middle of three), use highest decision credit score amongst all borrowers/guarantors to determine loan eligibility."
Bwr XXXX has a median score of XXXX and BwrXXXX  has a median score of XXXX.  The highest decision score amongst these borrowers is the XXXX.  The 1008 displayed XXXX. - Due Diligence Vendor-03/27/2025

Ready for Review-UW Response: This is a XXXX there is no DTI or income inputted - Seller-04/01/2025
Ready for Review-Document Uploaded. Updated 1008 - Seller-03/28/2025

Resolved-XXXXloan. Income/DTI not required. The provided 1008 is correct. Resolved. - Due Diligence Vendor-04/01/2025

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

3710689

N/A

XXXX

xxxxxx1657

Closed

2025-03-28 07:53

2025-04-02 06:14

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.
- Due Diligence Vendor-04/02/2025

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/02/2025

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

Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-03/28/2025

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

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3716172

N/A

XXXX

xxxxxx1657

Closed

2025-03-28 08:27

2025-04-02 13:28

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved- - Due Diligence Vendor-04/02/2025
Resolved-The loan's (XXXX) APR equals or exceeds the XXXXthreshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. (XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 350 and the Final Closing disclosure on Pg#171 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#364,. An interior and exterior appraisal was completed for this property – see Pg 50-83, the appraisal disclosure was provided to the borrower(s)- see Pg#48-49, 322, 363 and confirmation the appraisal was delivered to the borrower – see Pg#215 The loan meets XXXX guidelines, resolved.
- Due Diligence Vendor-03/28/2025

Resolved- - Due Diligence Vendor-04/02/2025
Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)) This loan failed the higher-priced mortgage loan test. (XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 350 and the Final Closing disclosure on Pg#171 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#364,. An interior and exterior appraisal was completed for this property – see Pg 50-83, the appraisal disclosure was provided to the borrower(s)- see Pg#48-49, 322, 363 and confirmation the appraisal was delivered to the borrower – see Pg#215 The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-03/28/2025

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3716268

N/A

XXXX

xxxxxx0639

Closed

2025-03-27 08:27

2025-04-03 11:39

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/03/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/02/2025
Open-Fraud Report Shows Uncleared Alerts • The XXXX LoanSafe Connect Alerts Summary document shows a total of 5 High alerts, only 3 of which were cleared; and 3 Medium alerts, 2 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/27/2025

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/03/2025

XXXX

Investment

Refinance

Cash Out - Other

3705907

N/A

XXXX

xxxxxx0639

Closed

2025-03-27 08:40

2025-04-01 18:55

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-The Deed of Trust is Present and Complete with the Prepayment Rider. - Due Diligence Vendor-04/01/2025
Ready for Review-Document Uploaded. Recorded DOT showing Prepay Rider box checked on page XXXX and all Riders attached - Seller-04/01/2025
Open-The Deed of Trust is Incomplete • The Prepayment Rider Fixed Percentage document attached to the Security Deed is missing. Additionally, Page #2 of the Security Deed doesn't have a mark in Section E ("Riders") for the Prepayment Rider being attached. - Due Diligence Vendor-03/27/2025

Ready for Review-Document Uploaded. Recorded DOT showing Prepay Rider box checked on page 2 and all Riders attached - Seller-04/01/2025

Resolved-The Deed of Trust is Present and Complete with the Prepayment Rider. - Due Diligence Vendor-04/01/2025

XXXX

Investment

Refinance

Cash Out - Other

3705928

N/A

XXXX

xxxxxx0639

Closed

2025-04-01 12:35

2025-04-01 16:54

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/01/2025

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

Open-Title Document is Incomplete • The Title Document provided contains only pages 4-7 of 9. Pages 1-3 and pages 8-9 are missing. - Due Diligence Vendor-04/01/2025

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

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/01/2025

XXXX

Investment

Refinance

Cash Out - Other

3739380

N/A

XXXX

xxxxxx9684

Closed

2025-04-02 13:04

2025-04-04 16:38

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Corrected 1008 received.  DTI matches that of the audit.  Issue resolved. - Due Diligence Vendor-04/04/2025
Ready for Review-Document Uploaded.  - Seller-04/04/2025
Open-Audited DTI is XXXX% due to the audit's inclusion of a $XXXX mortgage payment (other REO at XXXX Doral Dr) that was not initially captured.  Per the mortgage statement provided for this property with XXXX this property is in the name of Bwr.  And, per a credit report dated XXXX, the account is still open & active.  There is no evidence in the file as to why this mortgage was not captured as an expense. - Due Diligence Vendor-04/02/2025

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

Resolved-Corrected 1008 received. DTI matches that of the audit. Issue resolved. - Due Diligence Vendor-04/04/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3750087

N/A

XXXX

xxxxxx2409

Closed

2025-03-29 02:18

2025-04-02 20:30

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/02/2025

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

Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared findings - Due Diligence Vendor-03/29/2025

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

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/02/2025

XXXX

Investment

Purchase

3725076

N/A

XXXX

xxxxxx2409

Closed

2025-03-29 01:29

2025-04-02 06:24

Resolved

1 - Information

Credit

Doc Issue

Prepayment Rider Missing

Resolved-Prepayment Rider provided. - Due Diligence Vendor-04/02/2025

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

Open-Prepayment Rider Missing in the file - Due Diligence Vendor-03/29/2025

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

Resolved-Prepayment Rider provided. - Due Diligence Vendor-04/02/2025

XXXX

Investment

Purchase

3725045

N/A

XXXX

xxxxxx1882

Closed

2025-03-28 18:49

2025-04-03 11:36

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared . - Due Diligence Vendor-04/03/2025
Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/02/2025
Open-Fraud Report Shows Uncleared Alerts • The XXXXLoanSafe Connect Alerts Summary document shows a total of 6 Medium alerts, only 4 of which were cleared; and 4 Low alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/28/2025

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

Resolved-All Fraud Report Alerts have been cleared . - Due Diligence Vendor-04/03/2025

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

3722560

N/A

XXXX

xxxxxx1882

Closed

2025-04-01 13:31

2025-04-03 11:35

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-04/03/2025
Ready for Review-Document Uploaded. 1008 - Seller-04/02/2025
Open-Qualifying FICO on the 1008 Page is '806' or blank, but the Qualifying FICO from the Credit Liabilities Page is '808' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. . - Due Diligence Vendor-04/02/2025
Open-Qualifying FICO on the 1008 Page is '806' or blank, but the Qualifying FICO from the Credit Liabilities Page is '808' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per guidelines (XXXX) for a XXXXoan: "XXXXDocumentation: Determine a decision credit score for each borrower/guarantor (lower of two or middle of three), use highest decision credit score amongst all borrowers/guarantors to determine loan eligibility. Bwr1's score is 806 and Bwr's score is 808. The 808 should be used to qualify, per XXXX guidelines. - Due Diligence Vendor-04/01/2025

Ready for Review-Document Uploaded. 1008 - Seller-04/02/2025

Resolved-Corrected 1008 received. Validation Resolved. - Due Diligence Vendor-04/03/2025

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

3739984

N/A

XXXX

xxxxxx1882

Closed

2025-04-01 13:42

2025-04-02 11:58

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final HUD-1 / Final Refinance Statement received. System updated with the information. Resolved. - Due Diligence Vendor-04/02/2025

Ready for Review-Document Uploaded. Certified Stamped Final HUD1 - Seller-04/01/2025

Open-Final HUD-1 Document is Preliminary/Estimated Only. • File is missing the HUD-1 or Settlement Statement that is identified as the Final. - Due Diligence Vendor-04/01/2025

Ready for Review-Document Uploaded. Certified Stamped Final HUD1 - Seller-04/01/2025

Resolved-Final HUD-1 / Final Refinance Statement received. System updated with the information. Resolved. - Due Diligence Vendor-04/02/2025

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

3740097

N/A

XXXX

xxxxxx9189

Closed

2025-03-31 11:16

2025-04-04 12:19

Resolved

1 - Information

Credit

Escrow information insufficient or has discrepancy

Resolved-Updated 1008 is in line - Due Diligence Vendor-04/04/2025
Ready for Review-Document Uploaded. Updated 1008 - Seller-04/03/2025
Open-As per page XXXX, Hazard and Flood policy reflecting under one policy and premium amount is XXXX/XXXX=$XXXXbut 1008, IEAD doc, Settlement statements & payment letter reflects as XXXX. - Due Diligence Vendor-03/31/2025

Ready for Review-Document Uploaded. Updated 1008 - Seller-04/03/2025

Resolved-Updated 1008 is in line - Due Diligence Vendor-04/04/2025

XXXX

Investment

Purchase

3728175

N/A

XXXX

xxxxxx9189

Closed

2025-03-31 09:35

2025-04-02 12:28

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Incomplete

Resolved-Received updated page 2 of DOT that is being sent for recording removing the XXXX rider - Due Diligence Vendor-04/02/2025
Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of the DOT removing box for Prepay Rider - Seller-04/01/2025
Open-The Deed of Trust is Incomplete As per Note, HUD, GFE there is no Prepayment in file but DOT Riders Section reflects prepayment rider and PPP not allowed for XXXX State - Due Diligence Vendor-03/31/2025

Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of the DOT removing box for Prepay Rider - Seller-04/01/2025

Resolved-Received updated page 2 of DOT that is being sent for recording removing the XXXXrider - Due Diligence Vendor-04/02/2025

XXXX

Investment

Purchase

3727692

N/A

XXXX

xxxxxx8316

Closed

2025-04-03 07:57

2025-04-15 12:17

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Received exception for LTV. - Due Diligence Vendor-04/15/2025
Ready for Review-Document Uploaded. Exception Approval - Seller-04/11/2025
Open-Audited LTV Exceeds Guideline LTV Borrower qualifying FICO is 678 and transaction is refi- cash out. Hence, per XXXX GL matrix, max LTV is 75% only. However property LTV is 80%. - Due Diligence Vendor-04/03/2025

Ready for Review-Document Uploaded. Exception Approval - Seller-04/11/2025

Waived-Received exception for LTV. - Due Diligence Vendor-04/15/2025

XXXX

1. Borrower has residual income of XXXX
2. Borrower has been in the same line of work and business for 25 plus years.
3. 0x30x12 month pay history on primary 12 months is all that is required and has lived there for 20 years.

Primary Residence

Refinance

Cash Out - Other

3760173

Originator Pre-Close

Yes

XXXX

xxxxxx8316

Closed

2025-04-03 08:28

2025-04-03 08:36

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (9.619%) APR equals or exceeds the XXXX threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).XXXX This loan failed the higher-priced mortgage loan test.XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 324 and the Final Closing disclosure on page # 144-148 reflects escrows. Rate lock date was entered correctly – see page # 343An interior and exterior appraisal was completed for this property – see page # 30-61 and the appraisal disclosure was provided to the borrower(s)- see page # 28,29 and confirmation the appraisal was delivered to the borrower – see page # 28,29. The loan meets XXXXguidelines, resolved.
- Due Diligence Vendor-04/03/2025

Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 324 and the Final Closing disclosure on page # 144-148 reflects escrows. Rate lock date was entered correctly – see page # 343An interior and exterior appraisal was completed for this property – see page # 30-61 and the appraisal disclosure was provided to the borrower(s)- see page # 28,29 and confirmation the appraisal was delivered to the borrower – see page # 28,29. The loan meets HPML guidelines, resolved.
- Due Diligence Vendor-04/03/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3760248

N/A

XXXX

xxxxxx1005

Closed

2025-04-08 10:54

2025-04-10 11:01

Resolved

1 - Information

Credit

Missing Doc

Missing Letter of Explanation (Assets)

Resolved-Borrower not using the Funds from #XXXX & #XXXX, updated Final 1003 uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/10/2025
Ready for Review-Document Uploaded. Updated 1003 reflecting accounts XXXX & XXXX removed. LOE attached. - Seller-04/09/2025
Open-Provide the letter of explanation for borrower using asset accounts of ending XXXX &XXXX. - Due Diligence Vendor-04/08/2025

Ready for Review-Document Uploaded. Updated 1003 reflecting accounts XXXX& XXXX removed. LOE attached. - Seller-04/09/2025

Resolved-Borrower not using the Funds from #XXXX & #XXXX, updated Final 103 uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/10/2025

XXXX

Primary Residence

Purchase

3803514

N/A

XXXX

xxxxxx0995

Closed

2025-04-04 07:56

2025-04-28 14:32

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-04/11/2025
Resolved-Executed Settlement StatementXXXX Sale XXXX Net Proceeds to Borrower XXXX. - Due Diligence Vendor-04/11/2025
Ready for Review-Document Uploaded. The settlement statement is in the file and was cleared. - Seller-04/09/2025
Open-Asset Record 1 Does Not Meet G/L Requirements Pending Net Sale Proceeds From Real Estate Assets in final 1003 of amount XXXX but we dont have the proof of document. Provide the proof of $XXXXfunds deposited to Subject Transaction Escrow. - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. The settlement statement is in the file and was cleared. - Seller-04/09/2025

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-04/11/2025
Resolved-Executed Settlement Statement XXXX Sale 4 Indigo Run Drive Net Proceeds to Borrower XXXX. - Due Diligence Vendor-04/11/2025

XXXX

Primary Residence

Purchase

3781201

N/A

XXXX

xxxxxx0995

Closed

2025-04-04 09:33

2025-04-28 14:32

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/11/2025
Ready for Review-Document Uploaded. UW response - The settlement statement is in the file and was cleared. I didn’t require the EMD verification because they removed it from the 1003 and the borrower had more than sufficient assets to cover the EMD without verifying clearance. - Seller-04/09/2025
Open-Asset Record 2 Does Not Meet G/L Requirements We have the Earnest Money deposit amount of XXXX but proof of document and source of funds is missing. - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. UW response - The settlement statement is in the file and was cleared. I didn’t require the EMD verification because they removed it from the 1003 and the borrower had more than sufficient assets to cover the EMD without verifying clearance. - Seller-04/09/2025

Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/11/2025

XXXX

Primary Residence

Purchase

3781441

N/A

XXXX

xxxxxx0995

Closed

2025-04-04 08:29

2025-04-25 16:27

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (8.993%) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).XXXX Notice of right to receive copy document is missing(Missing Right to Receive Appraisal). "This loan failed the higher-priced mortgage loan test.XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 255 and the Final Closing disclosure on Pg#’s 109 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 102,274. An interior and exterior appraisal was completed for this property – see pg 53 and confirmation the appraisal was delivered to the borrower – see Pg#’s 85. Per Legal, LE delivered/signed same date as Application XXXX to satisfy XXXXappraisal disclosure requirement. Resolved.  - Due Diligence Vendor-04/25/2025
Ready for Review-Document Uploaded. This feedback was received from our Legal partners and it’s been recommended that they escalate to their Compliance/Legal team. If a call is needed to talk through this, we can facilitate.

Essentially, what is being stated is that the LE does effectively cover the Lender based on the language of the LE, which is highlighted in the disclosure and in the regulation.
XXXX- “We may order an appraisal to determine the property's value and charge you for this appraisal. We will give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.”

The lender needs to comply with one or other and the LE does so.

After further discussion with Molly based on Legal's feedback, we agree that if the Lender demonstrates the appraisal has been sent to the borrower and can confirm this in writing (appraisal delivery receipt), then sending the disclosure giving the borrower the option to waive would be confusing.
- Seller-04/23/2025
Counter-Missing Notice of Right to receive copy of Appraisal Disclosure.

The loan's (8.993%) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is XXXX Notice of right to receive copy document is missing(Missing Right to Receive Appraisal). "This loan failed the higher-priced mortgage loan test. ( XXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 255 and the Final Closing disclosure on Pg#’s 109 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 102,274. An interior and exterior appraisal was completed for this property – see pg 53 and confirmation the appraisal was delivered to the borrower – see Pg#’s 85, MISSING Notice of Right to receive copy of Appraisal  TBD .  - Due Diligence Vendor-04/11/2025
Ready for Review-Can you please clarify what is required to satisfy the condition. - Seller-04/09/2025
Open-The loan's (XXXX) APR equals or exceeds the XXXXhreshold of (XXXX. The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan isXXXX Notice of right to receive copy document is missing(Missing Right to Receive Appraisal).

"This loan failed the higher-priced mortgage loan test. XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inXXXX some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 255 and the Final Closing disclosure on Pg#’s 109 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 102,274. An interior and exterior appraisal was completed for this property – see pg 53 and confirmation the appraisal was delivered to the borrower – see Pg#’s 85. - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. This feedback was received from our Legal partners and it’s been recommended that they escalate to their Compliance/Legal team. If a call is needed to talk through this, we can facilitate.

Essentially, what is being stated is that the LE does effectively cover the Lender based on the language of the LE, which is highlighted in the disclosure and in the regulation.
XXXX - “We may order an appraisal to determine the property's value and charge you for this appraisal. We will give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.”

The lender needs to comply with one or other and the LE does so.

After further discussion with Molly based on Legal's feedback, we agree that if the Lender demonstrates the appraisal has been sent to the borrower and can confirm this in writing (appraisal delivery receipt), then sending the disclosure giving the borrower the option to waive would be confusing.
- Seller-04/23/2025
Ready for Review-Can you please clarify what is required to satisfy the condition. - Seller-04/09/2025

Resolved-The loan's (XXXX APR equals or exceeds the Federal HPML threshold of XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) Notice of right to receive copy document is missing(Missing Right to Receive Appraisal). "This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 255 and the Final Closing disclosure on Pg#’s 109 , Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 102,274. An interior and exterior appraisal was completed for this property – see pg 53 and confirmation the appraisal was delivered to the borrower – see Pg#’s 85. Per Legal, LE delivered/signed same date as Application XXXXto satisfy HPML appraisal disclosure requirement. Resolved. - Due Diligence Vendor-04/25/2025

XXXX

Primary Residence

Purchase

3781280

N/A

XXXX

xxxxxx0995

Closed

2025-04-04 09:29

2025-04-25 16:25

Resolved

1 - Information

Compliance

Missing Doc

Missing Right to Receive Appraisal

Resolved-Per Legal, LE delivered/signed same date as Application 3/12/2025 to satisfy HPML appraisal disclosure requirement. Resolved.  - Due Diligence Vendor-04/25/2025
Ready for Review-Document Uploaded. This feedback was received from our Legal partners and it’s been recommended that they escalate to their Compliance/Legal team. If a call is needed to talk through this, we can facilitate.

Essentially, what is being stated is that the LE does effectively cover the Lender based on the language of the LE, which is highlighted in the disclosure and in the regulation.
XXXX- “We may order an appraisal to determine the property's value and charge you for this appraisal. We will give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.”

The lender needs to comply with one or other and the LE does so.

After further discussion withXXXX based on Legal's feedback, we agree that if the Lender demonstrates the appraisal has been sent to the borrower and can confirm this in writing (appraisal delivery receipt), then sending the disclosure giving the borrower the option to waive would be confusing. - Seller-04/23/2025
Counter-Still missing Right to Receive appraisal Disclosure that is given to borrower at initial loan application -- what was submitted was appraisal acknowledgment of borrower receipt  - Due Diligence Vendor-04/15/2025
Ready for Review-Document Uploaded. This disclosure tells the borrower they have the right to waive the 3-day waiting period and that they are required to receive a copy of the appraisal 3 business days prior to closing. - Seller-04/11/2025
Counter-Uploaded is documentation Borrower received copy of Appraisal. Missing Notice of Right to receive copy of Appraisal Disclosure.  - Due Diligence Vendor-04/11/2025
Ready for Review-Document Uploaded.  - Seller-04/09/2025
Open-Missing Right to Receive Appraisal. - Due Diligence Vendor-04/04/2025

Ready for Review-Document Uploaded. This feedback was received from our Legal partners and it’s been recommended that they escalate to their Compliance/Legal team. If a call is needed to talk through this, we can facilitate.

Essentially, what is being stated is that the LE does effectively cover the Lender based on the language of the LE, which is highlighted in the disclosure and in the regulation.
XXXX- “We may order an appraisal to determine the property's value and charge you for this appraisal. We will give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.”

The lender needs to comply with one or other and the LE does so.

After further discussion with Molly based on Legal's feedback, we agree that if the Lender demonstrates the appraisal has been sent to the borrower and can confirm this in writing (appraisal delivery receipt), then sending the disclosure giving the borrower the option to waive would be confusing. - Seller-04/23/2025
Ready for Review-Document Uploaded. This disclosure tells the borrower they have the right to waive the 3-day waiting period and that they are required to receive a copy of the appraisal 3 business days prior to closing. - Seller-04/11/2025
Ready for Review-Document Uploaded. - Seller-04/09/2025

Resolved-Per Legal, LE delivered/signed same date as Application XXXX to satisfy HPML appraisal disclosure requirement. Resolved. - Due Diligence Vendor-04/25/2025

XXXX

Primary Residence

Purchase

3781426

N/A

XXXX

xxxxxx0401

Closed

2025-04-09 07:50

2025-04-24 21:13

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated 1008 provided with credit score for Primary Wage Earner.  - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded.  - Seller-04/22/2025
Counter-As per guidelines XXXX, PDF page 49/109, doc page 43/103, Section 5.1, for multiple borrowers Full Doc and Alt Doc Documentation: Use the Decision Score for the primary wage earner. As per the Guidelines considered primary wage earner mid score, but 1008 showing lowest mid score, hence there is difference in FICO, 1008 showing 702 FICO score, whereas primary wage earner mid score showing 706 FICO score. - Due Diligence Vendor-04/18/2025
Ready for Review-Should be the lowest of the two mids - Seller-04/16/2025
Open-Qualifying FICO on the 1008 Page is '702' or blank, but the Qualifying FICO from the Credit Liabilities Page is '706' or blank. Qualifying FICO entries do not match.  Please confirm the correct Qualifying FICO value. As per the Guidelines considered primary wage earner mid score, but 1008 showing lowest mid score, hence there is difference in FICO, 1008 showing 702 FICO score, whereas primary wage earner mid score showing 706 FICO score. - Due Diligence Vendor-04/09/2025

Ready for Review-Document Uploaded. - Seller-04/22/2025

Ready for Review-Should be the lowest of the two mids - Seller-04/16/2025

Resolved-Updated 1008 provided with credit score for Primary Wage Earner. - Due Diligence Vendor-04/24/2025

XXXX

Primary Residence

Purchase

3814201

N/A

XXXX

xxxxxx0401

Closed

2025-04-09 05:49

2025-04-17 12:52

Resolved

1 - Information

Credit

Doc Issue

Bankruptcy Statement is Missing

Resolved-LOX for Bankruptcy uploaded, Verified - Resolved  - Due Diligence Vendor-04/17/2025
Ready for Review-Document Uploaded.  - Seller-04/16/2025
Open-There is bankruptcy documentation in file. As per guidelines, dated XXXXpage 52 / 109, Bankruptcies resolved in the last 24 months require a letter of explanation from the borrower. The situation causing the bankruptcy must be adequately documented as resolved. Provide Discharge / Dismissal letter for Bankruptcy and letter of explanation, as it is missing in file.  - Due Diligence Vendor-04/09/2025

Ready for Review-Document Uploaded. - Seller-04/16/2025

Resolved-LOX for Bankruptcy uploaded, Verified - Resolved - Due Diligence Vendor-04/17/2025

XXXX

Primary Residence

Purchase

3813891

N/A

XXXX

xxxxxx0909

Closed

2025-04-08 11:04

2025-04-16 09:36

Resolved

1 - Information

Credit

Borrower

Borrower 1 Ethnicity Selection is Not Provided

Resolved-Updated Final 1003 with Ethnicity Selection uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/16/2025

Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-04/16/2025

Ready for Review-Document Uploaded. - Seller-04/15/2025

Open-Borrower 1 Ethnicity Selection is Not Provided - Due Diligence Vendor-04/08/2025

Ready for Review-Document Uploaded. - Seller-04/15/2025

XXXX

Primary Residence

Purchase

3803552

N/A

XXXX

xxxxxx0909

Closed

2025-04-08 08:26

2025-04-09 16:34

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).XXXX This loan failed the higher-priced mortgage loan test. XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#312 and the Final Closing disclosure on Pg#177, Finding reflects escrows. Rate lock date was entered correctly – see Pg#157 . An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#371, and confirmation the appraisal was delivered to the borrower – see Pg#155-156. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-04/08/2025

Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX) This loan failed the higher-priced mortgage loan test. ( XXXX )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#312 and the Final Closing disclosure on Pg#177, Finding reflects escrows. Rate lock date was entered correctly – see Pg#157 . An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#371, and confirmation the appraisal was delivered to the borrower – see Pg#155-156. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/08/2025

XXXX

Primary Residence

Purchase

3803088

N/A

XXXX

xxxxxx9505

Closed

2025-04-08 10:22

2025-05-06 13:08

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Audited Reserves of 1.75 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-05/06/2025
Resolved-Audited Reserves of 1.75 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s). Loan has been downgraded to A+ credit grade. Updated approval uploaded. - Due Diligence Vendor-05/06/2025
Ready for Review-Document Uploaded. Client was unable to meet the reserve requirement for Select Grade and has requested to switch to A+ grade. Can you please review as A+ credit grade with the updated loan approval? - Seller-05/05/2025
Counter-Onpoint bank statements were added. Still only 2 months of reserves. Approval on pg 475 shows the same when 8 is the requirement. Is there a PCCD? Final Cd shows borrower is bringing funds to closing. - Due Diligence Vendor-04/14/2025
Ready for Review-Document Uploaded. It doesn’t look like the XXXX were included in the assets. Can you clarify why they were not used? - Seller-04/11/2025
Open-Audited Reserves of 1.1 month(s) are less than Guideline Required Reserves of 8 month(s) Additional asset documentation required to meet Guideline Required Reserves of 8 months. - Due Diligence Vendor-04/08/2025

Ready for Review-Document Uploaded. Client was unable to meet the reserve requirement for Select Grade and has requested to switch to A+ grade. Can you please review as A+ credit grade with the updated loan approval? - Seller-05/05/2025
Ready for Review-Document Uploaded. It doesn’t look like the OnPoint XXXXwere included in the assets. Can you clarify why they were not used? - Seller-04/11/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3803396

N/A

XXXX

xxxxxx9505

Closed

2025-04-08 11:23

2025-04-21 14:00

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-Proof of delivery uploaded. - Due Diligence Vendor-04/21/2025
Ready for Review-Document Uploaded. - Seller-04/18/2025
Open-The loan's XXXX) APR equals or exceeds the XXXXHPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is( XXXX).XXXXProvide Borrower Certification of Appraisal Delivery missing from loan file which is required to meet XXXX guidelines.
This loan failed the higher-priced mortgage loan test. XXXX Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s417 and the Final Closing disclosure on Pg#’s276, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s274, 429. An interior and exterior appraisal was completed for this property – see pg#26, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 265, and confirmation the appraisal was delivered to the borrower missing.
- Due Diligence Vendor-04/08/2025

Ready for Review-Document Uploaded. - Seller-04/18/2025

Resolved-Proof of delivery uploaded. - Due Diligence Vendor-04/21/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3803653

N/A

XXXX

xxxxxx9839

Closed

2025-04-10 17:10

2025-04-16 16:43

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-PCCD XXXX shows XXXX Collection XXXXnot to be paid, CA Statute of Limitations Expires after 4 years. 1008 UW included monthly payment XXXXin DTI XXXX. - Due Diligence Vendor-04/16/2025
Ready for Review-Document Uploaded. - Seller-04/14/2025
Open-The 1008 document is missing from the loan file. Final CDXXXX includes Collections payoff XXXXhowever 5% of balance utilized as monthly payment. Requested 1008 DTI XXXX - Due Diligence Vendor-04/10/2025

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

Resolved-PCCDXXXX showsXXXXCollection XXXX not to be paid, CA Statute of Limitations Expires after 4 years. 1008 UW included monthly payment XXXX in DTI XXXX%. - Due Diligence Vendor-04/16/2025

XXXX

Primary Residence

Purchase

3829984

N/A

XXXX

xxxxxx9839

Closed

2025-04-10 16:11

2025-04-16 15:56

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Title Document is fully Present - Due Diligence Vendor-04/16/2025

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

Open-Title Document is missing Missing Preliminary Title Report or Title Supplement Borrower and Sales Price. - Due Diligence Vendor-04/10/2025

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

Resolved-Title Document is fully Present - Due Diligence Vendor-04/16/2025

XXXX

Primary Residence

Purchase

3829049

N/A

XXXX

xxxxxx8984

Closed

2025-04-11 14:29

2025-05-07 20:46

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Client provided attestation.  - Due Diligence Vendor-05/07/2025
Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-05/07/2025
Ready for Review-Document Uploaded. Please have this waived.  - Seller-05/05/2025
Counter-Escalated to Management OFAC Check Not Completed and/or Cleared. - Due Diligence Vendor-04/23/2025
Ready for Review-Please review the guidelines again specifically the section for "Eligible".   Ineligible would be considered foreign nationals not perm and non-perm resident aliens.
- Seller-04/21/2025
Counter-As per the guidelines XXXX, page 44 / 109, Borrowers from OFAC sanctioned countries are ineligible. - Due Diligence Vendor-04/21/2025
Ready for Review-borrower is a permanent resident, please advise. Thank you - Seller-04/17/2025
Ready for Review-Document Uploaded.  - Seller-04/17/2025
Open-OFAC Check Not Completed and/or Cleared The borrower is from an OFAC Sanctioned Country. As per the guidelines XXXX, page 44 / 109, Borrowers from OFAC sanctioned countries are ineligible.  - Due Diligence Vendor-04/11/2025

Ready for Review-Document Uploaded. Please have this waived.  - Seller-05/05/2025

Ready for Review-Please review the guidelines again specifically the section for "Eligible".   Ineligible would be considered foreign nationals not perm and non-perm resident aliens.
- Seller-04/21/2025

Ready for Review-borrower is a permanent resident, please advise. Thank you - Seller-04/17/2025

Ready for Review-Document Uploaded.  - Seller-04/17/2025

Resolved-Client provided attestation. - Due Diligence Vendor-05/07/2025

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-05/07/2025

XXXX

Primary Residence

Purchase

3839357

N/A

XXXX

xxxxxx1007

Closed

2025-04-22 13:32

2025-04-24 17:45

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-The Initial Loan estimate reflected the Doc Tax Stamps/Transfer Taxes – State as XXXXand rounds to the nearest dollar. The Initial Closing Disclosure and the Revised Closing Disclosure reflects the actual charge not rounded asXXXX Even though Charges cannot increase in Section A at all, the CFPB does allow this due to the Initial Loan estimate does not allow the Lender to reflect the true charge for the 48 cents. Therefore this issue is resolved and cleared. - Due Diligence Vendor-04/24/2025
Resolved-Variance is XXXX. Acceptable per CFPB - Due Diligence Vendor-04/22/2025
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. XXXX;XXXX XXXX - Due Diligence Vendor-04/22/2025

Resolved-The Initial Loan estimate reflected the Doc Tax Stamps/Transfer Taxes – State as $XXXXand rounds to the nearest dollar. The Initial Closing Disclosure and the Revised Closing Disclosure reflects the actual charge not rounded as XXXX. Even though Charges cannot increase in Section A at all, the CFPB does allow this due to the Initial Loan estimate does not allow the Lender to reflect the true charge for theXXXX cents. Therefore this issue is resolved and cleared. - Due Diligence Vendor-04/24/2025
Resolved-Variance isXXXX. Acceptable per CFPB - Due Diligence Vendor-04/22/2025

XXXX

Primary Residence

Purchase

3924365

N/A

XXXX

xxxxxx1007

Closed

2025-04-10 17:50

2025-04-22 13:34

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD received. Mavent has been run successfully - Due Diligence Vendor-04/22/2025

Ready for Review-Please review again, the CD is the initial CD. - Seller-04/18/2025

Counter-The Final CD was provided in file. Can you please provide the Initial CD - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/16/2025

Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure document - Due Diligence Vendor-04/10/2025

Ready for Review-Please review again, the CD is the initial CD. - Seller-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/16/2025

Resolved-Initial CD received. Mavent has been run successfully - Due Diligence Vendor-04/22/2025

XXXX

Primary Residence

Purchase

3830563

N/A

XXXX

xxxxxx1007

Closed

2025-04-10 16:56

2025-04-16 17:23

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Clarification received. Resolved - Due Diligence Vendor-04/16/2025

Ready for Review-This is an asset utilization loan, not an income-based loan, there is no primary wage earner. Therefore, Lender used the lowest mid fico of both borrowers which is 796. Thank you. - Seller-04/15/2025

Open-Qualifying FICO on the 1008 Page is '796' or blank, but the Qualifying FICO from the Credit Liabilities Page is '800' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per the Guidelines considered primary wage earner mid score, but 1008 showing lowest mid score, hence there is difference in FICO, 1008 showing 796 FICO score, whereas primary wage earner mid score showing 800 FICO score. - Due Diligence Vendor-04/11/2025

Ready for Review-This is an asset utilization loan, not an income-based loan, there is no primary wage earner. Therefore, Lender used the lowest mid fico of both borrowers which is 796. Thank you. - Seller-04/15/2025

Resolved-Clarification received. Resolved - Due Diligence Vendor-04/16/2025

Primary Residence

Purchase

3829801

N/A

XXXX

xxxxxx9140

Closed

2025-04-14 12:18

2025-04-16 12:53

Resolved

1 - Information

Compliance

TRID

Final CD: Total of Payments (TOP) discrepancy

Resolved-Resolved. Mavent is passing now. - Due Diligence Vendor-04/16/2025
Ready for Review-Document Uploaded. - Seller-04/14/2025
Open-The disclosed Total of Payments (XXXX) is understated by more than $100 when compared to the actual Total of Payments XXXX). The difference is (XXXX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than XXXX. (XXXX). Initial CD and Final CD have a -XXXX, causing the fail. - Due Diligence Vendor-04/14/2025

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

Resolved-Resolved. Mavent is passing now. - Due Diligence Vendor-04/16/2025

XXXX

Primary Residence

Purchase

3853267

N/A

XXXX

xxxxxx1683

Closed

2025-04-13 06:05

2025-04-22 23:50

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-As per email from client management, attestation provided this file does not require Tax Transcripts.  - Due Diligence Vendor-04/22/2025
Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-04/22/2025
Ready for Review-Document Uploaded. Section 8.4 outlines Documentation Options, while 8.5.3 drills down to specific guidance to follow for documentation:

This is not an investment property, and the borrower is a salaried wage earner – we follow the last bullet point.
- Seller-04/22/2025
Ready for Review-Per section 8.5.3, transcripts are required if tax returns are present.  Tax returns are not present and were not used to underwrite the file. - Seller-04/18/2025
Counter-As per guidelines dated XXXX PDF page 61 / 109 doc page 55 / 103, Section 8.4 if loan is Full Doc 12 or 24 months, transcripts are required.  - Due Diligence Vendor-04/17/2025
Ready for Review-Document Uploaded. File does not contain tax returns. W-2 only. Tax Transcripts are not required. - Seller-04/15/2025
Open-Borrower 1 IRS Transcripts Missing Provide Borrower 1 IRS Transcripts, Missing in File - Due Diligence Vendor-04/13/2025

Ready for Review-Document Uploaded. Section 8.4 outlines Documentation Options, while 8.5.3 drills down to specific guidance to follow for documentation:

This is not an investment property, and the borrower is a salaried wage earner – we follow the last bullet point.
- Seller-04/22/2025
Ready for Review-Per section 8.5.3, transcripts are required if tax returns are present. Tax returns are not present and were not used to underwrite the file. - Seller-04/18/2025
Ready for Review-Document Uploaded. File does not contain tax returns. W-2 only. Tax Transcripts are not required. - Seller-04/15/2025

XXXX

Primary Residence

Purchase

3849900

N/A

XXXX

xxxxxx9328

Closed

2025-04-14 10:44

2025-05-09 12:57

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI Requirements

Resolved-Audited DTI of 48.49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/21/2025
Ready for Review-The liabilities are correct there are 2 duplicate accounts in the system. That is why it is at 1148. - Seller-04/17/2025
Open-Audited DTI of 51.72% exceeds Guideline DTI of 50% Audited DTI of 51.72% exceeds Guideline DTI of 50% due to liabilities. U/W considered all other monthly payments as $1148, whereas per credit report pg-201 monthly payments of borrower is $XXXX, which resulted in difference of amount $XXXX. - Due Diligence Vendor-04/14/2025

Ready for Review-The liabilities are correct there are 2 duplicate accounts in the system. That is why it is at 1148. - Seller-04/17/2025

Resolved-Audited DTI of 48.49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/21/2025

Primary Residence

Refinance

Cash Out - Other

3852761

N/A

XXXX

xxxxxx9328

Closed

2025-04-14 10:53

2025-05-09 12:48

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Loan is being downgraded to A Grade. Passed GL now. - Due Diligence Vendor-05/09/2025
Ready for Review-Document Uploaded.  - Seller-05/09/2025
Counter-We can't have a 30 day late payment in the past 12 months per GL though. Per CR, Borrower had one in March of 2025. We would need an exception.  - Due Diligence Vendor-04/22/2025
Ready for Review-VOR says current - Seller-04/21/2025
Counter-We are not disputing the Housing history. There is a 30-day late payment in March, which goes against GL.  - Due Diligence Vendor-04/21/2025
Ready for Review-Document Uploaded. If you take a look at the credit report. It’s dated XXXX. The mortgage is reporting a march late payment.  - Seller-04/18/2025
Open-Housing History Does Not Meet Guideline Requirements As per Matrix Grade A+, housing history should be 0 x 30 x 12, whereas per credit report primary mortgage has one latest 30 day late payment on XXXX.
- Due Diligence Vendor-04/14/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025
Ready for Review-VOR says current - Seller-04/21/2025
Ready for Review-Document Uploaded. If you take a look at the credit report. It’s dated XXXX. The mortgage is reporting a march late payment. - Seller-04/18/2025

Resolved-Loan is being downgraded to A Grade. Passed GL now. - Due Diligence Vendor-05/09/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3852800

N/A

XXXX

xxxxxx9614

Closed

2025-04-16 14:19

2025-04-18 11:50

Resolved

1 - Information

Compliance

TXHE violation; title policy/binder does not contain a T-42 or T-42.1 endorsement.

Resolved-Final Title Policy received with the needed endorsements.  System updated & resolved. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded.  - Seller-04/17/2025

Open-• Loan is a TX50(a)(06) cash out.  Evidence of the T-42 and T-42.1 Endorsements on the Final Title Policy are required. - Due Diligence Vendor-04/16/2025

Ready for Review-Document Uploaded. - Seller-04/17/2025

Resolved-Final Title Policy received with the needed endorsements. System updated & resolved. - Due Diligence Vendor-04/18/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3877807

N/A

XXXX

xxxxxx9614

Closed

2025-04-14 14:42

2025-04-18 12:31

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-. - Due Diligence Vendor-04/18/2025
Resolved-The loan's (9.636%) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(XXXX)(1)(i)) •  This loan failed the higher-priced mortgage loan test. ( XXXX) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
TRID Header Disclosure Page was entered correctly.
All disclosures, COC's, Fees, and dates are entered correctly.
Rate lock date was entered correctly.
Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s305, 317.
Final Closing disclosure on Pg#144.
Rate lock doc on pg #141.
An interior and exterior appraisal was completed for this property on pg #29.
A copy of the appraisal was given to the borrower on pgs #347 and #26.
Confirmation the appraisal was delivered to the borrower – see Pg#26 Missing in file.
Loan meets HPML guidelines. - Due Diligence Vendor-04/14/2025

Resolved-. - Due Diligence Vendor-04/18/2025
Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(XXXX)(1)(i)) •  This loan failed the higher-priced mortgage loan test. ( XXXX)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXXX§1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
TRID Header Disclosure Page was entered correctly.
All disclosures, COC's, Fees, and dates are entered correctly.
Rate lock date was entered correctly.
Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s305, 317.
Final Closing disclosure on Pg#144.
Rate lock doc on pg #141.
An interior and exterior appraisal was completed for this property on pg #29.
A copy of the appraisal was given to the borrower on pgs #347 and #26.
Confirmation the appraisal was delivered to the borrower – see Pg#26 Missing in file.
Loan meets XXXX guidelines. - Due Diligence Vendor-04/14/2025

Primary Residence

Refinance

Cash Out - Other

3855091

N/A

XXXX

xxxxxx5644

Closed

2025-04-15 06:30

2025-04-23 12:45

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-04/23/2025
Ready for Review-Document Uploaded. COC attached, please review - Seller-04/21/2025
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX); (XXXX); (XXXX). Increase in broker fee from initial CD XXXX to XXXX in Final CD, without a valid change of circumstances. - Due Diligence Vendor-04/15/2025

Ready for Review-Document Uploaded. COC attached, please review - Seller-04/21/2025

Resolved-Resolved - Due Diligence Vendor-04/23/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3863600

N/A

XXXX

xxxxxx5644

Closed

2025-04-15 06:30

2025-04-23 12:45

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Resolved - Due Diligence Vendor-04/23/2025
Ready for Review-Document Uploaded. - Seller-04/21/2025
Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,562.50). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(3)(i) and comments 19(e)(3)(i)-5 and -6;( XXXX) (2)(v); (XXXX)(6); (XXXX). Lender credits on Final CD has been decreased to XXXX from XXXX initial CD. - Due Diligence Vendor-04/15/2025

Ready for Review-Document Uploaded. - Seller-04/21/2025

Resolved-Resolved - Due Diligence Vendor-04/23/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3863602

N/A

XXXX

xxxxxx5644

Closed

2025-04-15 06:30

2025-04-23 12:45

Resolved

1 - Information

Compliance

Rescission:Disbursement

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

Resolved-Resolved - Due Diligence Vendor-04/23/2025
Ready for Review-Document Uploaded. Loan disbursed XXXX, see pccd. - Seller-04/21/2025
Open-The loan disbursement date XXXX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) The right to cancel date XXXX is same day as loan disbursement date XXXX. - Due Diligence Vendor-04/15/2025

Ready for Review-Document Uploaded. Loan disbursed XXXX, see pccd. - Seller-04/21/2025

Resolved-Resolved - Due Diligence Vendor-04/23/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3863603

N/A

XXXX

xxxxxx8452

Closed

2025-04-18 13:49

2025-04-21 18:30

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 was corrected to show XXXX per person income. - Due Diligence Vendor-04/21/2025
Ready for Review-Document Uploaded. - Seller-04/21/2025
Open-The Final 1003 is Incomplete • Per the 1008, income isXXXX (B1) +XXXX (B2) =XXXX = 49.7505% DTI. The Loan Approval also confirms the same DTI of 49.7505%, and the income calculator worksheet confirms the same XXXX per person income. However, the Final 1003 discloses XXXX per person income. The 1003 appears to have disclosed the wrong qualifying income. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/21/2025

Resolved-The Final 1003 was corrected to show XXXX per person income. - Due Diligence Vendor-04/21/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3900155

N/A

XXXX

xxxxxx1261

Closed

2025-04-16 06:35

2025-04-24 20:59

Resolved

1 - Information

Credit

Missing Doc

The letter of explanation for the borrower's assets/reserves is missing

Resolved-Validation Resolved' - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded. - Seller-04/24/2025
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. • Provide an access letter or LOX from "XXXX" to access the funds from XXXX XXXX and XXXX. Per guidelines (7.5.1) “If account has other names in addition to the borrower(s), a 100% access letter and an LOE is required (this pertains to personal and business accounts).” - Due Diligence Vendor-04/16/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Resolved-Validation Resolved' - Due Diligence Vendor-04/24/2025

XXXX

Primary Residence

Purchase

3875184

N/A

XXXX

xxxxxx1261

Closed

2025-04-15 07:40

2025-04-24 20:12

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-PCCD received to put the Disbursement Date at 4/09/2025. Funds back to the borrower due to the change in disbursement date. Issue resolved. - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded. - Seller-04/24/2025
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX • Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX and the Disbursement date of XXXX. - Due Diligence Vendor-04/15/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Resolved-PCCD received to put the Disbursement Date at XXXX. Funds back to the borrower due to the change in disbursement date. Issue resolved. - Due Diligence Vendor-04/24/2025

XXXX

Primary Residence

Purchase

3863896

N/A

XXXX

xxxxxx9931

Closed

2025-04-21 11:51

2025-05-12 17:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-05/12/2025
Resolved-Client clarification of original review and program have been received. Loan will be reviewed to accommodate change. Resolved per directive - Due Diligence Vendor-05/09/2025
Ready for Review-Document Uploaded. - Seller-05/09/2025
Ready for Review-Document Uploaded. There was an internal error during the upload process labeling the loan as a Full Doc in error when it was intended to be an Alt Doc. The lack of tax returns, paystubs, and only bank statements provided supports the intended submission of an Alt Doc. - Seller-05/07/2025
Counter-Email sent to XXXX - Please upload proof that Loan was reviewed originally under this program as well as attest in comment on condition that loan was always reviewed under an ALT doc 12 month bank statement program with an explanation as to the error - Due Diligence Vendor-05/06/2025
Ready for Review-Document Uploaded. Doc Type is ALT-Doc 12 months. - Seller-05/02/2025
Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-04/21/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025
Ready for Review-Document Uploaded. There was an internal error during the upload process labeling the loan as a Full Doc in error when it was intended to be an Alt Doc. The lack of tax returns, paystubs, and only bank statements provided supports the intended submission of an Alt Doc. - Seller-05/07/2025
Ready for Review-Document Uploaded. Doc Type is ALT-Doc 12 months. - Seller-05/02/2025

XXXX

Primary Residence

Purchase

3912288

N/A

XXXX

xxxxxx9931

Closed

2025-04-16 08:18

2025-04-23 13:41

Resolved

1 - Information

Credit

Income/Employment

Income/Employment General

Resolved-Updated document received and LM has been updated. Finding resolved - Due Diligence Vendor-04/23/2025
Ready for Review-Document Uploaded. Updated 1003 showing ownership %. - Seller-04/21/2025
Open-Borrower's monthly income derived with 20% expense factor (Total Net Deposits of XXXX x 100% business ownership x 20% expense ratio =XXXX/12 months = XXXX), whereas per provided worksheet pg-261 and lender approval sheet XXXX reflecting expense factor as 80%. - Due Diligence Vendor-04/16/2025

Ready for Review-Document Uploaded. Updated 1003 showing ownership %. - Seller-04/21/2025

Resolved-Updated document received and LM has been updated. Finding resolved - Due Diligence Vendor-04/23/2025

XXXX

Primary Residence

Purchase

3875501

N/A

XXXX

xxxxxx9931

Closed

2025-04-16 09:00

2025-04-23 13:34

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded. - Seller-04/21/2025

Open-The Final 1003 is Incomplete Final 1003 is missing with selection of ownership % he owns in business. Borrower didn't check mark whether he owns more than 25% ownership in business.
- Due Diligence Vendor-04/16/2025

Ready for Review-Document Uploaded. - Seller-04/21/2025

Resolved-The Final 1003 is Present - Due Diligence Vendor-04/23/2025

XXXX

Primary Residence

Purchase

3875616

N/A

XXXX

xxxxxx0038

Closed

2025-04-16 04:44

2025-04-28 12:32

Resolved

1 - Information

Credit

Doc Issue

Prepayment Notice is Missing

Resolved-PCCD uploaded, Prepayment Penalty matches with the prepayment amount on Note, Verified - Resolved - Due Diligence Vendor-04/28/2025
Ready for Review-Document Uploaded. - Seller-04/25/2025
Open-Prepayment rider is on page 496 reflect prepayment penalty 36-month period on the amount prepaid that exceeds 20% and prepayment amount isXXXX per note screen which is different from prepayment penalty as per final cd page 203 as high as XXXX, Provide corrected final CD with correct prepayment penalty amount. - Due Diligence Vendor-04/16/2025

Ready for Review-Document Uploaded. - Seller-04/25/2025

Resolved-PCCD uploaded, Prepayment Penalty matches with the prepayment amount on Note, Verified - Resolved - Due Diligence Vendor-04/28/2025

XXXX

Investment

Purchase

3874928

N/A

XXXX

xxxxxx0304

Closed

2025-04-22 18:12

2025-04-23 18:54

Resolved

1 - Information

Compliance

TRID LE date violation; revised Loan Estimate provided outside of required timing window

Resolved-Clarification explanation received.  System properly updated. - Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded.  - Seller-04/23/2025

Open-• There is a revised LE that was electronically signed on 3/17/2025.  However, at the top of Page 1 of the LE document, it states that the Date Issued was 3/17/2024.  This is a date error in the printed document. - Due Diligence Vendor-04/22/2025

Ready for Review-Document Uploaded. - Seller-04/23/2025

Resolved-Clarification explanation received. System properly updated. - Due Diligence Vendor-04/23/2025

XXXX

Primary Residence

Purchase

3928942

N/A

XXXX

xxxxxx0304

Closed

2025-04-22 08:18

2025-04-23 18:53

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Correct COC form received. - Due Diligence Vendor-04/23/2025
Ready for Review-Document Uploaded. - Seller-04/23/2025
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(3); (XXXX)(4); XXXX (f)(2)(v)). Loan Discount Point fee increased from Revised LE (XXXX) amt of $XXXX to Initial CD (XXXX) amt of $XXXX. A COC was provided, but it was dated XXXX. This is outside of the allowable window for a LE/CD redisclosure after a change of circumstance. - Due Diligence Vendor-04/22/2025

Ready for Review-Document Uploaded. - Seller-04/23/2025

Resolved-Correct COC form received. - Due Diligence Vendor-04/23/2025

XXXXX

Primary Residence

Purchase

3922559

N/A

XXXX

xxxxxx7276

Closed

2025-04-21 17:52

2025-04-24 14:31

Resolved

1 - Information

Credit

Lender Approval Form is Missing

Resolved-Documents have been received and reviewed. LM has been updated to reflect. Resolved - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded.  - Seller-04/22/2025
Ready for Review-Document Uploaded.  - Seller-04/22/2025
Ready for Review-Document Uploaded.  - Seller-04/21/2025
Open-Approval has incorrect P&I of XXXX whereas per note and closing docs P&I isXXXX. Provide Approval document with correct P&I - Due Diligence Vendor-04/21/2025

Ready for Review-Document Uploaded.  - Seller-04/22/2025

Ready for Review-Document Uploaded.  - Seller-04/22/2025

Ready for Review-Document Uploaded.  - Seller-04/21/2025

Resolved-Documents have been received and reviewed. LM has been updated to reflect. Resolved - Due Diligence Vendor-04/24/2025

XXXX

Primary Residence

Purchase

3917290

N/A

XXXX

xxxxxx7276

Closed

2025-04-16 10:18

2025-04-23 09:28

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/23/2025
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/23/2025
Ready for Review-attached - Seller-04/22/2025
Open-The 1008 document is missing from the loan file. 1008 has incorrect P&I ofXXXX whereas per note and closing docs P&I is XXXX. Provide updated 1008 and Approval document with correct P&I - Due Diligence Vendor-04/16/2025

Ready for Review-attached - Seller-04/22/2025

XXXX

Primary Residence

Purchase

3875783

N/A

XXXX

xxxxxx7986

Closed

2025-04-17 10:31

2025-04-24 09:24

Resolved

1 - Information

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Updated uploaded Appraisal shows Suburban, Audited LTV of XXXX is less than Guideline LTV of XXXX, Verified - Resolved - Due Diligence Vendor-04/24/2025
Resolved-Audited LTV of XXXX is less than or equal to Guideline LTV of XXXX - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded. Updated Appraisal shows Suburban. - Seller-04/23/2025
Open-Audited LTV Exceeds Guideline LTV Audited LTV is XXXX but Subject property is in Rural. Per G/L Matrix Max LTV is XXXX. - Due Diligence Vendor-04/17/2025

Ready for Review-Document Uploaded. Updated Appraisal shows Suburban. - Seller-04/23/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3887351

N/A

XXXX

xxxxxx7986

Closed

2025-04-17 09:20

2025-04-24 09:23

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/24/2025

Resolved-Validation Resolved' - Due Diligence Vendor-04/24/2025

Ready for Review-Document Uploaded. - Seller-04/23/2025

Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Calculated Income Worksheet which is missing from loan file. - Due Diligence Vendor-04/17/2025

Ready for Review-Document Uploaded. - Seller-04/23/2025

Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/24/2025

Resolved-Validation Resolved' - Due Diligence Vendor-04/24/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3887077

N/A

XXXX

xxxxxx0941

Closed

2025-04-17 14:09

2025-04-24 14:48

Resolved

1 - Information

Compliance

Missing Doc

Texas F2 Notice for Home Equity Disclosure is Missing

Resolved-XXXX F2 Notice for Home Equity Disclosure is Present or Not Applicable - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded. - Seller-04/22/2025
Open-XXXX F2 Notice for Home Equity Disclosure is Missing Provide XXXX F2 Notice for Home Equity Disclosure. - Due Diligence Vendor-04/17/2025

Ready for Review-Document Uploaded. - Seller-04/22/2025

Resolved-Texas F2 Notice for Home Equity Disclosure is Present or Not Applicable - Due Diligence Vendor-04/24/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3889371

N/A

XXXX

xxxxxx0941

Closed

2025-04-17 12:13

2025-04-23 09:37

Resolved

1 - Information

Credit

Borrower

Borrower 1 Race Selection is Not Provided

Resolved-Updated Final 1003 uploaded, Borrower 1 Race Selection is Provided, Verified - Resolved - Due Diligence Vendor-04/23/2025

Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded. - Seller-04/22/2025

Open-Borrower 1 Race Selection is Not Provided Provide Final 1003 with Borrower 1 Race Selection. - Due Diligence Vendor-04/17/2025

Ready for Review-Document Uploaded. - Seller-04/22/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3888213

N/A

XXXX

xxxxxx0881

Closed

2025-04-17 09:47

2025-04-24 13:37

Resolved

1 - Information

Compliance

TRID

Final CD: Loan Disclosures Assumption incomplete or inaccurate

Resolved-PCCD with updated Assumption uploaded. Resolved. - Due Diligence Vendor-04/24/2025

Ready for Review-Document Uploaded. PCCD correcting assumption - Seller-04/23/2025

Open-As per Guidelines Fixed-Rate Notes are not assumable. Provide the updated Final closing Disclosure. - Due Diligence Vendor-04/17/2025

Ready for Review-Document Uploaded. PCCD correcting assumption - Seller-04/23/2025

Resolved-PCCD with updated Assumption uploaded. Resolved. - Due Diligence Vendor-04/24/2025

XXXX

Primary Residence

Purchase

3887146

N/A

XXXX

xxxxxx9621

Closed

2025-04-17 14:02

2025-04-24 13:54

Resolved

1 - Information

Compliance

Rescission:Disbursement

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

Resolved-Resolved - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded. - Seller-04/23/2025
Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) Right to cancel date is after the Disbursement date, Need Post closing document. - Due Diligence Vendor-04/17/2025

Ready for Review-Document Uploaded. - Seller-04/23/2025

Resolved-Resolved - Due Diligence Vendor-04/24/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3889299

N/A

XXXX

xxxxxx0985

Closed

2025-04-18 05:53

2025-05-12 16:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Business Tax Returns Missing

Resolved-Borrower 1 Business Tax Returns Provided - Due Diligence Vendor-05/12/2025
Resolved-Client clarification of original review and program have been received. Loan will be reviewed to accommodate change. Resolved per directive - Due Diligence Vendor-05/09/2025
Ready for Review-Document Uploaded. There was an internal error when onboarding the closed package, calling the loan a Full Doc loan when it was always intended to be an Alt Doc loan. See upload docs for confirmation. - Seller-05/07/2025
Counter-Please provide a Signed off Attestation From XXXX lender that states that the Loan was Underwritten in process before the Note Date to a 12 months Alt Doc Bank statement program. We will then re-review to that program however please keep in mind that this is subject to new conditions being generated possibly as a result of the re-review. - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded. - Seller-04/30/2025
Counter-The previously provided document is corrupt. Please reupload - Due Diligence Vendor-04/30/2025
Ready for Review-Document Uploaded. - Seller-04/28/2025
Open-Borrower 1 Business Tax Returns Missing Need business tax returns, as borrower is self-employed. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. There was an internal error when onboarding the closed package, calling the loan a Full Doc loan when it was always intended to be an Alt Doc loan. See upload docs for confirmation. - Seller-05/07/2025
Ready for Review-Document Uploaded. - Seller-04/30/2025
Ready for Review-Document Uploaded. - Seller-04/28/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3897326

N/A

XXXX

xxxxxx0985

Closed

2025-04-18 05:53

2025-05-12 16:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-05/12/2025
Resolved-Client clarification of original review and program have been received. Loan will be reviewed to accommodate change. Resolved per directive - Due Diligence Vendor-05/09/2025
Ready for Review-Document Uploaded. There was an internal error when onboarding the closed package, calling the loan a Full Doc loan when it was always intended to be an Alt Doc loan. See upload docs for confirmation. - Seller-05/07/2025
Counter-Please provide a Signed off Attestation From XXXX lender that states that the Loan was Underwritten in process before the Note Date to a 12 months Alt Doc Bank statement program. We will then re-review to that program however please keep in mind that this is subject to new conditions being generated possibly as a result of the re-review.  - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded.  - Seller-04/30/2025
Counter-The previously provided document is corrupt. Please reupload - Due Diligence Vendor-04/30/2025
Ready for Review-Document Uploaded.  - Seller-04/28/2025
Open-Borrower 1 IRS Transcripts Missing Provide IRS Transcripts, as it is Missing in file, Full document required IRS Transcripts. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. There was an internal error when onboarding the closed package, calling the loan a Full Doc loan when it was always intended to be an Alt Doc loan. See upload docs for confirmation. - Seller-05/07/2025

Ready for Review-Document Uploaded. - Seller-04/30/2025

Ready for Review-Document Uploaded. - Seller-04/28/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3897327

N/A

XXXX

xxxxxx1339

Closed

2025-04-18 04:18

2025-04-25 15:06

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/25/2025

Ready for Review-Document Uploaded. Initial 1003 was signed by the LO. - Seller-04/23/2025

Open-The Initial 1003 is Missing Request to provide a copy of the 1003 including the LO signature - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. Initial 1003 was signed by the LO. - Seller-04/23/2025

Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/25/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3897113

N/A

XXXX

xxxxxx1339

Closed

2025-04-18 06:04

2025-04-24 09:53

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/24/2025
Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded. - Seller-04/23/2025
Open-The 1008 document is missing from the loan file. P&I on the note does not conform to the 1008 and Approval. Request to provide updated 1008 and Approval with correct P&I and PITIA.
Tax value on the 1008 does not conform to the title or tax information sheet causing a DTI discrepancy. 1008 indicatesXXXX/month while the title and provided docs listXXXX annually\y - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/23/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3897360

N/A

XXXX

xxxxxx0892

Closed

2025-05-09 15:34

2025-05-09 15:35

Resolved

1 - Information

Compliance

Mavent

Tolerance: Disclosure

Resolved-Resolved - Due Diligence Vendor-05/09/2025
Open-There are (XXXX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (XXXX)(2); (XXXX)(2)) - Due Diligence Vendor-05/09/2025

Resolved-Resolved - Due Diligence Vendor-05/09/2025

Primary Residence

Purchase

4095579

N/A

XXXX

xxxxxx0892

Closed

2025-05-05 17:57

2025-05-09 15:34

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-05/09/2025
Ready for Review-Can you clarify what is needed or why the COC is not acceptable? - Seller-05/09/2025
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(3); (XXXX)(4); (XXXX)(2)(v)). - Due Diligence Vendor-05/09/2025
Ready for Review-Document Uploaded. - Seller-05/07/2025
Counter-There is an increase in the Appraisal fee from the XXXX to the XXXX LE from $650 to $900. There is no accompanied CoC. There is also an increase in the Final Inspection iao XXXX on the XXXX LE - Due Diligence Vendor-05/07/2025
Ready for Review-Document Uploaded. CD issued XXXX was provided. - Seller-05/05/2025
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Appraisal Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(3); (XXXX)(4); (XXXX)(2)(v)). COC is pending from file - Due Diligence Vendor-05/05/2025

Ready for Review-Can you clarify what is needed or why the COC is not acceptable? - Seller-05/09/2025
Ready for Review-Document Uploaded. - Seller-05/07/2025
Ready for Review-Document Uploaded. CD issued XXXX was provided. - Seller-05/05/2025

Resolved- - Due Diligence Vendor-05/09/2025

XXXXX

Primary Residence

Purchase

4046213

N/A

XXXX

xxxxxx0892

Closed

2025-05-05 17:57

2025-05-07 14:59

Resolved

1 - Information

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

Resolved-Document received. XXXX has been updated - Due Diligence Vendor-05/07/2025
Ready for Review-Document Uploaded. CD issued XXXX was provided. - Seller-05/05/2025
Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XXXX)(1)(ii)(A)); 1026.19(f)(1)(iii)) Request to provide all Closing Disclosures. We have preliminary CDs in file dated XXXX. Please advise as the only CD in file not listed as Preliminary is dated XXXX - Due Diligence Vendor-05/05/2025

Ready for Review-Document Uploaded. CD issued XXXX was provided. - Seller-05/05/2025

Resolved-Document received. XXXX has been updated - Due Diligence Vendor-05/07/2025

XXXX

Primary Residence

Purchase

4046214

N/A

XXXX

xxxxxx0892

Closed

2025-04-18 06:13

2025-05-06 15:36

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Tax Returns Not Signed

Resolved-Upon review and per attestation from XXXX on W2 wage income not needing returns/transcripts we are able to clear as transcripts for the self employed borrower cover not requiring a signature - Due Diligence Vendor-05/06/2025
Counter-Per Guidelines 2.14.25 -- 8.4.1 TAX RETURNS
The following criteria applies when personal and/or business tax returns are used to verify income:
o Complete personal income and business tax returns with all schedules to be provided and signed and dated by each
borrower. If tax transcripts confirm the information on the tax returns, signature and dates are not required.
o The most recent year’s tax returns, if filed on extension after the federal tax deadline, should be filed at least 60 days
before the earlier of the application date or the credit report date
o Amended tax returns must be filed at least 60 days before the earlier of the application date or the credit report date
regardless of the current year federal tax deadline. When amended tax returns are provided, due diligence is to be
used to determine if the amended tax return is acceptable. The following is to be provided in addition to the amended
return:
o Original tax return (for consistency comparison with previous filings)
o Letter of explanation regarding the reasons for the amendment
o Evidence of filing
o Proof of payment, if applicable
o If amended for income-related items documentation to support the increase in income - Due Diligence Vendor-05/06/2025
Ready for Review-Per Seller's Guide 8.4.1, a signed tax return is not needed if transcripts are present that match the return.  Email to XXXX, follow up sent XXXX. - Seller-05/06/2025
Counter-Can you Upload the signature proof Page ?– this is what we have on file --- The Preparer and PIN  is not the signature - We need the Borrower signature on the documents Before the Note  - Due Diligence Vendor-04/29/2025
Ready for Review-IRS does not require an original signature, the pin represents the electronic signature.  Escalating to XXXX. - Seller-04/28/2025
Counter-The PIN is for security purposes and does not suffice as a replacement for the borrower's signature.  - Due Diligence Vendor-04/25/2025
Ready for Review-Document Uploaded. The Pin Number on the Signature section should be sufficient. - Seller-04/23/2025
Open-Borrower 1 Tax Returns Not Signed in provided XXXX .  - Due Diligence Vendor-04/18/2025

Ready for Review-Per Seller's Guide 8.4.1, a signed tax return is not needed if transcripts are present that match the return. Email to XXXX, follow up sent XXXX. - Seller-05/06/2025
Ready for Review-IRS does not require an original signature, the pin represents the electronic signature. Escalating to XXXX - Seller-04/28/2025
Ready for Review-Document Uploaded. The Pin Number on the Signature section should be sufficient. - Seller-04/23/2025

XXXX

Primary Residence

Purchase

3897387

N/A

XXXX

xxxxxx0892

Closed

2025-04-18 07:45

2025-05-05 17:58

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-LEs provided and entered into file. Additional Compliance conditions generated - Due Diligence Vendor-05/05/2025

Ready for Review-Document Uploaded.  - Seller-05/01/2025

Ready for Review-Document Uploaded.  - Seller-05/01/2025

Open-Missing Initial Loan Estimate in file.  - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-05/01/2025

Ready for Review-Document Uploaded. - Seller-05/01/2025

Resolved-LEs provided and entered into file. Additional Compliance conditions generated - Due Diligence Vendor-05/05/2025

XXXX
XXXX
XXXX
XXXX

Primary Residence

Purchase

3897942

N/A

XXXX

xxxxxx0892

Closed

2025-04-23 14:33

2025-05-05 16:57

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Resolved-Resolved per client attestation. Wage earners are not required to have transcripts if tax/income documentation provided - Due Diligence Vendor-05/05/2025

Ready for Review-Conventional loan and b2 is W2 earner. Please advise. - Seller-05/01/2025

Open-Borrower 2 IRS Transcripts Missing Pending transcripts for B2 - Due Diligence Vendor-04/23/2025

Ready for Review-Conventional loan and b2 is W2 earner. Please advise. - Seller-05/01/2025

Resolved-Resolved per client attestation. Wage earners are not required to have transcripts if tax/income documentation provided - Due Diligence Vendor-05/05/2025

Primary Residence

Purchase

3937406

N/A

XXXX

xxxxxx0892

Closed

2025-04-18 07:45

2025-04-29 15:30

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Document has been received. LM has been updated to reflect the provided - Due Diligence Vendor-04/29/2025

Ready for Review-Document Uploaded.  - Seller-04/25/2025

Counter-Thank you for the Initial CD. Can you provide a copy of the accompanied SSPL - Due Diligence Vendor-04/25/2025

Ready for Review-Document Uploaded.  - Seller-04/24/2025

Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure in file.  - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/25/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Resolved-Document has been received. LM has been updated to reflect the provided - Due Diligence Vendor-04/29/2025

XXXX
XXXX

Primary Residence

Purchase

3897940

N/A

XXXX

xxxxxx0892

Closed

2025-04-18 07:14

2025-04-28 11:28

Resolved

1 - Information

Credit

Assets

Asset 11 Does Not Meet Guideline Requirements

Resolved-Wire proof for Gift uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/28/2025
Resolved-Asset 11 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/28/2025
Ready for Review-Document Uploaded. - Seller-04/25/2025
Open-Asset 11 Does Not Meet Guideline Requirements Asset 11 is gift fund of amount $XXXX which is transferred to closing agent and reflecting in Final CD pg-XXXX. But in file wire proof is missing to verify. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/25/2025

XXXX

Primary Residence

Purchase

3897595

N/A

XXXX

xxxxxx0892

Closed

2025-04-18 08:17

2025-04-25 14:54

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-LM has been updated to reflect the provided docs. - Due Diligence Vendor-04/25/2025
Ready for Review-Document Uploaded. - Seller-04/24/2025
Open-Loan transaction is Purchase- Primary residence. Toolkit is missing in file. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Resolved-LM has been updated to reflect the provided docs. - Due Diligence Vendor-04/25/2025

XXXX

Primary Residence

Purchase

3898014

N/A

XXXX

xxxxxx0892

Closed

2025-04-18 06:13

2025-04-25 10:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/25/2025
Ready for Review-Document Uploaded. - Seller-04/24/2025
Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close is Missing. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Resolved-Borrower 2 3rd Party VOE Prior to Close uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/25/2025

XXXX

Primary Residence

Purchase

3897388

N/A

XXXX

xxxxxx0892

Closed

2025-04-18 06:13

2025-04-25 10:15

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/25/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close is Missing. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Resolved-Borrower 1 3rd Party VOE Prior to Close uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/25/2025

XXXX

Primary Residence

Purchase

3897386

N/A

XXXX

xxxxxx0245

Closed

2025-04-17 15:54

2025-04-25 17:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/25/2025
Ready for Review-Document Uploaded. - Seller-04/24/2025
Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE within 10 days from Note date - Due Diligence Vendor-04/17/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/25/2025

XXXX

Primary Residence

Purchase

3891140

N/A

XXXX

xxxxxx0245

Closed

2025-04-17 15:54

2025-04-25 17:42

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-04/25/2025
Resolved-Per Attestation, Transcripts not required as Tax Returns are not in file. Resolved. - Due Diligence Vendor-04/24/2025
Ready for Review-Document Uploaded. Email chain/attestation attached. XXXX of guidelines outlines Doc Options, while XXXX drills down to specific guidance to follow for documentation. Borrower is a wage earner, so tax returns are not present, and tax transcripts are not required. - Seller-04/23/2025
Open-Borrower 1 IRS Transcripts Missing Provide Borrower 1 IRS Transcripts, Missing in File - Due Diligence Vendor-04/17/2025

Ready for Review-Document Uploaded. Email chain/attestation attached. Section XXXX of guidelines outlines Doc Options, while XXXX drills down to specific guidance to follow for documentation. Borrower is a wage earner, so tax returns are not present, and tax transcripts are not required. - Seller-04/23/2025

XXXX

Primary Residence

Purchase

3891141

N/A

XXXX

xxxxxx9556

Closed

2025-04-18 08:01

2025-05-05 16:40

Resolved

1 - Information

Compliance

Rescission:Disbursement

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

Resolved-Resolved - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded. - Seller-05/01/2025
Open-The loan disbursement date ( XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" ( XXXX). Under XXXX, funds may not be disbursed to the borrower until after the expiration of the rescission period. ( XXXX) and Official Staff Commentary) The loan disbursement date is XXXX and per Right to Cancel pg#495 the "Right to Cancel Expire Date" is XXXX. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-05/01/2025

Resolved-Resolved - Due Diligence Vendor-05/05/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3897967

N/A

XXXX

xxxxxx7417

Closed

2025-04-24 15:42

2025-04-28 14:03

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Client response received. Finding resolved - Due Diligence Vendor-04/28/2025
Ready for Review-UW analysis wkst in file. This is a 12 month CPA P&L. - Seller-04/24/2025
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-04/24/2025

Ready for Review-UW analysis wkst in file. This is a 12 month CPA P&L. - Seller-04/24/2025

Resolved-Client response received. Finding resolved - Due Diligence Vendor-04/28/2025

Second Home

Purchase

3951871

N/A

XXXX

xxxxxx7417

Closed

2025-04-18 12:37

2025-04-25 12:22

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Sale Escrow Instruction in lieu of the Purchase Contract for CA state can be used, Verified - Resolved - Due Diligence Vendor-04/25/2025
Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/25/2025
Ready for Review-Escrow instructions in file - Seller-04/24/2025
Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract document for the subject property which is missing from the loan file. - Due Diligence Vendor-04/18/2025

Ready for Review-Escrow instructions in file - Seller-04/24/2025

Second Home

Purchase

3899292

N/A

XXXX

xxxxxx1858

Closed

2025-04-24 13:58

2025-05-07 21:50

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/07/2025
Ready for Review-Document Uploaded.  - Seller-05/05/2025
Counter-Attached HOI Policy is not for subject property or borrower.  - Due Diligence Vendor-05/02/2025
Ready for Review-Document Uploaded.  - Seller-04/30/2025
Open-Missing Hazard Insurance Policy - Due Diligence Vendor-04/24/2025

Ready for Review-Document Uploaded. - Seller-05/05/2025

Ready for Review-Document Uploaded. - Seller-04/30/2025

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/07/2025

XXXX

Primary Residence

Purchase

3950010

N/A

XXXX

xxxxxx1858

Closed

2025-04-18 13:05

2025-05-07 21:29

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/07/2025
Ready for Review-Document Uploaded. - Seller-05/05/2025
Open-TRID: Missing Final Closing Disclosure Page XXXX of the Final CD page XXXX, is illegible. Requesting updated Final CD. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-05/05/2025

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/07/2025

XXXX

Primary Residence

Purchase

3899531

N/A

XXXX

xxxxxx1858

Closed

2025-04-18 12:57

2025-04-30 11:58

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-New Construction Property, Used  XXXX% rate to calculate the Tax amount, DTI is matching, Verified - Resolved - Due Diligence Vendor-04/30/2025
Ready for Review-Document Uploaded.  - Seller-04/29/2025
Open-We have the tax annual amount as per the 1008 document is ($ XXXX* XXXX =$ XXXX) where as in tax certificate it is $ XXXX  and also HOA fee amount in 1008 is XXXX where as it is in appraisal $ XXXX/ XXXX=$ XXXX.  - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/29/2025

Resolved-New Construction Property, Used 1.5% rate to calculate the Tax amount, DTI is matching, Verified - Resolved - Due Diligence Vendor-04/30/2025

XXXX

Primary Residence

Purchase

3899457

N/A

XXXX

xxxxxx1858

Closed

2025-04-18 12:50

2025-04-30 11:57

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-New Construction Property, Used 1.5% rate to calculate the Tax amount, Verified - Resolved - Due Diligence Vendor-04/30/2025
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/30/2025
Ready for Review-Document Uploaded. - Seller-04/29/2025
Open-Missing Evidence of Property Tax We have the tax annual amount ($ XXXX* XXXX =$ XXXX) where as in tax certificate it is $XXXX due to this there is a DTI mismatch. Provide updated tax cert. - Due Diligence Vendor-04/18/2025

Ready for Review-Document Uploaded. - Seller-04/29/2025

Resolved-New Construction Property, Used XXXX% rate to calculate the Tax amount, Verified - Resolved - Due Diligence Vendor-04/30/2025
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/30/2025

XXXX

Primary Residence

Purchase

3899387

N/A

XXXX

xxxxxx1858

Closed

2025-04-24 14:07

2025-04-29 16:53

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Borrower is non-perm Resident and XXXX has sanctions currently for Military and Govt officials - Cleared - Due Diligence Vendor-04/29/2025
Counter-Escalated to management - Due Diligence Vendor-04/28/2025
Ready for Review-Document Uploaded. - Seller-04/24/2025
Ready for Review-Can you clarify on what is needed to clear the condition? - Seller-04/24/2025
Open-OFAC Check Not Completed and/or Cleared The borrower is from an OFAC Sanctioned Country. As per the guidelines XXXX, page XXXX/ XXXX, Borrowers from OFAC sanctioned countries are ineligible. - Due Diligence Vendor-04/24/2025

Ready for Review-Document Uploaded. - Seller-04/24/2025

Ready for Review-Can you clarify on what is needed to clear the condition? - Seller-04/24/2025

Resolved-Borrower is non-perm Resident and XXXX has sanctions currently for Military and Govt officials - Cleared - Due Diligence Vendor-04/29/2025

XXXX

Primary Residence

Purchase

3950110

N/A

XXXX

xxxxxx9358

Closed

2025-04-24 13:35

2025-05-08 13:53

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved- XXXX account paid off per attached Final ALTA Settlement Statement - Due Diligence Vendor-05/08/2025
Ready for Review-Document Uploaded. That mortgage was paid off. - Seller-05/07/2025
Open-Liability for XXXX account # XXXX is showing on credit report page XXXX which is a mortgage. This debt is not reporting on 1003. Need corrected 1003/1008 or letter of explanation. - Due Diligence Vendor-04/24/2025

Ready for Review-Document Uploaded. That mortgage was paid off. - Seller-05/07/2025

Resolved- XXXX account paid off per attached Final ALTA Settlement Statement - Due Diligence Vendor-05/08/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3949658

N/A

XXXX

xxxxxx9358

Closed

2025-04-21 15:44

2025-05-06 13:26

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-COC received. Resolved - Due Diligence Vendor-05/06/2025
Ready for Review-Document Uploaded. reuploaded COC - Seller-05/05/2025
Counter-Attached COC is not addressing points increase for Initial CD and Final CD, as Points fee increased from $ XXXX on initial CD to $ XXXX on final CD. - Due Diligence Vendor-04/29/2025
Ready for Review-Document Uploaded. - Seller-04/28/2025
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. ( XXXX; XXXX XXXX; XXXX). Need COC for Initial CD and Final CD, as Points fee increased from $ XXXX to $ XXXX. - Due Diligence Vendor-04/21/2025

Ready for Review-Document Uploaded. reuploaded COC - Seller-05/05/2025

Ready for Review-Document Uploaded. - Seller-04/28/2025

Resolved-COC received. Resolved - Due Diligence Vendor-05/06/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3915183

N/A

XXXX

xxxxxx9358

Closed

2025-04-21 13:59

2025-05-06 11:19

Resolved

1 - Information

Credit

Missing Doc

Title Document is Incomplete

Resolved-Short Form Loan Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/06/2025
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/06/2025
Ready for Review-Document Uploaded. - Seller-05/05/2025
Open-Title Document is Incomplete Provide the updated Title document as Coverage amount is missing in file, and also Zip code is different from the Note. - Due Diligence Vendor-04/21/2025

Ready for Review-Document Uploaded. - Seller-05/05/2025

Resolved-Short Form Loan Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/06/2025

Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/06/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3913518

N/A

XXXX

xxxxxx1939

Closed

2025-04-25 14:32

2025-05-05 18:33

Resolved

1 - Information

Credit

Eligibility

Business Entity Formation Doc Missing

Resolved-Validation Resolved' - Due Diligence Vendor-05/05/2025
Resolved- XXXX, resolved. - Due Diligence Vendor-04/30/2025
Ready for Review-Document Uploaded. - Seller-04/28/2025
Open-Entity Formation Doc Indicator is Missing. Requesting documentation EIN Tax Identification. - Due Diligence Vendor-04/25/2025

Ready for Review-Document Uploaded. - Seller-04/28/2025

Resolved-Validation Resolved' - Due Diligence Vendor-05/05/2025
Resolved- XXXX, resolved. - Due Diligence Vendor-04/30/2025

XXXX

Investment

Purchase

3962774

N/A

XXXX

xxxxxx1939

Closed

2025-04-23 11:19

2025-05-05 15:30

Resolved

1 - Information

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Attestation Letter XXXX and CD maximum prepayment penalty as per Note $ XXXX, resolved. - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded. - Seller-05/01/2025
Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The Prepayment Penalty Amount of $ XXXX on the Note does not match the Prepayment Penalty Amount of $ XXXX on the Final Closing Disclosure.
- Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded. - Seller-05/01/2025

Resolved-Attestation Letter XXXX and CD maximum prepayment penalty as per Note $ XXXX, resolved. - Due Diligence Vendor-05/05/2025

XXXX

Investment

Purchase

3935298

N/A

XXXX

xxxxxx1939

Closed

2025-04-22 12:05

2025-05-05 15:26

Resolved

1 - Information

Property

Appraisal

Property/Appraisal General

Resolved-Loan approval screen print reflects XXXX, resolved. - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded.  - Seller-05/02/2025
Counter-Property Report and Appraisal reflects property as  XXXX. Requesting Loan approval screen print reflects  XXXX. - Due Diligence Vendor-04/30/2025
Ready for Review-Document Uploaded.  - Seller-04/28/2025
Open-Property Report and Appraisal reflects Property Type as " XXXX" Unit whereas the Final 1003 and Loan approval screen print reflects Unit as " XXXX". Provide Clarification. - Due Diligence Vendor-04/22/2025

Ready for Review-Document Uploaded. - Seller-05/02/2025

Ready for Review-Document Uploaded. - Seller-04/28/2025

Resolved-Loan approval screen print reflects XXXX, resolved. - Due Diligence Vendor-05/05/2025

XXXX

Investment

Purchase

3923506

N/A

XXXX

xxxxxx1939

Closed

2025-04-23 12:10

2025-04-29 11:20

Resolved

1 - Information

Credit

Missing Doc

Other Property Insurance Policy Missing

Resolved- XXXX uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/29/2025
Ready for Review-Document Uploaded. - Seller-04/28/2025
Open-The borrower is verified with a wind insurance premium of $ XXXX. Provide the XXXX policy to verify the same.
- Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded. - Seller-04/28/2025

Resolved- XXXX uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-04/29/2025

XXXX

Investment

Purchase

3935647

N/A

XXXX

xxxxxx1188

Closed

2025-04-22 11:21

2025-05-07 09:50

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Supplement uploaded, Title Coverage Amount of $ XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-05/07/2025
Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/07/2025
Ready for Review-Document Uploaded. - Seller-05/06/2025
Open-Title Coverage Amount of $ XXXX is Less than Loan Amount, provide updated title with coverage amount - Due Diligence Vendor-04/22/2025

Ready for Review-Document Uploaded. - Seller-05/06/2025

XXXX

Primary Residence

Purchase

3923204

N/A

XXXX

xxxxxx1188

Closed

2025-04-25 13:43

2025-05-06 13:40

Resolved

1 - Information

Credit

Missing Doc

Missing Verification of Rent

Resolved-Borrower had  XXXX late payments but none went past  XXXX  days. - Due Diligence Vendor-05/06/2025
Ready for Review-Document Uploaded.  - Seller-05/05/2025
Open-Missing Verification of Rent. Verification of rent is indicating XXXX late payments. Dates of late payments missing to determine if any in last  XXXX months. - Due Diligence Vendor-04/25/2025

Ready for Review-Document Uploaded. - Seller-05/05/2025

Resolved-Borrower had XXXX late payments but none went past XXXX days. - Due Diligence Vendor-05/06/2025

XXXX

Primary Residence

Purchase

3962131

N/A

XXXX

xxxxxx1188

Closed

2025-04-25 13:40

2025-04-30 14:28

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2025
Ready for Review-Document Uploaded. - Seller-04/29/2025
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/25/2025

Ready for Review-Document Uploaded. - Seller-04/29/2025

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2025

XXXX

Primary Residence

Purchase

3962094

N/A

XXXX

xxxxxx9956

Closed

2025-04-23 07:10

2025-05-01 09:56

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025
Ready for Review-Document Uploaded. - Seller-04/30/2025
Open-Title Coverage Amount of $ XXXX is Less than Loan Amount Provide the title document with coverage amount. - Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded. - Seller-04/30/2025

Resolved-Title Coverage Amount of $ XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3934076

N/A

XXXX

xxxxxx9956

Closed

2025-04-23 06:53

2025-04-29 12:38

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/29/2025

Ready for Review-Document Uploaded. - Seller-04/28/2025

Open-The Initial 1003 is Missing We have the Initial 1003's but borrower sign, LO sign and date is missing. The Initial 1003 is Missing for both borrowers. - Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded. - Seller-04/28/2025

Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/29/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3933991

N/A

XXXX

xxxxxx9956

Closed

2025-04-23 08:42

2025-04-29 12:36

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/29/2025
Ready for Review-There is a prior mortgage from their previous residence reporting until XXXX for XXXX months paid as agreed. THe current mortgage did not have a complete XXXX month history due to opening date XXXX and 1st payment date was probably not until XXXX or after. - Seller-04/28/2025
Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage or Current Rent History actual XXXX months verified from credit report page # XXXX Hence Housing History Meets G/L Requirements not meeting the XXXX months of mortgage history. - Due Diligence Vendor-04/23/2025

Ready for Review-There is a prior mortgage from their previous residence reporting until XXXX for XXXX months paid as agreed. THe current mortgage did not have a complete XXXX month history due to opening date XXXX and 1st payment date was probably not until XXXX or after. - Seller-04/28/2025

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/29/2025

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3934728

N/A

XXXX

xxxxxx1651

Closed

2025-04-24 11:49

2025-05-13 09:50

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-1008 document  with Correct Property Type & P&I provided. - Due Diligence Vendor-05/13/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2025

Ready for Review-Document Uploaded.  - Seller-05/12/2025

Open-The 1008 document is missing from the loan file. Property Type per 1008 is PUD but per Appraisal document it is Single Family Detached. Provide 1008 with correct property type. P&I also does not match Note P&I.  - Due Diligence Vendor-04/24/2025

Ready for Review-Document Uploaded. - Seller-05/12/2025

Resolved-1008 document with Correct Property Type & P&I provided. - Due Diligence Vendor-05/13/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2025

XXXX

Primary Residence

Purchase

3948478

N/A

XXXX

xxxxxx1651

Closed

2025-04-23 14:35

2025-05-01 13:49

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Validation Resolved - Due Diligence Vendor-05/01/2025
Ready for Review-FICOs in file do not match what the TPR FICO scores. XXXX is the median FICO score for primary wage earner. This is the FICO reflected on 1008. - Seller-04/30/2025
Open-Qualifying FICO on the 1008 Page is ' XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is ' XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per G/L for Full Doc: Used the Decision Score for the primary wage earner.
- Due Diligence Vendor-04/23/2025

Ready for Review-FICOs in file do not match what the TPR FICO scores. XXXX is the median FICO score for primary wage earner. This is the FICO reflected on 1008. - Seller-04/30/2025

Resolved-Validation Resolved - Due Diligence Vendor-05/01/2025

Primary Residence

Purchase

3937442

N/A

XXXX

xxxxxx1331

Closed

2025-04-24 10:33

2025-05-01 15:11

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-05/01/2025
Ready for Review-Document Uploaded. - Seller-04/30/2025
Open-The Final 1003 is Missing Provide Final 1003 document, as it is missing in file.
- Due Diligence Vendor-04/24/2025

Ready for Review-Document Uploaded. - Seller-04/30/2025

Resolved-The Final 1003 is Present - Due Diligence Vendor-05/01/2025

XXXX

Primary Residence

Purchase

3947937

N/A

XXXX

xxxxxx9436

Closed

2025-04-29 12:38

2025-05-01 15:28

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/01/2025

Ready for Review-Document Uploaded. - Seller-04/29/2025

Open-The 1008 document is missing from the loan file. There is a discrepancy in the Required Reserves listed on the Approval and 1008. - Due Diligence Vendor-04/29/2025

Ready for Review-Document Uploaded. - Seller-04/29/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/01/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3990510

N/A

XXXX

xxxxxx9436

Closed

2025-04-25 07:14

2025-05-01 15:26

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Client clarification received. Mavent successfully run. Resolved - Due Diligence Vendor-05/01/2025
Ready for Review-The initial CD is not required to be executed. There is no timing issue since the consummation CD was issued on XXXX. - Seller-04/29/2025
Open-TRID: Missing Closing Disclosure The Initial CD in pg# XXXX is unexecuted. Provide updated Initial CD. - Due Diligence Vendor-04/25/2025

Ready for Review-The initial CD is not required to be executed. There is no timing issue since the consummation CD was issued on XXXX. - Seller-04/29/2025

Resolved-Client clarification received. Mavent successfully run. Resolved - Due Diligence Vendor-05/01/2025

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3959532

N/A

XXXX

xxxxxx1722

Closed

2025-04-29 17:36

2025-05-19 14:16

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-Borrower Ok to sign as they did per Compliance team - Due Diligence Vendor-05/19/2025
Ready for Review- XXXX and XXXX management discussed, and XXXX management wishes to accept the signatures as they are.  Please consider this our attestation and see  XXXX with any questions. - Seller-05/15/2025
Counter-As the Document is listed with words “ XXXX” the Borrower needs to write in their name also the words as XXXX because they are signing not as an  XXXX but for the  XXXX – Signing with just their name can make them personally Liable. - Due Diligence Vendor-05/02/2025
Ready for Review-Email sent to  XXXX.  Signed separately as  XXXX and XXXX.  Signatures split between  XXXX pages. - Seller-05/02/2025
Counter-The attached Deed of Trust is in the name of a  XXXX, however borrowers did not sign the Deed of Trust as XXXX /  XXXX. Requesting updated Deed of Trust.  - Due Diligence Vendor-05/01/2025
Ready for Review-Document Uploaded.  - Seller-04/29/2025
Open-The Deed of Trust is Missing The Deed of Trust is in the name of a Trust, however borrowers did not sign the Deed of Trust as XXXX /  XXXX.  - Due Diligence Vendor-04/29/2025

Ready for Review- XXXX and XXXX management discussed, and XXXX management wishes to accept the signatures as they are.  Please consider this our attestation and see  XXXX with any questions. - Seller-05/15/2025
Ready for Review-Email sent to XXXX.  Signed separately as XXXX and  XXXX.  Signatures split between two pages. - Seller-05/02/2025
Ready for Review-Document Uploaded.  - Seller-04/29/2025

Resolved-Borrower Ok to sign as they did per Compliance team - Due Diligence Vendor-05/19/2025

XXXX

Primary Residence

Purchase

3995087

N/A

XXXX

xxxxxx1722

Closed

2025-04-29 17:34

2025-05-19 14:16

Resolved

1 - Information

Compliance

Missing Doc

The Note is Incomplete

Resolved-Borrower Ok to sign as they did per Compliance team - Due Diligence Vendor-05/19/2025
Ready for Review- XXXX and XXXX management discussed, and  XXXX management wishes to accept the signatures as they are.  Please consider this our attestation and see XXXX with any questions. - Seller-05/15/2025
Counter-As the Document is listed with words “as  XXXX” the Borrower needs to write in their name also the words as  XXXX because they are signing not as an XXXX but for the Trust – Signing with just their name can make them personally Liable. - Due Diligence Vendor-05/02/2025
Ready for Review-Email sent to XXXX.  Signature page shows  XXXX and XXXX. - Seller-05/02/2025
Counter-The attached Note is in the name of a  XXXX, however borrowers did not sign the Note as  XXXX / XXXX. Requesting updated Note.  - Due Diligence Vendor-05/01/2025
Ready for Review-Document Uploaded.  - Seller-04/29/2025
Open-The Note is Incomplete The Note is in the name of a  XXXX, however borrowers did not sign the Note as Trustees / Individuals.  - Due Diligence Vendor-04/29/2025

Ready for Review- XXXX and XXXX management discussed, and XXXX management wishes to accept the signatures as they are.  Please consider this our attestation and see XXXX with any questions. - Seller-05/15/2025
Ready for Review-Email sent to XXXX.  Signature page shows individual and trustee. - Seller-05/02/2025
Ready for Review-Document Uploaded.  - Seller-04/29/2025

Resolved-Borrower Ok to sign as they did per Compliance team - Due Diligence Vendor-05/19/2025

XXXX

Primary Residence

Purchase

3995056

N/A

XXXX

xxxxxx9952

Closed

2025-04-29 14:32

2025-05-06 18:00

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/06/2025
Ready for Review-Florida Statute XXXX states: "No person (this includes lenders) may require an insurance agent or agency to directly or indirectly provide the replacement cost estimator or other underwriting information of an insurer underwriting an insurance policy covering real property, as a condition precedent  - Seller-05/05/2025
Counter-Ok, but coverage amount of $XXXX on pgXXXX does not cover Loan amount of $XXXX. - Due Diligence Vendor-05/02/2025
Ready for Review-Document Uploaded. Hi, again this is XXXX.  That is what the coverage is.  XXXX is the spouse.  The borrower name is on the next page of the insurance under "Additional Interest" - Seller-05/01/2025
Counter-Not asking forXXXX. Coverage amount is $XXXX on pgXXXX does not cover Loan amount of $XXXX. Also, the HOI shows XXXX as insured and not the borrower.  - Due Diligence Vendor-05/01/2025
Ready for Review-Hi, this is XXXX.  They don't provide RCE (it is illegal to ask for a XXXX in XXXX).  Please check with your manager on what is needed as these type of conditions has been clear in the past. - Seller-04/30/2025
Open-Hazard Insurance Policy Partially Provided Coverage amount not enough.  - Due Diligence Vendor-04/29/2025

Ready for Review-XXXX Statute XXXX states: "No person (this includes lenders) may require an insurance agent or agency to directly or indirectly provide the replacement cost estimator or other underwriting information of an insurer underwriting an insurance policy covering real property, as a condition precedent  - Seller-05/05/2025
Ready for Review-Document Uploaded. Hi, again this is XXXX.  That is what the coverage is. XXXX is the spouse.  The borrower name is on the next page of the insurance under "Additional Interest" - Seller-05/01/2025
Ready for Review-Hi, this is XXXX.  They don't provide XXXX (it is illegal to ask for a XXXX inXXXX).  Please check with your manager on what is needed as these type of conditions has been clear in the past. - Seller-04/30/2025

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/06/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3992013

N/A

XXXX

xxxxxx1806

Closed

2025-04-28 08:05

2025-05-02 14:44

Resolved

1 - Information

Compliance

Disclosure

Missing PCCD.

Resolved-PCCD uploaded. Resolved.  - Due Diligence Vendor-05/02/2025
Ready for Review-Document Uploaded.  - Seller-05/01/2025
Ready for Review-Document Uploaded.  - Seller-05/01/2025
Open-As per gift letters and wire transfers, the Gift Funds for $XXXX are not listed on the Final Closing Disclosure. Requesting updated PCCD with gift amount. - Due Diligence Vendor-04/28/2025

Ready for Review-Document Uploaded. - Seller-05/01/2025

Ready for Review-Document Uploaded. - Seller-05/01/2025

Resolved-PCCD uploaded. Resolved. - Due Diligence Vendor-05/02/2025

XXXX

Primary Residence

Purchase

3975892

N/A

XXXX

xxxxxx1806

Closed

2025-04-28 08:00

2025-05-02 11:06

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Property is in XXXX state Tax is calculated as follows Sales Price  x XXXX%, DTI is matching with the 1008, Verified - Resolved - Due Diligence Vendor-05/02/2025
Ready for Review-This is a CA purchase, taxes are calculated at XXXX% of purchase price.    The $XXXX is the current tax cert, taxes paid by seller. - Seller-05/01/2025
Open-As per the 1008 Document on page#XXXX we have the tax annual amount ($XXXX*XXXX =$XXXX) where as in tax certificate it is $XXXX*XXXX =$XXXX due to this there is a DTI mismatch.  - Due Diligence Vendor-04/28/2025

Ready for Review-This is a CA purchase, taxes are calculated at XXXX% of purchase price. The $XXXX is the current tax cert, taxes paid by seller. - Seller-05/01/2025

Resolved-Property is in CA state Tax is calculated as follows Sales Price XXXX%, DTI is matching with the 1008, Verified - Resolved - Due Diligence Vendor-05/02/2025

Primary Residence

Purchase

3975885

N/A

XXXX

xxxxxx1806

Closed

2025-04-28 07:57

2025-05-02 11:06

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Property is in XXXX state Tax is calculated as follows Sales Price XXXX%, Verified - Resolved
- Due Diligence Vendor-05/02/2025
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/02/2025
Ready for Review-CA Purchase. Taxes are calculated at XXXX% of purchase price. $XXXX is the current tax cert, taxes paid by seller. - Seller-05/01/2025
Open-Missing Evidence of Property Tax As per the 1008 Document on page#XXXX we have the tax annual amount ($XXXX*XXXX =$XXXX) where as in tax certificate it is $XXXX*XXXX =$XXXX due to this there is a DTI mismatch. Provide updated tax paid proof doc with $XXXX or updated 1008.
- Due Diligence Vendor-04/28/2025

Ready for Review-CA Purchase. Taxes are calculated at XXXX% of purchase price. $XXXX is the current tax cert, taxes paid by seller. - Seller-05/01/2025

Resolved-Property is in CA state Tax is calculated as follows Sales Price XXXX%, Verified - Resolved
- Due Diligence Vendor-05/02/2025
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/02/2025

Primary Residence

Purchase

3975880

N/A

XXXX

xxxxxx1004

Closed

2025-04-28 05:51

2025-05-09 18:04

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Resolved with Uploads and client attestation - Due Diligence Vendor-05/09/2025
Ready for Review-Document Uploaded.  - Seller-05/08/2025
Ready for Review-Document Uploaded. There was an internal error causing the file to be delivered as a Full Doc when it was always intended to be an Alt Doc. There was no evidence in the file of this being a Full Doc as there were no income documentation, tax return, etc., and only bank statements were provided. - Seller-05/07/2025
Ready for Review-Document Uploaded.  - Seller-05/05/2025
Open-Loan approval on page# XXXX reflecting as Full Doc -XXXX months, provide supporting income documents for full doc including forms listed on the XXXX ie XXXX and XXXX  - Due Diligence Vendor-04/28/2025

Ready for Review-Document Uploaded. - Seller-05/08/2025
Ready for Review-Document Uploaded. There was an internal error causing the file to be delivered as a Full Doc when it was always intended to be an Alt Doc. There was no evidence in the file of this being a Full Doc as there were no income documentation, tax return, etc., and only bank statements were provided. - Seller-05/07/2025
Ready for Review-Document Uploaded. - Seller-05/05/2025

Resolved-Resolved with Uploads and client attestation - Due Diligence Vendor-05/09/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3975455

N/A

XXXX

xxxxxx1004

Closed

2025-04-28 05:31

2025-05-07 15:43

Resolved

1 - Information

Compliance

Rescission:Disbursement

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

Resolved-Resolved - Due Diligence Vendor-05/07/2025
Ready for Review-Document Uploaded. - Seller-05/05/2025
Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX). Under XXXX, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXXX) and Official Staff Commentary) The loan disbursement date (XXXX) is same day as, the calculated "Right to Cancel Expire Date" (XXXX). Provide updated right to cancel/PCCD . - Due Diligence Vendor-04/28/2025

Ready for Review-Document Uploaded. - Seller-05/05/2025

Resolved-Resolved - Due Diligence Vendor-05/07/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3975385

N/A

XXXX

xxxxxx1004

Closed

2025-04-28 05:04

2025-05-07 15:15

Resolved

1 - Information

Credit

Missing Doc

The letter of explanation for the borrower's assets/reserves is missing

Resolved-Client clarification has been received and reviewed. Resolved - Due Diligence Vendor-05/07/2025
Ready for Review-Document Uploaded. The 100% access letter is not needed as borrower XXXX is deceased and the death certificate is in file and should have been with the bank statement items - Seller-05/05/2025
Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Checking account XXXX join account amount is using borrower but letter of explanation is missing for that, Provide the letter of explanation for using the funds. - Due Diligence Vendor-04/28/2025

Ready for Review-Document Uploaded. The 100% access letter is not needed as borrower XXXX is deceased and the death certificate is in file and should have been with the bank statement items - Seller-05/05/2025

Resolved-Client clarification has been received and reviewed. Resolved - Due Diligence Vendor-05/07/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3975298

N/A

XXXX

xxxxxx1677

Closed

2025-04-28 11:00

2025-05-05 18:06

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded. - Seller-05/01/2025
Open-Housing History Does Not Meet Guideline Requirements Proof on pg#XXXX for borrower rent free on current address shows address XXXX whereas as per 1003 current address is XXXX, provide updated LOX with correct address.
- Due Diligence Vendor-04/28/2025

Ready for Review-Document Uploaded. - Seller-05/01/2025

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/05/2025

XXXX

Primary Residence

Purchase

3976566

N/A

XXXX

xxxxxx1677

Closed

2025-04-28 10:52

2025-05-05 11:45

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Executed 4506-T Missing

Resolved-Borrower 1 Executed XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025
Resolved-Borrower 1 Executed XXXX Provided - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded. - Seller-05/02/2025
Open-Borrower 1 Executed XXXX Missing - Due Diligence Vendor-04/28/2025

Ready for Review-Document Uploaded. - Seller-05/02/2025

Resolved-Borrower 1 Executed XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/05/2025
Resolved-Borrower 1 Executed XXXX Provided - Due Diligence Vendor-05/05/2025

XXXX

Primary Residence

Purchase

3976503

N/A

XXXX

xxxxxx0287

Closed

2025-04-30 18:01

2025-05-05 14:59

Resolved

1 - Information

Compliance

Missing Doc

Missing Change of Circumstance

Resolved-COC XXXX for Final CD XXXX, Resolved. - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded. There is a COC in file dated XXXX (attaching here). It is within the 3 day time frame of the consummation CD that was issued on XXXX. I’m assuming this would also go along with condition #XXXX? - Seller-05/01/2025
Open-Missing Change of Circumstance for CD XXXX. - Due Diligence Vendor-04/30/2025

Ready for Review-Document Uploaded. There is a COC in file dated XXXX (attaching here). It is within the 3 day time frame of the consummation CD that was issued on XXXX. I’m assuming this would also go along with condition #XXXX? - Seller-05/01/2025

Resolved-COC XXXX for Final CD XXXX, Resolved. - Due Diligence Vendor-05/05/2025

XXXX

Primary Residence

Purchase

4007314

N/A

XXXX

xxxxxx0287

Closed

2025-04-28 16:04

2025-05-05 14:56

Resolved

1 - Information

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/05/2025

Ready for Review-Document Uploaded. - Seller-05/02/2025

Open-Consumer Caution and Home Owner Counseling Notice is Missing Provide Consumer Caution and Home Owner Counseling Notice which is missing from loan file. - Due Diligence Vendor-04/28/2025

Ready for Review-Document Uploaded. - Seller-05/02/2025

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/05/2025

XXXX

Primary Residence

Purchase

3980741

N/A

XXXX

xxxxxx0287

Closed

2025-04-29 11:33

2025-05-05 14:55

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial LE XXXX, Resolved  - Due Diligence Vendor-05/05/2025
Ready for Review-Document Uploaded.  - Seller-05/01/2025
Ready for Review-The LE’s are NOT required to be signed.  With the exception of the initial one providedXXXX, the other 5 LE’s have a re-disclosure delivery confirmation and acknowledgement which are all signed all attached to each one on the last page.  The initial unsigned LE was dated XXXX and the next LE that had the confirmation and acknowledgement was issued XXXX so there is no timing issue. - Seller-05/01/2025
Open-Loan Estimate's provided are not executed. Provide Initial LE and Revised LE's with borrower signature and received date. - Due Diligence Vendor-04/29/2025

Ready for Review-Document Uploaded. - Seller-05/01/2025
Ready for Review-The LE’s are NOT required to be signed. With the exception of the initial one providedXXXX, the other 5 LE’s have a re-disclosure delivery confirmation and acknowledgement which are all signed all attached to each one on the last page. The initial unsigned LE was datedXXXX and the next LE that had the confirmation and acknowledgement was issued XXXXso there is no timing issue. - Seller-05/01/2025

Resolved-Initial LE XXXX, Resolved - Due Diligence Vendor-05/05/2025

XXXX

Primary Residence

Purchase

3990002

N/A

XXXX

xxxxxx0287

Closed

2025-04-28 16:04

2025-05-05 14:50

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Resolved - Due Diligence Vendor-05/05/2025
Ready for Review-The initial LE shows the credit report fee to be $XXXX and the consummation shows the borrower paid $XXXX for the credit report fee and the lender paid $XXXX as a lender credit for the increase. Please clarify what you're needing. Thank you, - Seller-05/01/2025
Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fees updated per Final CD. - Due Diligence Vendor-04/28/2025

Ready for Review-The initial LE shows the credit report fee to be $XXXX and the consummation shows the borrower paid $XXXX for the credit report fee and the lender paid $XXXX as a lender credit for the increase. Please clarify what you're needing. Thank you, - Seller-05/01/2025

Resolved-Resolved - Due Diligence Vendor-05/05/2025

Primary Residence

Purchase

3980749

N/A

XXXX

xxxxxx1751

Closed

2025-04-29 08:22

2025-05-08 09:26

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-05/08/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/08/2025

Ready for Review-Document Uploaded. - Seller-05/07/2025

Open-The 1008 document is missing from the loan file. Provide updated 1008, as risk assessment showing AUS instead of Manual Underwriting, NQM loan required Manual Underwriting. - Due Diligence Vendor-04/29/2025

Ready for Review-Document Uploaded. - Seller-05/07/2025

XXXX

Primary Residence

Purchase

3989057

N/A

XXXX

xxxxxx1751

Closed

2025-04-29 09:12

2025-05-02 13:49

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved- - Due Diligence Vendor-05/02/2025
Ready for Review-Document Uploaded. B1 is self employed so I’ve provided the attached business license information. - Seller-05/01/2025
Open-Borrower 1 3rd Party XXXX Prior to Close Missing Third party verification of employment prior to close was not located in the file and is required. - Due Diligence Vendor-04/29/2025

Ready for Review-Document Uploaded. B1 is self employed so I’ve provided the attached business license information. - Seller-05/01/2025

Resolved- - Due Diligence Vendor-05/02/2025

XXXX

Primary Residence

Purchase

3989271

N/A

XXXX

xxxxxx1751

Closed

2025-04-29 08:11

2025-05-02 13:11

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved- - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. I’ve attached the complete 16 page, final 1003 - Seller-05/01/2025

Open-The Final 1003 is Missing The loan documents contain only partial Final 1003's for both borrowers. Complete Final 1003's are required. - Due Diligence Vendor-04/29/2025

Ready for Review-Document Uploaded. I’ve attached the complete 16 page, final 1003 - Seller-05/01/2025

XXXX

Primary Residence

Purchase

3989016

N/A

XXXX

xxxxxx1159

Closed

2025-05-01 11:52

2025-05-06 16:02

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/06/2025
Ready for Review-Document Uploaded. - Seller-05/02/2025
Open-Final HUD-1 Document is Missing. On HUD settlement statement XXXX, HUD line no XXXX reflects mortgage Insurance instead of hazard insurance and premium also not matching with HOI annual policy premium. - Due Diligence Vendor-05/01/2025

Ready for Review-Document Uploaded. - Seller-05/02/2025

Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-05/06/2025

XXXX

Investment

Refinance

Cash Out - Other

4013172

N/A

XXXX

xxxxxx9297

Closed

2025-05-07 03:49

2025-05-19 14:34

Resolved

1 - Information

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Validation Resolved', Asset utilization worksheet with assets needed for closing costs and reserves received. - Due Diligence Vendor-05/19/2025
Ready for Review-Document Uploaded. Per U/W: I have attached the updated asset utilization worksheet. I am not using the Chase Acct XXXX or XXXX only the XXXX. For qualifying assets. See worksheet. - Seller-05/15/2025
Counter-The Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers and does not include the income calculations for the bank assets from Chase. The Asset utilization worksheet does not contain the eligible total asset balance minus any funds used for down payment, closing costs and reserves divided by XXXX months. - Due Diligence Vendor-05/13/2025
Ready for Review-The borrower didn’t use assets from the XXXX for closing only for qualifying purposes under the asset utilization loan product. The assets the borrower used for closing came from hisXXXX and XXXX. - Seller-05/09/2025
Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Asset utilization worksheet is not showing the total balance of assets eligible minus all funds used for down payment, closing costs and reserves divided by XXXX months. - Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. Per U/W: I have attached the updated asset utilization worksheet. I am not using the XXXX or XXXX only the XXXX. For qualifying assets. See worksheet. - Seller-05/15/2025
Ready for Review-The borrower didn’t use assets from the XXXX for closing only for qualifying purposes under the asset utilization loan product. The assets the borrower used for closing came from his XXXX andXXXX. - Seller-05/09/2025

Resolved-Validation Resolved', Asset utilization worksheet with assets needed for closing costs and reserves received. - Due Diligence Vendor-05/19/2025

XXXX

Primary Residence

Purchase

4064905

N/A

XXXX

xxxxxx1437

Closed

2025-05-05 07:45

2025-05-19 14:10

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-05/19/2025
Ready for Review-Document Uploaded. Appraisal Fee chg on pg #2 of COC - Seller-05/16/2025
Counter-Appraisal fee increased to XXXX on Initial CD. Need COC. - Due Diligence Vendor-05/16/2025
Ready for Review-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX(e)(3); XXXX(e)(4); XXXX(f)(2)(v)). Appraisal fee increased to XXXX on Initial CD. Need COC. - Due Diligence Vendor-05/16/2025
Ready for Review-Document Uploaded. - Seller-05/15/2025
Counter-Can you provide the revised CD that goes along with the COC. It is dated XXXX and Final CDD is dated XXXX. - Due Diligence Vendor-05/15/2025
Ready for Review-Document Uploaded. - Seller-05/14/2025
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX(e)(3); XXXX(e)(4); XXXX(f)(2)(v)). 1) Appraisal Fee increased from Initial LE XXXX to Revised LEXXXX-POC(B) and COC provided in XXXX and same is updated in LM. 2) Points - Loan Discount Fee is added in Final CD(XXXX) but COC not available. Provide COC for Points - Loan Discount Fee increase. - Due Diligence Vendor-05/05/2025

Resolved-Resolved - Due Diligence Vendor-05/19/2025

XXXX

Primary Residence

Purchase

4039761

N/A

XXXX

xxxxxx1437

Closed

2025-05-05 07:45

2025-05-16 13:11

Resolved

1 - Information

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved- - Due Diligence Vendor-05/16/2025
Ready for Review-Document Uploaded. - Seller-05/15/2025
Counter-Can you provide the revised CD that goes along with the COC. It is dated XXXX and Final CDD is dated XXXX. - Due Diligence Vendor-05/15/2025
Ready for Review-Document Uploaded. - Seller-05/14/2025
Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of (XXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits decreased from Initial LE(XXXX) to Revised CD(XXXX) and again decreased to Final CD(XXXX) but COC not available in file. Provide COC for Lender Credit decrease on each TRID doc.
- Due Diligence Vendor-05/05/2025

Ready for Review-Document Uploaded. - Seller-05/15/2025

Ready for Review-Document Uploaded. - Seller-05/14/2025

Resolved- - Due Diligence Vendor-05/16/2025

XXXX

Primary Residence

Purchase

4039762

N/A

XXXX

xxxxxx1250

Closed

2025-05-06 12:43

2025-05-20 13:48

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-XXXX uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-05/09/2025
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/09/2025
Ready for Review-Document Uploaded. Please see attached personal property insurance. - Seller-05/08/2025
Open-Missing Hazard Insurance Policy As per the 1008 document we have the Supplemental Property Insurance amount of $XXXX= $XXXX but we don't have the proof of hoi document in file , Provide the additional HOI document with premium amount of $XXXX
- Due Diligence Vendor-05/06/2025

Ready for Review-Document Uploaded. Please see attached personal property insurance. - Seller-05/08/2025

Resolved-California FAIR Plan Association uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-05/09/2025

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/09/2025

XXXX

Primary Residence

Purchase

4054215

N/A

XXXX

xxxxxx1250

Closed

2025-05-06 11:47

2025-05-20 13:31

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Appraisal Re-inspection fee previously captured. Although non finance charge getting TILA/RESPA fail. Mavent Pass as Inspection Fee $XXXX. Resolved. - Due Diligence Vendor-05/20/2025
Ready for Review-You are doing the same thing again.  You are counting the Re-Inspection fee (1004D) of $XXXX as APR.  This is NOT an APR fee. - Seller-05/16/2025
Counter-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX);XXXX) - Due Diligence Vendor-05/15/2025
Ready for Review-Hi, please double check. The TC fee of $XXXX is not a APR Fee.  This is a  fee in section H and is not subject to APR. - Seller-05/13/2025
Counter-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXX below the actual finance charge. (XXXX); XXXX) All drop downs are selected correctly, still showing the finding, The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). Transaction Coordinator Fee $XXXX  - Due Diligence Vendor-05/12/2025
Ready for Review-Hi, not sure how you got $XXXX, but I checked your Mavent and you included the Inspection fee of $XXXX.  That the Appraisal Re-Inspection Fee.  This is not APR. - Seller-05/08/2025
Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXXXbelow the actual finance charge. (XXXX); XXXX All drop downs are selected correctly, still showing the finding, The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX).  - Due Diligence Vendor-05/06/2025

Ready for Review-You are doing the same thing again.  You are counting the Re-Inspection fee (1004D) of $XXXX as APR.  This is NOT an APR fee. - Seller-05/16/2025
Ready for Review-Hi, please double check. The TC fee of $XXXX is not a APR Fee.  This is a  fee in section H and is not subject to APR. - Seller-05/13/2025
Ready for Review-Hi, not sure how you got $XXXX, but I checked your Mavent and you included the Inspection fee of $XXXX.  That the Appraisal Re-Inspection Fee.  This is not APR. - Seller-05/08/2025

Resolved-Appraisal Re-inspection fee previously captured. Although non finance charge getting TILA/RESPA fail. Mavent Pass as Inspection Fee $XXXX. Resolved. - Due Diligence Vendor-05/20/2025

Primary Residence

Purchase

4053708

N/A

XXXX

xxxxxx1250

Closed

2025-05-06 12:12

2025-05-15 14:18

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD 5/13/2025, resolved. - Due Diligence Vendor-05/15/2025
Ready for Review-Document Uploaded. Hi, please see attached. - Seller-05/13/2025
Counter-Missing Final CD Disbursement XXXX or PCCD with Deposited funds required to close. - Due Diligence Vendor-05/12/2025
Ready for Review-Hi, please advise why is this a finding. XXXX is a dry funding state. Docs are not date Sensitive. - Seller-05/08/2025
Open-TRID: Missing Final Closing Disclosure Notary signed on XXXX where as Disbursement Date is final cd is XXXX , Provide updated final CD with on or after XXXX. - Due Diligence Vendor-05/06/2025

Ready for Review-Document Uploaded. Hi, please see attached. - Seller-05/13/2025
Ready for Review-Hi, please advise why is this a finding. XXXX funding state. Docs are not date Sensitive. - Seller-05/08/2025

Resolved-PCCD XXXX, resolved. - Due Diligence Vendor-05/15/2025

XXXX

Primary Residence

Purchase

4053883

N/A

XXXX

xxxxxx1250

Closed

2025-05-06 11:47

2025-05-12 21:06

Resolved

1 - Information

Compliance

TRID

Federal - Loan Estimate Received At Least Four Business Days Before Consummation

Resolved-Initial LE Page XXXX Received XXXX Rate not locked.
Subsequent LE Page XXXX  Received XXXX   Rate Locked.
Subsequent LE Page XXXX5 Received XXXX.                         - Due Diligence Vendor-05/12/2025
Ready for Review-Please advise what is wrong with this.  The initial LE is onXXXX.  The borrower lock on the same day so another LE was sent out on the same day for the Locked LE (XXXX).  The 3XXXX is the Revised LE for pricing changed.  Both COC for XXXX and XXXX are in the file. - Seller-05/08/2025
Open-You submitted a Last Loan Estimate Received Date (XXXX) earlier than the Last Loan Estimate Date (XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (XXXX(f); XXXX; XXXX(e)) Loan Estimate Received Date (XXXX) earlier than the Last Loan Estimate Date (XXXX). - Due Diligence Vendor-05/06/2025

Ready for Review-Please advise what is wrong with this. The initial LE is on XXXX. The borrower lock on the same day so another LE was sent out on the same day for the Locked LE (XXXX). The XXXX is the Revised LE for pricing changed. Both COC for XXXX and XXXX are in the file. - Seller-05/08/2025

Resolved-Initial LE Page XXXX Received XXXX Rate not locked.
Subsequent LE Page XXXX Received XXXX Rate Locked.
Subsequent LE Page XXXX Received XXXX. - Due Diligence Vendor-05/12/2025

Primary Residence

Purchase

4053707

N/A

XXXX

xxxxxx1250

Closed

2025-05-07 18:50

2025-05-12 19:49

Resolved

1 - Information

Credit

Doc Issue

Missing proof of hazard insurance

Resolved-XXXX Page XXXX HOA $XXXX, Page XXXX Tax $XXXX, Attached Borrower Letter HOI walls in coverage. Final 1003 and 1008 monthly $XXXX, resolved. - Due Diligence Vendor-05/12/2025
Ready for Review-Document Uploaded. Hi, this property is already paid off. No insurance is needed. - Seller-05/08/2025
Open-Missing Hazard Insurance policy for XXXX. - Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. Hi, this property is already paid off. No insurance is needed. - Seller-05/08/2025

Resolved-XXXX PageXXXX HOA $XXXX, Page XXXX Tax $XXXX, Attached Borrower Letter HOI walls in coverage. Final 1003 and 1008 monthly $XXXX, resolved. - Due Diligence Vendor-05/12/2025

XXXX

Primary Residence

Purchase

4073371

N/A

XXXX

xxxxxx1250

Closed

2025-05-06 12:48

2025-05-09 10:35

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Property is in XXXX, Taxes are calculated as follows Sales Price of $XXXX x XXXX% Tax Assessment Factor = $XXXX ($XXXX Monthly), DTI is marching with the 1008, Verified & entered in system - Resolved - Due Diligence Vendor-05/09/2025
Ready for Review-Please refer to the 2 other conditions regarding the insurance and taxes. - Seller-05/08/2025
Open-As per the 1008 document we have the Supplemental Property Insurance amount of $XXXX= $XXXX but we don't have the proof of hoi document in file and we have the tax annual amount ($XXXX =$XXXX) where as in tax certificate it is $XXXX due to this there is a DTI mismatch. - Due Diligence Vendor-05/06/2025

Ready for Review-Please refer to the 2 other conditions regarding the insurance and taxes. - Seller-05/08/2025

Primary Residence

Purchase

4054267

N/A

XXXX

xxxxxx1250

Closed

2025-05-06 12:33

2025-05-09 10:33

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Property is in CA state, Taxes are calculated as follows Sales Price of $XXXX x XXXX% Tax Assessment Factor = $XXXX ($XXXX Monthly), Verified & entered in system - Resolved
- Due Diligence Vendor-05/09/2025
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/09/2025
Ready for Review-Hi, this is a XXXX Purchase. We go off the Purchase Price $XXXX x XXXX% / 12months = $XXXX- Seller-05/08/2025
Open-Missing Evidence of Property Tax As per the 1008 document we have the tax annual amount ($XXXX =$XXXX) where as in tax certificate it is $XXXX due to this there is a DTI mismatch. Provide updated tax paid proof doc with $XXXX.
- Due Diligence Vendor-05/06/2025

Ready for Review-Hi, this is a XXXX Purchase. We go off the Purchase Price $XXXX x XXXX% / 12months = $XXXX - Seller-05/08/2025

Resolved-Property is in XXXX state, Taxes are calculated as follows Sales Price of $XXXX x XXXX% Tax Assessment Factor = $XXXX ($XXXX Monthly), Verified & entered in system - Resolved
- Due Diligence Vendor-05/09/2025
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/09/2025

Primary Residence

Purchase

4054090

N/A

XXXX

xxxxxx1587

Closed

2025-05-22 15:33

2025-05-27 16:33

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Resolved. 1008 has been reviewed and LM has been updated - Due Diligence Vendor-05/27/2025

Ready for Review-Document Uploaded. - Seller-05/22/2025

Open-The 1008 document is missing from the loan file. Income has been updated per the updated income calculator. Provide updated 1008 with DTis and Income matching the provided income worksheet - Due Diligence Vendor-05/22/2025

Ready for Review-Document Uploaded. - Seller-05/22/2025

Resolved-Resolved. 1008 has been reviewed and LM has been updated - Due Diligence Vendor-05/27/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4215636

N/A

XXXX

xxxxxx1587

Closed

2025-05-08 11:03

2025-05-27 16:31

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI Requirements

Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI of XXXX% - Due Diligence Vendor-05/27/2025
Resolved-Guideline review successfully run. Resolved - Due Diligence Vendor-05/22/2025
Ready for Review-Document Uploaded. - Seller-05/20/2025
Counter-Provided COC does not address DTI breach. - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. - Seller-05/09/2025
Open-Audited DTI of XXXX% exceeds Guideline DTI of XXXX% Education loan payments in credit report not considered for Originator DTI calculation, but calculated DTI considering XXXX% of outstanding balance. Hence DTI is crossing the Guideline DTI of XXXX% md DTI discrepancy of > XXXX%. - Due Diligence Vendor-05/08/2025

Ready for Review-Document Uploaded. - Seller-05/20/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

Resolved-Audited DTI of XXXX% is less than or equal to Guideline DTI ofXXXX% - Due Diligence Vendor-05/27/2025
Resolved-Guideline review successfully run. Resolved - Due Diligence Vendor-05/22/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4079110

N/A

XXXX

xxxxxx1587

Closed

2025-05-04 07:41

2025-05-13 16:25

Resolved

1 - Information

Compliance

TRID Tolerance

Fees: Limited

Resolved-Resolved - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. - Seller-05/09/2025
Open-The total amount of the XXXX% category fees ($XXXX) has increased by more than XXXX% over the current baseline value of ($XXXX). The total amount of fees in the XXXX% category cannot exceed ($XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (XXXX). Any increase to an existing fee and/or the addition of a new fee that causes the XXXX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XXXX(e)(3)(ii); XXXX(e)(3)(iv)). Recording Fees – Mortgage/Deed of Trust increased from Revised CD ($XXXX) to Final CD ($XXXX) paid by Others. Provide COC for the same. - Due Diligence Vendor-05/04/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

Resolved-Resolved - Due Diligence Vendor-05/13/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4037624

N/A

XXXX

xxxxxx1254

Closed

2025-05-05 09:24

2025-05-12 15:19

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present with updated income. - Due Diligence Vendor-05/12/2025
Ready for Review-Document Uploaded. - Seller-05/09/2025
Open-The Final 1003 is Incomplete Final 1003 reflects incorrect income, calculated income is $XXXX whereas 1003 reflects $XXXX. Provide updated 1003 - Due Diligence Vendor-05/05/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

Resolved-The Final 1003 is Present with updated income. - Due Diligence Vendor-05/12/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4039978

N/A

XXXX

xxxxxx5487

Closed

2025-05-05 14:13

2025-05-15 10:09

Resolved

1 - Information

Property

Appraisal

Property/Appraisal General

Resolved-Updated Appraisal with corrected county name uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025
Ready for Review-Document Uploaded. - Seller-05/14/2025
Open-County difference in Appraisal, appraisal report showing XXXX whereas Title legal description showing XXXX. - Due Diligence Vendor-05/05/2025

Ready for Review-Document Uploaded. - Seller-05/14/2025

Resolved-Updated Appraisal with corrected county name uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-05/15/2025

XXXX

Primary Residence

Purchase

4042246

N/A

XXXX

xxxxxx1288

Closed

2025-05-07 04:03

2025-05-19 14:11

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved- - Due Diligence Vendor-05/19/2025
Ready for Review-Document Uploaded. - Seller-05/15/2025
Open-Final 1003 with updated borrower information is not signed and dated. - Due Diligence Vendor-05/13/2025
Open- - Due Diligence Vendor-05/13/2025
Resolved- - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. - Seller-05/09/2025
Open-The Final 1003 is Missing Provided updated final 1003 as the provided one on page XXXX, Position and start date and years in industry not provided for the business XXXX XXXX. - Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. - Seller-05/15/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4064954

N/A

XXXX

xxxxxx1288

Closed

2025-05-07 06:57

2025-05-13 16:09

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved- - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. - Seller-05/09/2025
Open-DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 36.68% but Originator DTI is 40.92% as per loan program pageXXXX. Variance is 4.24 due to the difference in income and all other monthly payment, our calculated income is $XXXX and Rental income is $XXXX (XXXX = $XXXX) total income is $XXXX+XXXX=$XXXX whereas as per 1008 page XXXX income reflecting $XXXX and our calculated all other monthly payment is $XXXX whereas as per 1008 all other monthly payment is $XXXX and 1008 reflecting HOA amount of $XXXX whereas as per appraisal page 55 there is no HOA amount.
- Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4065632

N/A

XXXX

xxxxxx1288

Closed

2025-05-07 06:34

2025-05-13 16:08

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. - Seller-05/09/2025
Open-The 1008 document is missing from the loan file. Provide updated 1008 as there is DTI difference, DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 36.68% but Originator DTI is 40.92% as per loan program page XXXX. Variance is 4.24 due to the difference in income and all other monthly payment,
1.Our calculated income is $XXXX and Rental income is $XXXX (XXXX = $XXXX) total income is $XXXX+XXXX=$XXXX whereas as per 1008-page XXXX income reflecting $XXXX
2.Our calculated all other monthly payment is $XXXX whereas as per 1008 all other monthly payment is $XXXX
3.1008 reflecting HOA amount of $XXXX whereas as per appraisal page 55 there is no HOA amount.
- Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4065563

N/A

XXXX

xxxxxx1288

Closed

2025-05-07 06:32

2025-05-13 15:28

Resolved

1 - Information

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/13/2025
Resolved- - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. - Seller-05/09/2025
Open-The Initial 1003 is Missing Provide updated initial 1003 as the provided one on page XXXXLO signed on XXXX whereas borrower signed on XXXX - Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/13/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4065501

N/A

XXXX

xxxxxx1288

Closed

2025-05-07 07:23

2025-05-13 15:19

Resolved

1 - Information

Compliance

Missing Doc

Missing Service Provider List

Resolved- - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. - Seller-05/12/2025
Open-Provide Service Provider's List as its missing from the file as per final CD addressing all Title fees in XXXX - Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. - Seller-05/12/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4065701

N/A

XXXX

xxxxxx1288

Closed

2025-05-07 04:23

2025-05-13 11:51

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. - Seller-05/12/2025
Open-Title Coverage Amount of $XXXX is Less than Loan Amount Preliminary Title and the Amended Preliminary coverage is $XXXX with the loan amount of $XXXX.
- Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. - Seller-05/12/2025

Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/13/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4065003

N/A

XXXX

xxxxxx1288

Closed

2025-05-07 06:05

2025-05-12 09:26

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-05/12/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

Open-Missing Third Party Fraud Report Provide Fraud report as its missing in file. - Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. - Seller-05/09/2025

Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-05/12/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4065283

N/A

XXXX

xxxxxx1288

Closed

2025-05-07 05:40

2025-05-12 09:25

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard insurance prior to closing provided, Verified - Resolved - Due Diligence Vendor-05/12/2025
Ready for Review-Document Uploaded. The HOI effective date of XXXX is from the renewal policy. Attached the current policy. - Seller-05/09/2025
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is after the closing date of XXXX, Provide Hazard insurance prior to closing.
- Due Diligence Vendor-05/07/2025

Ready for Review-Document Uploaded. The HOI effective date of XXXX is from the renewal policy. Attached the current policy. - Seller-05/09/2025

Resolved-Hazard insurance prior to closing provided, Verified - Resolved - Due Diligence Vendor-05/12/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4065202

N/A

XXXX

xxxxxx9511

Closed

2025-05-07 09:44

2025-05-12 09:03

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Ready for Review-Document Uploaded. - Seller-05/09/2025

Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-05/12/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4066018

N/A

XXXX

xxxxxx1705

Closed

2025-05-08 18:30

2025-05-20 16:59

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025
Ready for Review-Document Uploaded. HTI updated/corrected to match 1.24%; however, the DTI is reflecting 18.561 due to other property negative cashflow as $XXXX (not the XXXX listed in box to the left). See updated 1008 attached - Seller-05/14/2025
Counter-The 1008 in file shows First Mortgage P&I of $XXXX and All Other Monthly Payments Used in Qualifying of $XXXX. The audited Total Primary Housing Expense - $XXXX (escrowed for taxes and ins) + HOA $XXXX = $XXXX. The $XXXX payment is the Mortgage Payment for an Investment Property as per the Final 1003.
- Due Diligence Vendor-05/13/2025
Ready for Review-The correct 1008 is in the file as the DTI reflects XXXX and matches Encompass. It appears they may be off with the present housing payment as we have $XXXX (P&I) plus $XXXX on the other expenses. - Seller-05/13/2025
Open-The 1008 document is missing from the loan file. Incorrect HTI and DTI are listed on the 1008. The calculated HTI is 1.24% (B1 Present Housing payment $XXXX / Income $XXXX), and the calculated DTI is 11.19% (B1 Present Housing payment $XXXX + all other monthly payments $XXXX + Subject Property PITI $XXXX + other property negative cash flow $XXXX / Income $XXXX), whereas the 1008 reflects an HTI of 1.92% and a DTI of 19.08%. Provide the updated 1008 document.
- Due Diligence Vendor-05/08/2025

Ready for Review-Document Uploaded. HTI updated/corrected to match 1.24%; however, the DTI is reflecting 18.561 due to other property negative cashflow as $XXXX (not the XXXX listed in box to the left). See updated 1008 attached - Seller-05/14/2025
Ready for Review-The correct 1008 is in the file as the DTI reflects 1.922/19.086 and matches Encompass. It appears they may be off with the present housing payment as we have $XXXX (P&I) plus $XXXX on the other expenses. - Seller-05/13/2025

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/16/2025

XXXX

Second Home

Purchase

4085020

N/A

XXXX

xxxxxx1705

Closed

2025-05-16 16:20

2025-05-20 16:57

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-05/20/2025
Ready for Review-Document Uploaded. XXXX originally issued a 1008 based on a conservative approach to the DTI. We included negative rental loss from properties owned in the name ofXXXX business that were not reflected on his personal credit report in order to account for the overall risk of the larger loan amount. Due to this higher DTI not matching the 1003 with the actual personal property negative rent loss, it created a mismatch between the 1003 and 1008. The negative rent for properties owned by the business have been removed and the 1008 provided matches the 1003 and TPR calculation. - Seller-05/19/2025
Open-The Final 1003 is Incomplete The Final 1003 does not reflect the Rental Income in the REO section of the Investment properties. There is a DTI difference. The Final 1003 reflects $XXXX negative cash flow and the 1008 shows $XXXX in negative cash flow. Requesting updated Final 1003. - Due Diligence Vendor-05/16/2025

Ready for Review-Document Uploaded. XXXX originally issued a 1008 based on a conservative approach to the DTI. We included negative rental loss from properties owned in the name of XXXX business that were not reflected on his personal credit report in order to account for the overall risk of the larger loan amount. Due to this higher DTI not matching the 1003 with the actual personal property negative rent loss, it created a mismatch between the 1003 and 1008. The negative rent for properties owned by the business have been removed and the 1008 provided matches the 1003 and TPR calculation. - Seller-05/19/2025

Resolved-The Final 1003 is Present - Due Diligence Vendor-05/20/2025

XXXX

Second Home

Purchase

4164948

N/A

XXXX

xxxxxx1705

Closed

2025-05-08 18:38

2025-05-16 15:55

Resolved

1 - Information

Property

Value

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

Resolved-CCA (Consolidated Collateral Analysis) provided and updated to file.  - Due Diligence Vendor-05/16/2025
Ready for Review-Document Uploaded.  - Seller-05/16/2025
Counter-As per guidelines XXXX page XXXX, for loan amount >XXXX, XXXX (Appraisal Risk Review) or CCA (Consolidated Collateral Analysis) is required on the lower valued appraisal regardless of the SSR score. The ARR (Appraisal Risk Review) or CCA (Consolidated Collateral Analysis) on the lower value appraisal is missing.  - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. This was underwritten with the previous matrix dated XXXX which required 2 appraisals on loan amounts over $XXXX mil and did not require a CDA.  Attached are the two different appraisals. - Seller-05/13/2025
Open-As per G/L, for loan amount >XXXX, ARR (Appraisal Risk Review) or CCA (Consolidated Collateral Analysis) is required on the lower valued appraisal regardless of the SSR score. The ARR (Appraisal Risk Review) or CCA (Consolidated Collateral Analysis) on the lower value appraisal is missing.  - Due Diligence Vendor-05/08/2025

Ready for Review-Document Uploaded. - Seller-05/16/2025
Ready for Review-Document Uploaded. This was underwritten with the previous matrix dated 2/14/25 which required 2 appraisals on loan amounts over $XXXX mil and did not require a CDA. Attached are the two different appraisals. - Seller-05/13/2025

Resolved-CCA (Consolidated Collateral Analysis) provided and updated to file. - Due Diligence Vendor-05/16/2025

XXXX

Second Home

Purchase

4085105

N/A

XXXX

xxxxxx1705

Closed

2025-05-08 15:57

2025-05-16 15:53

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 YTD Profit & Loss Missing

Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-05/16/2025
Ready for Review-Per the guidelines referenced in section XXXX from XXXX it states “Provide a 12-Month Profit and Loss (P&L) Statement from a CPA, Enrolled Agent, or Properly Licensed Accounting/Bookkeeping Firm supervised by a Certified Accountant with 3 Months Bank Statements”    Please note that it does not state the CPA must audit the 12 month P&L.   This copy of the 12 month P&L is not signed by XXXX as it is a different P&L for the full 12 month timeframe through  XXXX.   The CPA does acknowledge that while it was prepared by management, it was in accordance with accounting principles generally accepted in theXXXX.   They also state they have performed a compilation engagement in accordance with statements on standards for Accounting and Review Services promulgated by the Accounting and Review Services Committee of the AICPA.   They were not required to express an opinion on the financial statement.  Per our guides they were required to provide it. - Seller-05/14/2025
Counter-The P&L statement attached dated XXXX is signed by the borrower and not audited by CPA. The CPA letter attached to the P&L statement dated XXXX states the Financial Statement provided by "Management" was not reviewed or audited and information provided in P&L statement is not verified for accuracy. The CPA firm letter also states that management provided the Financial Statement, however as per guidelines XXXX XXXX Provide a 12-Month Profit and Loss (P&L) Statement from a CPA, Enrolled Agent, or Properly Licensed Accounting/Bookkeeping Firm supervised by a Certified Accountant.  - Due Diligence Vendor-05/13/2025
Ready for Review-Document Uploaded. Please our UW, the P&Ls were in file.  Attaching here also. - Seller-05/13/2025
Open-Borrower 1 YTD Profit & Loss Missing As per G/L, Provide a 12-Month Profit and Loss (P&L) Statement from a CPA, Enrolled Agent, or Properly Licensed Accounting/Bookkeeping Firm supervised by a Certified Accountant - Due Diligence Vendor-05/08/2025

Ready for Review-Per the guidelines referenced in section XXXX from XXXX it states “Provide a 12-Month Profit and Loss (P&L) Statement from a CPA, Enrolled Agent, or Properly Licensed Accounting/Bookkeeping Firm supervised by a Certified Accountant with 3 Months Bank Statements” Please note that it does not state the CPA must audit the 12 month P&L. This copy of the 12 month P&L is not signed by XXXX as it is a different P&L for the full 12 month timeframe through XXXX. The CPA does acknowledge that while it was prepared by management, it was in accordance with accounting principles generally accepted in theXXXX. They also state they have performed a compilation engagement in accordance with statements on standards for Accounting and Review Services promulgated by the Accounting and Review Services Committee of the AICPA. They were not required to express an opinion on the financial statement. Per our guides they were required to provide it. - Seller-05/14/2025
Ready for Review-Document Uploaded. Please our UW, the P&Ls were in file. Attaching here also. - Seller-05/13/2025

Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-05/16/2025

XXXX

Second Home

Purchase

4082775

N/A

XXXX

xxxxxx0195

Closed

2025-05-15 14:48

2025-05-22 18:26

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-05/22/2025
Ready for Review-Document Uploaded. - Seller-05/20/2025
Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXXX)(3); XXXX(e)(4); XXXX(v)). Provide COC for the increase broker fee of $XXXX to $XXXX from the revised LE dated XXXX to the initial CD dated XXXX. The COC provided does not account for the increased broker fee. - Due Diligence Vendor-05/15/2025

Ready for Review-Document Uploaded. - Seller-05/20/2025

Resolved-Resolved - Due Diligence Vendor-05/22/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4150059

N/A

XXXX

xxxxxx0195

Closed

2025-05-15 18:05

2025-05-22 18:24

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-05/22/2025
Resolved- - Due Diligence Vendor-05/22/2025
Ready for Review-Document Uploaded. - Seller-05/20/2025
Open-The Final 1003 is Incomplete The borrower has an ownership share of more than XXXX% in the business, but on the Final 1003 in 1b. Current Employment, "I have an ownership share of XXXX% or more" is not marked. Provide the updated Final 1003.
- Due Diligence Vendor-05/15/2025

Ready for Review-Document Uploaded. - Seller-05/20/2025

Resolved-The Final 1003 is Present - Due Diligence Vendor-05/22/2025

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

4153891

N/A

XXXX

xxxxxx5429

Closed

2025-05-22 16:09

2025-05-28 13:43

Resolved

1 - Information

Credit

Title

Property Title Issue

Resolved-Final title policy does not show Title commitment requirement #8, Resolved. - Due Diligence Vendor-05/28/2025
Ready for Review-Document Uploaded. - Seller-05/27/2025
Open-Property Title Issue Final title policy, Supplement or Settlement Statement documentation Preliminary Title report Schedule B #XXXX Judgment paid/removed from Final title policy. - Due Diligence Vendor-05/22/2025

Ready for Review-Document Uploaded. - Seller-05/27/2025

Resolved-Final title policy does not show Title commitment requirement #XXXX, Resolved. - Due Diligence Vendor-05/28/2025

XXXX

Primary Residence

Purchase

4216153

N/A

XXXX

xxxxxx5429

Closed

2025-05-19 09:03

2025-05-27 12:08

Resolved

1 - Information

Compliance

Disclosure

Missing PCCD.

Resolved-PCCD uploaded with Gift & other credits, verified & entered in system - Resolved. - Due Diligence Vendor-05/27/2025
Ready for Review-Document Uploaded. - Seller-05/23/2025
Open-Provide XXXX to reflect the gift funds of $XXXX - Due Diligence Vendor-05/19/2025

Ready for Review-Document Uploaded. - Seller-05/23/2025

Resolved-XXXX uploaded with Gift & other credits, verified & entered in system - Resolved. - Due Diligence Vendor-05/27/2025

XXXX

Primary Residence

Purchase

4175333

N/A

XXXX

xxxxxx5429

Closed

2025-05-19 08:03

2025-05-27 12:04

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is covers the uploaded PCCD Disbursement Date of XXXX - Resolved. - Due Diligence Vendor-05/27/2025
Ready for Review-Document Uploaded. - Seller-05/23/2025
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is after the Disbursement date ofXXXX - Due Diligence Vendor-05/19/2025

Ready for Review-Document Uploaded. - Seller-05/23/2025

XXXX

Primary Residence

Purchase

4175199

N/A

XXXX

xxxxxx5429

Closed

2025-05-19 07:38

2025-05-27 11:47

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Executed 4506-T Missing

Resolved-XXXX Executed 4506-T Provided - Resolved. - Due Diligence Vendor-05/27/2025
Resolved-XXXX Executed XXXX Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/27/2025
Ready for Review-Document Uploaded. - Seller-05/23/2025
Open-XXXX Executed XXXX Missing Provide XXXX Executed v, Missing in File - Due Diligence Vendor-05/19/2025

Ready for Review-Document Uploaded. - Seller-05/23/2025

Resolved-XXXX Executed XXXX Provided - Resolved. - Due Diligence Vendor-05/27/2025
Resolved-XXXX Executed XXXX Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/27/2025

XXXX

Primary Residence

Purchase

4175156

N/A

Loan ID

Seller Loan ID

Investor Loan ID

Note Date

Original Loan Amount

Sales Price

Total Adjusted Prior Purchase Price

Primary Appraised Value

Primary Appraisal Date

Primary Appraisal Type

Value for LTV

LTV

CLTV

Loan Reviewed Property Value

Loan Reviewed Variance Amount

Loan Reviewed Variance Percent

Loan Reviewed Product Type

Loan Post-Close Reviewed Property Value

Loan Post-Close Reviewed Variance Amount

Loan Post-Close Reviewed Variance Percent

Loan Post-Close Reviewed Product Type

Second Appraisal Value

Second Appraisal Variance Amount

Second Appraisal Variance Percent

Second Appraisal Date

Second Appraisal Type

AVM Appraised Value

AVM Variance Amount

AVM Variance Percent

AVM Confidence Score

FSD Score

AVM Company Name

AVM Product Name

AVM Appraisal Date

Desk Review Appraised Value

Desk Review Variance Amount

Desk Review Variance Percent

Desk Review Company

Desk Review Risk Score

Desk Review Appraisal Date

Desk Top Appraised Value

Desk Top Variance Amount

Desk Top Variance Percent

Desk Top Company

Desk Top Appraisal Date

BPO Appraised Value

BPO Variance Amount

BPO Variance Percent

BPO Company

BPO Appraisal Date

Field Review Appraised Value

Field Review Variance Amount

Field Review Variance Percent

Field Review Company

Field Review Appraisal Date

2055 Appraised Value

2055 Variance Amount

2055 Variance Percent

2055 Company

2055 Appraisal Date

AVE/CMA Appraised Value

AVE/CMA Variance Amount

AVE/CMA Variance Percent

AVE/CMA Company

AVE/CMA Appraisal Date

Completion Report (1004D) Date

Other Appraised Value

Other Variance Amount

Other Variance Percent

Other Appraisal Date

Updated Appraised Value

Updated Variance Amount

Updated Variance Percent

Updated Company

Updated Appraisal Date

Updated Appraisal Type

Loan Collateral Advisor Risk Score

Loan Collateral Advisor Risk Score Date

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

Collateral Underwriter Risk Score

Collateral Underwriter Risk Score Date

xxxxxx2568

XXXX

1004 URAR

XXXX

84.95

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

1.6

XXXX

xxxxxx4439

XXXX

1004 URAR

XXXX

85.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

1.8

XXXX

xxxxxx4263

XXXX

1004 URAR

XXXX

90.0

XXXX

32000

XXXX

Collateral Underwriter (CU)

XXXX

32000

XXXX

1004 URAR

XXXX

Eligible

1.8

XXXX

xxxxxx8490

XXXX

1004 URAR

XXXX

18.52

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx4807

XXXX

1004 URAR

XXXX

90.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

2.3

XXXX

xxxxxx6614

XXXX

1004 URAR

XXXX

90.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

1.4

XXXX

xxxxxx1201

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx2274

XXXX

1004 URAR

XXXX

60.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx1955

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx1097

XXXX

1004 URAR

XXXX

68.7

XXXX

-20000

XXXX

2000 One Unit Appraisal Field Review

XXXX

-.0364

XXXX

xxxxxx5311

XXXX

1004 URAR

XXXX

86.96

XXXX

Desk Review

XXXX

Low

XXXX

1.7

XXXX

xxxxxx0305

XXXX

1004 URAR

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

2.5

XXXX

xxxxx1346

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

1.3

XXXX

xxxxx1375

XXXX

1004 URAR

XXXX

70.0

XXXX

Collateral Underwriter (CU)

XXXX

2.5

XXXX

xxxxxx8521

XXXX

1004 URAR

XXXX

78.13

XXXX

Desk Review

XXXX

Low Risk

XXXX

Not Eligible

2.8

XXXX

xxxxx0180

XXXX

1025 Small Residential Income Report

XXXX

85.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxx1365

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx0082

XXXX

1004 URAR

XXXX

69.99

XXXX

-100

XXXX

Desk Review

XXXX

-100

XXXX

Low Risk

XXXX

xxxxxx0220

XXXX

1073 Individual Condo Report

XXXX

70.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx9585

XXXX

1004 URAR

XXXX

79.37

XXXX

Desk Review

XXXX

Low Risk

XXXX

Not Eligible

2.9

XXXX

xxxxxx9101

XXXX

1004 URAR

XXXX

80.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

1.5

XXXX

Eligible

XXXX

xxxxxx1602

XXXX

1073 Individual Condo Report

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx9662

XXXX

1025 Small Residential Income Report

XXXX

70.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx6822

XXXX

1004 URAR

XXXX

75.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx3246

XXXX

1025 Small Residential Income Report

XXXX

70.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx9270

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx7139

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

2.6

XXXX

xxxxxx2866

XXXX

1004 URAR

XXXX

90.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

2.5

XXXX

Eligible

XXXX

xxxxxx0623

XXXX

1004 URAR

XXXX

70.0

XXXX

Collateral Underwriter (CU)

XXXX

1.4

XXXX

xxxxxx9988

XXXX

1004 URAR

XXXX

56.43

XXXX

Collateral Underwriter (CU)

XXXX

2.5

XXXX

xxxxxx0668

XXXX

1004 URAR

XXXX

70.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx0954

XXXX

1004 URAR

XXXX

85.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx2222

XXXX

1004 URAR

XXXX

90.0

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx0515

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx1104

XXXX

1004 URAR

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

3.2

XXXX

xxxxxx1557

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx9626

XXXX

1004 URAR

XXXX

45.45

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx1803

XXXX

1004 URAR

XXXX

57.14

XXXX

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx0147

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx1134

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx1657

XXXX

1004 URAR

XXXX

75.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

3.9

XXXX

xxxxxx0639

XXXX

1004 URAR

XXXX

60.0

XXXX

Collateral Underwriter (CU)

XXXX

1.1

XXXX

xxxxxx1028

XXXX

1004 URAR

XXXX

63.94

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

xxxxxx9684

XXXX

1004 URAR

XXXX

80.0

XXXX

-150000

XXXX

Desk Review

XXXX

-150000

XXXX

Moderate Risk

XXXX

xxxxxx2409

XXXX

1004 URAR

XXXX

69.6

XXXX

Collateral Underwriter (CU)

XXXX

1.7

XXXX

xxxxxx1882

XXXX

1004 URAR

XXXX

25.22

XXXX

Collateral Underwriter (CU)

XXXX

2.1

XXXX

xxxxxx9189

XXXX

1004 URAR

XXXX

49.3

XXXX

Collateral Underwriter (CU)

XXXX

1.1

XXXX

xxxxxx8316

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx1153

XXXX

1025 Small Residential Income Report

XXXX

80.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

xxxxxx1005

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

1.1

XXXX

xxxxxx0995

XXXX

1004 URAR

XXXX

53.79

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx0401

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx0909

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx9505

XXXX

1004 URAR

XXXX

73.68

XXXX

Desk Review

XXXX

Low

XXXX

Not Eligible

XXXX

xxxxxx9839

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

No Risk Score Noted

XXXX

Not Eligible

2.6

XXXX

xxxxxx9181

XXXX

1073 Individual Condo Report

XXXX

70.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

xxxxxx8984

XXXX

1004 URAR

XXXX

60.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx1007

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

LOW RISK

XXXX

Not Eligible

4.2

XXXX

xxxxxx9140

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

Reasonable

XXXX

Eligible

4.4

XXXX

xxxxxx1683

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx9328

XXXX

1004 URAR

XXXX

70.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

2.4

XXXX

xxxxxx0439

XXXX

1004 URAR

XXXX

68.35

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

2.5

XXXX

xxxxxx9614

XXXX

1004 URAR

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx5644

XXXX

1004 URAR

XXXX

78.18

XXXX

-25000

XXXX

Desk Review

XXXX

-25000

XXXX

No Score Noted

XXXX

Not Eligible

2.9

XXXX

xxxxxx0737

XXXX

1004 URAR

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx9793

XXXX

1004 URAR

XXXX

41.53

XXXX

Collateral Underwriter (CU)

XXXX

2005000

XXXX

1004 URAR

XXXX

Not Eligible

4.4

XXXX

xxxxxx8452

XXXX

1004 URAR

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

2.5

XXXX

xxxxxx1261

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx9931

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx0038

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

Desk Review

XXXX

Reasonable

XXXX

Not Eligible

XXXX

xxxxxx0304

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

LOW RISK

XXXX

Eligible

2.7

XXXX

xxxxxx7276

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx7986

XXXX

1004 URAR

XXXX

76.49

XXXX

Desk Review

XXXX

Low

XXXX

Not Eligible

3.1

XXXX

xxxxxx0941

XXXX

1004 URAR

XXXX

48.19

XXXX

Desk Review

XXXX

Low

XXXX

Not Eligible

3.5

XXXX

xxxxxx0881

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx9621

XXXX

1073 Individual Condo Report

XXXX

70.0

XXXX

Desk Review

XXXX

REASONABLE

XXXX

Not Eligible

3.3

XXXX

xxxxxx0985

XXXX

1004 URAR

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

2.2

XXXX

xxxxxx1339

XXXX

1004 URAR

XXXX

56.61

XXXX

Desk Review

XXXX

Low Risk

XXXX

Eligible

XXXX

xxxxxx0892

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx0245

XXXX

1004 URAR

XXXX

72.11

XXXX

Collateral Underwriter (CU)

XXXX

-5000

XXXX

Moderate Risk

XXXX

Not Eligible

2.1

XXXX

xxxxxx9556

XXXX

1004 URAR

XXXX

64.75

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx7417

XXXX

1004 URAR

XXXX

75.0

XXXX

Desk Review

XXXX

Reasonable

XXXX

Not Eligible

2.8

XXXX

xxxxxx1858

XXXX

1004 URAR

XXXX

72.29

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx9358

XXXX

1004 URAR

XXXX

78.55

XXXX

Desk Review

XXXX

No Risk Score Noted

XXXX

Not Eligible

3.5

XXXX

xxxxxx1939

XXXX

1004 URAR

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

1.1

XXXX

xxxxxx1188

XXXX

1004 URAR

XXXX

54.57

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

1.3

XXXX

xxxxxx9956

XXXX

1073 Individual Condo Report

XXXX

67.81

XXXX

Desk Review

XXXX

Low Risk

XXXX

Not Eligible

XXXX

xxxxxx1651

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

Low

XXXX

Not Eligible

2.8

XXXX

xxxxxx1073

XXXX

1004 URAR

XXXX

75.0

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx1977

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx9802

XXXX

1004 URAR

XXXX

36.92

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx1331

XXXX

1004 URAR

XXXX

69.57

XXXX

Desk Review

XXXX

LOW RISK

XXXX

Eligible

XXXX

xxxxxx9436

XXXX

1025 Small Residential Income Report

XXXX

65.3

XXXX

Desk Review

XXXX

Low

XXXX

Not Eligible

XXXX

xxxxxx1722

XXXX

1004 URAR

XXXX

60.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx9952

XXXX

1004 URAR

XXXX

78.13

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx1724

XXXX

1025 Small Residential Income Report

XXXX

70.0

XXXX

Desk Review

XXXX

No Risk Score Noted

XXXX

Not Eligible

XXXX

xxxxxx1806

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx1004

XXXX

1004 URAR

XXXX

36.72

XXXX

Desk Review

XXXX

Low Risk

XXXX

Not Eligible

1.5

XXXX

xxxxxx1677

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

Eligible

2.7

XXXX

xxxxxx0287

XXXX

1004 URAR

XXXX

71.13

XXXX

Desk Review

XXXX

40000

XXXX

1004 URAR

XXXX

Low

XXXX

Not Eligible

XXXX

xxxxxx1751

XXXX

1004 URAR

XXXX

60.0

XXXX

Desk Review

XXXX

MODERATE RISK

XXXX

Not Eligible

3.2

XXXX

xxxxxx9513

XXXX

1004 URAR

XXXX

65.0

XXXX

Desk Review

XXXX

Low Risk

XXXX

xxxxxx1159

XXXX

1004 URAR

XXXX

70.0

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

xxxxxx9297

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

8000

XXXX

1004 URAR

XXXX

REASONABLE

XXXX

Eligible

XXXX

xxxxxx0736

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

Excellent

XXXX

Not Eligible

2.7

XXXX

xxxxxx1437

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

No Risk Score Noted

XXXX

Eligible

1.7

XXXX

xxxxxx1250

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx1587

XXXX

1004 URAR

XXXX

70.0

XXXX

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

xxxxxx1254

XXXX

1004 URAR

XXXX

71.3

XXXX

-15000

XXXX

Desk Review

XXXX

-15000

XXXX

No Risk Score Noted

XXXX

Eligible

2.6

XXXX

xxxxxx5487

XXXX

1004 URAR

XXXX

78.61

XXXX

Desk Review

XXXX

REASONABLE

XXXX

Not Eligible

4.6

XXXX

xxxxxx1288

XXXX

1004 URAR

XXXX

67.31

XXXX

Collateral Underwriter (CU)

XXXX

562000

XXXX

1004 URAR

XXXX

Not Eligible

4.3

XXXX

xxxxxx9511

XXXX

1004 URAR

XXXX

55.65

XXXX

Desk Review

XXXX

Moderate Risk

XXXX

Eligible

2.6

XXXX

xxxxxx1705

XXXX

1004 URAR

XXXX

65.0

XXXX

25000

XXXX

Collateral Underwriter (CU)

XXXX

Desk Review

XXXX

25000

XXXX

1004 URAR

XXXX

No Risk Score Noted

XXXX

Not Eligible

4.7

XXXX

xxxxxx0195

XXXX

1004 URAR

XXXX

78.66

XXXX

Collateral Underwriter (CU)

XXXX

Not Eligible

XXXX

xxxxxx4504

XXXX

1004 URAR

XXXX

75.0

XXXX

95000

XXXX

Desk Review

XXXX

95000

XXXX

REASONABLE

XXXX

Not Eligible

1.9

XXXX

xxxxxx4955

XXXX

1004 URAR

XXXX

80.0

XXXX

Desk Review

XXXX

Excellent

XXXX

2.6

XXXX

xxxxxx5429

XXXX

1004 URAR

XXXX

80.0

XXXX

Collateral Underwriter (CU)

XXXX

xxxxxx8406

XXXX

1004 URAR

XXXX

90.0

XXXX

Desk Review

XXXX

No Risk Score Noted

XXXX

3.1

XXXX

Seller Loan ID

Loan ID

Investor Loan ID

Lender Name

Transaction ID

ULI

Borrower 1 First Name

Borrower 1 Last Name

Borrower 1 SSN

Borrower 1 Birthdate

Borrower 1 Gender

Borrower 1 Ethnicity

Borrower 1 Race

Borrower 1 Citizen

Borrower 1 Self-Employment Flag

Borrower 1 FTHB

Borrower 1 FICO Date

Borrower 1 Origination FICO

Borrower 1 Origination Equifax

Borrower 1 Origination Experian

Borrower 1 Origination TransUnion

Borrower 2 First Name

Borrower 2 Last Name

Borrower 2 SSN

Borrower 2 Birthdate

Borrower 2 Gender

Borrower 2 Ethnicity

Borrower 2 Race

Borrower 2 Citizen

Borrower 2 Self-Employment Flag

Borrower 2 FTHB

Borrower 2 FICO Date

Borrower 2 Origination FICO

Borrower 2 Origination Equifax

Borrower 2 Origination Experian

Borrower 2 Origination TransUnion

Borrower 3 First Name

Borrower 3 Last Name

Borrower 3 SSN

Borrower 3 Birthdate

Borrower 3 Gender

Borrower 3 Ethnicity

Borrower 3 Race

Borrower 3 Citizen

Borrower 3 Self-Employment Flag

Borrower 3 FTHB

Borrower 3 FICO Date

Borrower 3 Origination FICO

Borrower 3 Origination Equifax

Borrower 3 Origination Experian

Borrower 3 Origination TransUnion

Borrower 4 First Name

Borrower 4 Last Name

Borrower 4 SSN

Borrower 4 Birthdate

Borrower 4 Gender

Borrower 4 Ethnicity

Borrower 4 Race

Borrower 4 Citizen

Borrower 4 Self-Employment Flag

Borrower 4 FTHB

Borrower 4 FICO Date

Borrower 4 Origination FICO

Borrower 4 Origination Equifax

Borrower 4 Origination Experian

Borrower 4 Origination TransUnion

Subject Address

Subject City

Subject Sate

Subject Zip Code

Subject County

Originator Doc Type

Occupancy

Loan Purpose

Refinance Type

Qualifying Front End DTI

Qualifying DTI

Borrower 1 Qualifying Income

Borrower 2 Qualifying Income

Borrower 3 Qualifying Income

Borrower 4 Qualifying Income

All Borrower Total Qualifying Income

Borrower 1 Employment Status

Borrower 2 Employment Status

Borrower 3 Employment Status

Borrower 4 Employment Status

Borrower 1 Length of Employment

Borrower 2 Length of Employment

Borrower 3 Length of Employment

Borrower 4 Length of Employment

4506-T Flag

All Borrower Residual Income

All Borrower Monthly Debt

Escrow Flag

Months Reserves

Liquid Cash Reserves

Original Note Loan Amount

Original Qualifying Loan Amount

Original Qualifying Base LTV

Original Qualifying LTV

Original Qualifying CLTV

Application Date

Note Date

Cash Disbursement Date

Mortgage Type

Loan Product

Loan Program

Original Note Interest Rate

Original Qualifying Interest Rate

Original P&I Payment

Original Qualifying P&I Payment

Monthly Escrow Payment

Original Total Housing Expense (PITIA)

First Payment Date

Amortization Type

Original Amortization Term

Original Term to Maturity

Maturity Date

ARM Gross Margin

ARM Rounding Method

ARM Rounding Factor

ARM Lookback Days

ARM Rate Index Type

Origination ARM Rate Index Value

ARM Initial Interest Rate Cap

ARM Subsequent Interest Rate Cap

ARM Initial Interest Rate Floor

ARM Lifetime Interest Rate Floor

ARM Initial Interest Rate Maximum

ARM Lifetime Interest Rate Maximum

ARM First Rate Reset Date

ARM First Payment Reset Date

ARM Subsequent Interest Rate Reset Frequency

ARM Subsequent Payment Reset Frequency

Interest Only Flag

Original Interest Only Term

Balloon Flag

Buydown Flag

Assumable Flag

Prepayment Penalty Flag

Prepayment Penalty Total Term

Prepayment Penalty Type

Origination Channel

PMI Flag

MI Certificate Number

Mortgage Insurance Percent

Mortgage Insurance Type

Mortgage Insurance Company Name

MERS MOM Flag

MERS Loan ID

Property Type

Number of Units

Year Built

Primary Value Property Valuation Date

Primary Value Property Valuation Type

Primary Value Property Value

Secondary Value Property Valuation Date

Secondary Value Property Form Type

Secondary Value Property Value

Sales Price

Qualifying Property Value

Date of Prior Sale

Days Since Prior Sale

Total Adjusted Prior Purchase Price

Flood Zone Flag

Flood Zone Code

Flood Policy Number

Other Lien Amount

Other Lien Position

Originator QM Status

Final QM Status

Total Number of Borrowers

Cash Out Amount

Total Origination and Discount Points

Number of Mortgaged Properties

Credit Report: Max Trade Line

Credit Report: Longest Trade Line

Credit Report: Number of Trade Lines

Credit Line Usage Ratio

Borrower 1 Years in Home

GSE Eligible Flag

AUS Case Number

AUS Recommendation

QM Points and Fees

Annual Percent Rate (APR)

Higher Priced Mortgage Loan (HPML) Flag

Covered/High Cost Loan Flag

Guideline Name

UW Guideline Author

Blanket Mortgage Flag

xxxxxx2568

XXXX

Undocumented Non-US Citizen

Yes

true

XXXX

735

633

736

735

XXXX

ALT DOC

Primary Residence

Purchase

34.21

36.14

11137.20

.00

11137.20

Employed

3.46

7112.14

4025.06

Taxes and Insurance

12.6

47991.43

XXXX

84.95

XXXX

Conventional

Fixed

XXXX

9.25

3179.64

630.42

3810.06

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

3927.5

4900

0.5882162162162162

0.5

N/A

Manual Underwriting

Yes

XXXX

xxxxxx4439

XXXX

US Citizen

Yes

true

XXXX

691

696

687

691

XXXX

ALT DOC

Primary Residence

Purchase

20.7

31.74

23883.98

.00

23883.98

Employed

4.59

16535.88

7581.1

Taxes and Insurance

12.79

63202.26

XXXX

85.0

XXXX

Conventional

Fixed

XXXX

9.125

3457.94

1252.16

4943.1

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

60380

N/A

Manual Underwriting

Yes

XXXX

xxxxxx4263

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

736

732

753

736

XXXX

ALT DOC

Primary Residence

Purchase

36.7

44.87

11100.80

.00

11100.80

Employed

14.01

6119.41

4981.39

Taxes and Insurance

8.9

36270.22

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

7.999

3004.48

1069.91

4074.39

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

None

Non-QM: Lender documented all ATR UW factors

6208.76

41772

0.05155778894472362

Manual Underwriting

Yes

XXXX

xxxxxx8490

XXXX

US Citizen

false

XXXX

677

674

677

680

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

4388

No Escrow

88.83

486000.32

XXXX

18.52

XXXX

DSCR

Fixed

XXXX

7.99

3665.34

5471.09

XXXX

Fixed

360

XXXX

2%, 1%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

486000.32

3015.0

29500

117

0.007063629400584381

6.5

Manual Underwriting

XXXX

xxxxxx4807

XXXX

Non-Permanent Non-US Citizen

Yes

true

XXXX

749

746

759

749

XXXX

ALT DOC

Primary Residence

Purchase

30.5

31.37

6066.74

.00

6066.74

Employed

2.67

4163.52

1903.22

Taxes and Insurance

8.33

15409.66

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

8.999

1440.95

409.27

1850.22

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2281.56

6000

0.05333333333333334

Manual Underwriting

Yes

XXXX

xxxxxx6614

XXXX

US Citizen

Yes

true

XXXX

705

715

661

705

XXXX

ALT DOC

Primary Residence

Purchase

27.83

35.61

24025.60

.00

24025.60

Employed

3.45

15469.32

8556.28

Taxes and Insurance

8.33

102915.79

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

8.75

5357.67

1309.6

6686.28

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

12210.0

36969

235

0.1535212700997354

Manual Underwriting

Yes

XXXX

xxxxxx1201

XXXX

US Citizen

Yes

false

XXXX

756

752

756

759

XXXX

ALT DOC

Primary Residence

Purchase

21.66

34.06

11736.18

.00

11736.18

Employed

6.11

7739.02

3997.16

Taxes and Insurance

44.72

113680.44

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.5

1820.31

566.47

2541.78

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

7000

168

0.032

2.83

Manual Underwriting

XXXX

xxxxxx2274

XXXX

US Citizen

false

XXXX

720

708

725

720

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

142.11

377696.09

XXXX

60.0

XXXX

DSCR

Fixed

XXXX

6.75

2140.37

483.71

2657.77

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

321488.79

1838.3

249

Manual Underwriting

XXXX

xxxxxx1955

XXXX

US Citizen

Yes

false

XXXX

792

787

792

793

XXXX

ALT DOC

Primary Residence

Purchase

14.58

37.73

26049.22

.00

26049.22

Employed

22.38

16220.3

9828.92

No Escrow

59.19

185594.7

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.75

2697.77

3797.87

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

7144.16

35438

323

0.16076441373353487

Manual Underwriting

XXXX

xxxxxx1097

XXXX

Permanent Non-US Citizen

false

XXXX

659

662

645

659

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

8.53

30014.64

XXXX

68.7

XXXX

DSCR

Fixed

XXXX

8.99

2982.48

498.5

3517.31

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

2000 One Unit Appraisal Field Review

XXXX

None

ATR/QM: Exempt

10474.720000000001

Manual Underwriting

XXXX

xxxxxx5311

XXXX

US Citizen

false

XXXX

776

779

746

XXXX

US Citizen

false

XXXX

709

707

714

709

XXXX

Full Doc

Primary Residence

Purchase

25.99

33.32

7111.75

25000.00

.00

32111.75

Employed

0.22

0.34

3 YRS

21413.69

10698.06

Taxes and Insurance

24.48

204351.33

XXXX

86.96

XXXX

Conventional

Fixed

XXXX

7.875

7250.69

1095.37

8346.06

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

7765.0

20531

260

0.2982481463473927

Manual Underwriting

XXXX

xxxxxx0305

XXXX

US Citizen

Yes

false

XXXX

736

703

736

767

XXXX

ALT DOC

Investment

Refinance

Cash Out - Other

30.03

82938.33

.00

82938.33

Employed

10.26

58034.8

24903.53

Taxes and Insurance

74.33

406399.61

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.625

4565.27

902.2

5467.47

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Correspondent Bulk

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

51175.13

15190.0

41500

343

0.39657228710386916

Manual Underwriting

XXXX

xxxxx1346

XXXX

Non-Permanent Non-US Citizen

Yes

false

XXXX

756

773

756

727

XXXX

ALT DOC

Investment

Purchase

5.35

25.22

51610.00

.00

51610.00

Employed

6.49

38593.76

13016.24

Taxes and Insurance

43.76

90241.58

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.375

1795.76

266.48

2062.24

XXXX

Fixed

360

XXXX

6 months interest on amount that exceeds 20%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

8099.0

60320

112

0.1772853185595568

Manual Underwriting

XXXX

xxxxx1375

XXXX

Foreign National

false

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

30.25

78533.73

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

7.75

1794.73

540.17

2595.9

XXXX

Fixed

240

360

XXXX

Yes

120

6 months interest on amount that exceeds 20%

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

13025.970000000001

Manual Underwriting

XXXX

xxxxxx8521

XXXX

Non-Permanent Non-US Citizen

Yes

true

XXXX

688

704

XXXX

ALT DOC

Primary Residence

Purchase

15.01

17.47

36000.00

.00

36000.00

Employed

7.65

29710.87

6289.13

Taxes and Insurance

18.71

101116.2

XXXX

78.13

XXXX

Conventional

Fixed

XXXX

8.75

4124.28

1279.85

5404.13

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Correspondent Bulk

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

8717.21

19818

0.7723076923076924

Manual Underwriting

Yes

XXXX

xxxxx0180

XXXX

Non-Permanent Non-US Citizen

Yes

true

XXXX

741

706

744

741

XXXX

ALT DOC

Primary Residence

Purchase

39.2

43.01

13775.51

.00

13775.51

Employed

5.07

7850.17

5925.34

Taxes and Insurance

6.76

36496.97

XXXX

85.0

XXXX

Conventional

Fixed

XXXX

8.5

4356.74

1043.6

5400.34

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1599.0

17600

0.013350183823529411

3.58

Manual Underwriting

Yes

XXXX

xxxxx1365

XXXX

Non-Permanent Non-US Citizen

Yes

true

XXXX

676

670

676

694

XXXX

ALT DOC

Primary Residence

Purchase

18.79

38.16

21292.00

.00

21292.00

Employed

10.78

13168.01

8123.99

Taxes and Insurance

4.9

19586.37

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

9.75

3436.62

563.37

3999.99

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1699.0

68534

129

0.4519474625590646

2.42

Manual Underwriting

Yes

XXXX

xxxxxx0082

XXXX

Foreign National

false

XXXX

Foreign National

false

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

20.86

89245.39

XXXX

69.99

XXXX

DSCR

Fixed

XXXX

7.5

3572.99

120.16

4277.38

XXXX

Fixed

360

XXXX

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

Correspondent Bulk

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

17325.0

Manual Underwriting

XXXX

xxxxxx0220

XXXX

US Citizen

false

XXXX

690

676

692

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

4412

Taxes and Insurance

71.25

96859.2

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

8.875

852.69

221.66

1359.35

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Correspondent Bulk

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

96859.2

5220.0

65120

163

0.6668454481298518

2.08

Manual Underwriting

XXXX

xxxxxx9585

XXXX

US Citizen

Yes

true

XXXX

787

788

784

XXXX

Full Doc

Primary Residence

Purchase

35.49

37.69

55433.42

.00

55433.42

Employed

11.47

Yes

34538.03

20895.39

Taxes and Insurance

38.62

759760.32

XXXX

79.37

XXXX

Conventional

Fixed

XXXX

7.0

16632.56

3040.83

19673.39

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1949.0

29189

217

0.42

Manual Underwriting

XXXX

xxxxxx9101

XXXX

US Citizen

Yes

true

XXXX

646

669

644

XXXX

ALT DOC

Primary Residence

Purchase

12.52

15.99

34441.85

.00

34441.85

Employed

2.1

28934.57

5507.28

Taxes and Insurance

4.96

21403.67

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

9.0

3862.19

451.09

4313.28

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

19889

237

0.2526938239159001

1.17

Manual Underwriting

Yes

XXXX

xxxxxx1602

XXXX

US Citizen

false

XXXX

754

761

732

XXXX

Full Doc

Investment

Purchase

25.37

49.89

11410.88

.00

11410.88

Employed

7.17

Yes

5717.98

5692.9

Taxes and Insurance

97.89

222393.51

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.125

1349.12

255.28

2271.9

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

3477.56

11000

269

0.20244318181818183

4.42

Manual Underwriting

XXXX

xxxxxx9662

XXXX

US Citizen

false

XXXX

751

741

766

751

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

30.33

58033.79

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

8.625

1388.35

525.17

1913.52

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

58033.79

3052.92

319

8.75

Manual Underwriting

XXXX

xxxxxx6822

XXXX

US Citizen

false

XXXX

728

739

713

728

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

88.18

118075.44

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

8.5

980.36

358.61

1338.97

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

118075.44

3076.55

234

3.25

Manual Underwriting

XXXX

xxxxxx3246

XXXX

US Citizen

false

XXXX

648

671

643

648

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

7.97

15942.79

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

8.75

1530.92

469.23

2000.15

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

15942.79

8311.210000000001

194

14.67

Manual Underwriting

XXXX

xxxxxx9270

XXXX

US Citizen

Yes

false

XXXX

653

669

643

653

XXXX

ALT DOC

Investment

Refinance

Cash Out - Other

1.21

20.36

35945.57

.00

35945.57

Employed

20.9

28626.01

7319.56

Taxes and Insurance

87.47

226142.71

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

8.875

2207.91

377.56

2585.47

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

226142.71

10582.5

50675

209

0.6769674993284985

10.00

Manual Underwriting

XXXX

xxxxxx7139

XXXX

US Citizen

false

XXXX

646

682

615

XXXX

US Citizen

false

XXXX

785

787

777

XXXX

Full Doc

Primary Residence

Purchase

26.74

36.65

25577.61

14582.53

.00

40160.14

Employed

2.14

0.49

Yes

25439.51

14720.63

Taxes and Insurance

22.27

239177.26

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

8.625

8146.69

2193.59

10738.28

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

350.0

49475

235

0.6311713455953534

0.58

Manual Underwriting

XXXX

xxxxxx2866

XXXX

US Citizen

Yes

true

XXXX

721

736

721

708

XXXX

ALT DOC

Primary Residence

Purchase

9.62

17.42

57626.47

.00

57626.47

Employed

5.32

Yes

47590.8

10035.67

Taxes and Insurance

12.77

70775.75

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

8.875

4740.76

793.58

5542.67

XXXX

Fixed

480

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4735.9

66391

130

0.061285563751317176

1.08

Manual Underwriting

Yes

XXXX

xxxxxx0623

XXXX

US Citizen

Yes

false

XXXX

659

645

659

700

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

6.3

29.05

66432.37

.00

66432.37

Employed

9.65

Yes

47134.52

19297.85

Taxes and Insurance

66.54

278580.91

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

8.625

3293.94

885.68

4186.79

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

278580.91

1425.0

28000

217

0.761199538638985

Manual Underwriting

Yes

XXXX

xxxxxx9988

XXXX

US Citizen

false

XXXX

639

629

646

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

61.17

117725.87

XXXX

56.43

XXXX

DSCR

Fixed

XXXX

8.5

1670.46

254.18

1924.64

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

6543.57

428

15.42

Manual Underwriting

XXXX

xxxxxx0668

XXXX

US Citizen

false

XXXX

715

717

708

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

23.24

106955.65

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

8.75

3799.76

801.85

4601.61

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

3485.46

274

Manual Underwriting

XXXX

xxxxxx0954

XXXX

US Citizen

Yes

true

XXXX

717

723

667

XXXX

ALT DOC

Primary Residence

Purchase

22.29

22.54

8900.90

.00

8900.90

Employed

3.45

6894.71

2006.19

Taxes and Insurance

49.7

98623.71

XXXX

85.0

XXXX

Conventional

Fixed

XXXX

8.625

1467.69

516.17

1984.19

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4632.9

3000

0.006666666666666667

3.00

Manual Underwriting

Yes

XXXX

xxxxxx2222

XXXX

US Citizen

Yes

true

XXXX

724

740

718

XXXX

US Citizen

true

XXXX

758

800

709

XXXX

ALT DOC

Primary Residence

Purchase

13.92

72291.34

.00

72291.34

Employed

Not Employed

7.56

2.2

59277.88

13013.46

Taxes and Insurance

22.45

225944.98

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

8.625

8400.13

1664.33

10064.46

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1425.0

40005

212

0.5050442477876106

3.42

Manual Underwriting

XXXX

xxxxxx0515

XXXX

US Citizen

false

XXXX

797

795

797

XXXX

Full Doc

Primary Residence

Refinance

Cash Out - Other

36.29

40.43

18583.34

.00

18583.34

Employed

1 YR

11070.33

7513.01

No Escrow

132.61

903101.48

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.625

5210.42

6744.01

XXXX

Fixed

240

360

XXXX

Yes

120

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

149122.7

8673.8

47618

373

0.159

0.58

Manual Underwriting

XXXX

xxxxxx1104

XXXX

US Citizen

false

XXXX

667

700

666

667

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

43.21

65093.63

XXXX

75.0

XXXX

DSCR

Fixed

XXXX

7.5

1022.6

483.88

1506.48

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

4529.42

209

Manual Underwriting

XXXX

xxxxxx1557

XXXX

US Citizen

false

XXXX

778

767

805

778

XXXX

Full Doc

Investment

Purchase

32.84

10297.00

.00

10297.00

Employed

3.25

2 YRS

6915.42

3381.58

Taxes and Insurance

80.7

296117

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.625

2494.97

1174.6

3669.57

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

Yes

XXXX

None

ATR/QM: Exempt

3628.13

48873

139

0.050698529411764705

3.83

Manual Underwriting

XXXX

xxxxxx9626

XXXX

US Citizen

false

XXXX

772

767

773

772

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

48.96

211624.97

XXXX

45.45

XXXX

DSCR

Fixed

XXXX

7.875

3625.35

697.16

4322.51

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

2050.0

264

3.25

Manual Underwriting

XXXX

xxxxxx1803

XXXX

Foreign National

false

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

No Escrow

18.59

47020.76

XXXX

57.14

XXXX

DSCR

Fixed

XXXX

8.125

1484.99

2529.34

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

3249.0

Manual Underwriting

XXXX

xxxxxx0147

XXXX

US Citizen

false

XXXX

775

776

753

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

19.96

43737.07

XXXX

80.0

XXXX

DSCR

Fixed

XXXX

7.75

1524.17

603.21

2191.38

XXXX

Fixed

240

360

XXXX

Yes

120

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

6485.16

Manual Underwriting

XXXX

xxxxxx1134

XXXX

US Citizen

false

XXXX

761

749

763

XXXX

US Citizen

false

XXXX

738

723

773

738

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Rate and Term

.00

2227

Taxes and Insurance

7.58

16232.84

XXXX

80.0

XXXX

DSCR

Fixed

XXXX

7.0

1400

742.72

2142.72

XXXX

Fixed

360

480

XXXX

Yes

120

5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

5750.0

124

0.08

Manual Underwriting

XXXX

xxxxxx1657

XXXX

US Citizen

Yes

false

XXXX

670

668

670

678

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Debt Consolidation

18.62

49.42

22591.00

.00

22591.00

Employed

10.13

11427.12

11163.88

Taxes and Insurance

4.38

18411.93

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

8.5

3258.27

869.11

4206.88

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

52102.27

4730.25

39981

316

0.9675900458415193

Manual Underwriting

Yes

XXXX

xxxxxx0639

XXXX

US Citizen

false

XXXX

730

717

730

750

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

617.1

Taxes and Insurance

14.53

35988.62

XXXX

60.0

XXXX

DSCR

Fixed

XXXX

7.625

1997.75

478.41

2476.16

XXXX

Fixed

240

360

XXXX

Yes

120

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

35988.62

4900.0

287

Manual Underwriting

XXXX

xxxxxx1028

XXXX

US Citizen

false

XXXX

760

761

760

738

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

113.43

251639.3

XXXX

63.94

XXXX

DSCR

Fixed

XXXX

6.625

1678.58

539.93

2218.51

XXXX

Fixed

360

XXXX

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

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

247146.19

0.0

299

Manual Underwriting

XXXX

xxxxxx9684

XXXX

US Citizen

Yes

false

XXXX

696

697

664

696

XXXX

US Citizen

false

XXXX

707

694

707

716

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

8.02

22.81

150339.95

.00

150339.95

Employed

Not Employed

7.13

116048.33

34291.62

Taxes and Insurance

77.4

933131.76

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

8.75

10699.13

1356.46

12055.59

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

796860.1

37400.0

76598

121

0.4515757162346521

1.08

Manual Underwriting

XXXX

xxxxxx2409

XXXX

US Citizen

false

XXXX

778

782

778

773

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

No Escrow

255.92

675753.45

XXXX

69.6

XXXX

DSCR

Fixed

XXXX

7.75

1685.63

2640.44

XXXX

Fixed

240

360

XXXX

Yes

120

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

1751.25

138

0.25

Manual Underwriting

XXXX

xxxxxx1882

XXXX

US Citizen

false

XXXX

806

789

807

806

XXXX

US Citizen

false

XXXX

808

802

818

808

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Rate and Term

.00

No Escrow

89.5

1058520.01

XXXX

25.22

XXXX

DSCR

Fixed

XXXX

7.25

8036.04

11827.07

XXXX

Fixed

360

XXXX

5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

668.98

20197.45

384

5.08

Manual Underwriting

XXXX

xxxxxx9189

XXXX

US Citizen

false

XXXX

743

746

739

743

XXXX

US Citizen

false

XXXX

782

781

798

782

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

1422

Taxes and Insurance

3.75

7684.71

XXXX

49.3

XXXX

DSCR

Fixed

XXXX

7.875

1268.87

804.29

2050.66

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

Yes

XXXX

None

ATR/QM: Exempt

3087.0

473

Manual Underwriting

XXXX

xxxxxx8316

XXXX

US Citizen

Yes

false

XXXX

678

687

677

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

41.86

47.86

5000.70

.00

5000.70

Employed

25.16

2607.43

2393.27

Taxes and Insurance

4.86

10182.16

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

9.125

1822.54

270.73

2093.27

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

40355.83

1425.0

11000

235

0.894677565849228

20.00

Manual Underwriting

Yes

XXXX

xxxxxx1153

XXXX

US Citizen

false

XXXX

794

798

792

794

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

111.39

209407.67

XXXX

80.0

XXXX

DSCR

Fixed

XXXX

8.125

1443.41

436.53

1879.94

XXXX

Fixed

360

XXXX

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

Wholesale

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

3773.0

343

Manual Underwriting

XXXX

xxxxxx1005

XXXX

US Citizen

false

XXXX

818

813

818

819

XXXX

Full Doc

Primary Residence

Purchase

40.55

41.76

27273.74

.00

27273.74

Employed

3.38

1 YR

15885.27

11388.47

Taxes and Insurance

763068.79

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.75

9132.26

1927.28

11059.54

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2045.0

26500

134

0.006299765807962529

8.67

Manual Underwriting

XXXX

xxxxxx0995

XXXX

US Citizen

false

XXXX

672

671

672

693

XXXX

Full Doc

Primary Residence

Purchase

26.58

49.64

7098.57

.00

7098.57

Not Employed

3.58

2 YRS

3574.91

3523.66

Taxes and Insurance

160.09

302086.48

XXXX

53.79

XXXX

Conventional

Fixed

XXXX

8.75

1466.73

196.29

1887.02

XXXX

Fixed

480

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

3125.0

4500

246

0.23783505154639176

0.08

Manual Underwriting

Yes

XXXX

xxxxxx0401

XXXX

US Citizen

true

XXXX

706

670

706

710

XXXX

US Citizen

true

XXXX

702

698

747

XXXX

Full Doc

Primary Residence

Purchase

38.41

38.75

29215.18

3831.30

.00

33046.48

Employed

Retired

6.94

Yes

20241.67

12804.81

No Escrow

8.03

101875.46

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

8.499

10671.54

12691.81

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

2700

260

0.15023255813953487

6.17

Manual Underwriting

XXXX

xxxxxx0909

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

672

663

672

703

XXXX

ALT DOC

Primary Residence

Purchase

15.31

15.93

14303.64

.00

14303.64

Employed

2.42

12025.12

2278.52

Taxes and Insurance

34.79

76197.86

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.875

1844.58

345.94

2190.52

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2949.0

6000

0.3576923076923077

2.17

Manual Underwriting

Yes

XXXX

xxxxxx9505

XXXX

US Citizen

Yes

false

XXXX

693

663

696

693

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

13.45

26.3

45929.67

.00

45929.67

Employed

3.41

3 YRS

33850.08

12079.59

Taxes and Insurance

1.75

10833.39

XXXX

73.68

XXXX

Conventional

Fixed

XXXX

7.999

5135.86

1039.73

6175.59

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

599067.42

16399.0

28072

311

0.43937586048646166

0.50

Manual Underwriting

Yes

XXXX

xxxxxx9839

XXXX

US Citizen

Yes

true

XXXX

702

713

696

702

XXXX

ALT DOC

Primary Residence

Purchase

39.58

41.74

18769.50

.00

18769.50

Employed

2.94

10934.29

7835.21

Taxes and Insurance

60.24

479728.85

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.375

5939.81

1488.45

7428.26

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

20000

217

13.25

Manual Underwriting

XXXX

xxxxxx9181

XXXX

US Citizen

false

XXXX

689

650

689

698

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

28.32

116917.24

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

7.875

2613.88

486.93

4128.81

XXXX

Fixed

360

XXXX

3%, 2%, 1%

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

0.0

Manual Underwriting

XXXX

xxxxxx8984

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

698

747

660

698

XXXX

ALT DOC

Primary Residence

Purchase

8.46

14.15

38391.73

.00

38391.73

Employed

11.05

32957.93

5433.8

No Escrow

18.89

61359.57

XXXX

60.0

XXXX

Conventional

Fixed

XXXX

6.625

2266.7

3248.8

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

66318

109

0.06832837780437889

12.00

Manual Underwriting

XXXX

xxxxxx1007

XXXX

US Citizen

false

XXXX

800

797

812

800

XXXX

US Citizen

false

XXXX

796

798

790

XXXX

ALT DOC

Primary Residence

Purchase

18.29

33.57

22412.25

.00

22412.25

Not Employed

Yes

14888.81

7523.44

Taxes and Insurance

200.46

821584.23

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.999

3294.25

804.19

4098.44

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1909.0

182904

352

0.11111428571428572

1.33

Manual Underwriting

XXXX

xxxxxx9140

XXXX

US Citizen

true

XXXX

798

821

798

XXXX

Full Doc

Primary Residence

Purchase

24.06

24.25

31272.02

.00

31272.02

Employed

11.14

2 YRS

23687.59

7584.43

Insurance

45.34

341131.13

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.75

5629.83

106.42

7523.43

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

Yes

XXXX

None

Non-QM: Lender documented all ATR UW factors

4490.0

50000

438

0.06272406925080436

4.92

Manual Underwriting

XXXX

xxxxxx1683

XXXX

US Citizen

false

XXXX

806

778

XXXX

Full Doc

Primary Residence

Purchase

35.85

40.77

15000.00

.00

15000.00

Employed

7.62

3 YRS

8884.82

6115.18

Taxes and Insurance

53.83

289448.12

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.999

4124.46

940.72

5377.18

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4045.0

19197

188

0.04109090909090909

6.25

Manual Underwriting

XXXX

xxxxxx9328

XXXX

US Citizen

Yes

false

XXXX

686

578

686

689

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

32.33

48.49

7101.57

.00

7101.57

Employed

5.79

3657.97

3443.6

No Escrow

23.69

54382.66

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

7.75

1499.45

2295.6

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

54382.66

0.0

17755

135

0.2380078636959371

9.00

Manual Underwriting

XXXX

xxxxxx0439

XXXX

US Citizen

false

XXXX

802

820

777

XXXX

Full Doc

Primary Residence

Refinance

Rate and Term

22.5

27.02

40416.67

.00

40416.67

Employed

7.89

Yes

29496.19

10920.48

No Escrow

12.6

114566.76

XXXX

68.35

XXXX

Conventional

Fixed

XXXX

6.499

6224.3

9095.48

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1590.0

35000

265

0.011624454148471616

1.58

Manual Underwriting

XXXX

xxxxxx9614

XXXX

US Citizen

Yes

false

XXXX

642

659

604

642

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

26.37

49.43

8072.42

.00

8072.42

Employed

10.19

4082.62

3989.8

Taxes and Insurance

33.73

71800.87

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

9.375

1422.29

706.52

2128.8

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

71679.72

2200.2

22876

401

0.5690749292417697

12.17

Manual Underwriting

Yes

XXXX

xxxxxx5644

XXXX

US Citizen

Yes

false

XXXX

744

749

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

17.97

29405.08

.00

29405.08

Employed

9.17

24119.91

5285.17

Taxes and Insurance

4.34

22956.87

XXXX

78.18

XXXX

Conventional

Fixed

XXXX

6.999

4290.77

994.4

5285.17

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

8500

1.25

Manual Underwriting

XXXX

xxxxxx0737

XXXX

US Citizen

Yes

false

XXXX

788

811

788

785

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

6.69

16.67

43366.15

.00

43366.15

Employed

2.1

36136.3

7229.85

Taxes and Insurance

48.2

139862.75

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.625

2335.72

566.13

2901.85

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

139862.75

1995.0

49513

246

0.00006872852233676975

2.00

Manual Underwriting

XXXX

xxxxxx9793

XXXX

US Citizen

Yes

false

XXXX

793

758

802

XXXX

ALT DOC

Second Home

Refinance

Cash Out - Other

5.21

33.67

128705.60

.00

128705.60

Employed

22.86

85364.35

43341.25

Taxes and Insurance

59.31

846030.32

XXXX

41.53

XXXX

Conventional

Fixed

XXXX

6.75

9696.54

4567.21

14263.75

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

Yes

XXXX

None

Non-QM: Lender documented all ATR UW factors

453806.92

1195.0

917386

394

0.9246397994090632

4.17

Manual Underwriting

XXXX

xxxxxx8452

XXXX

US Citizen

Yes

false

XXXX

670

665

681

XXXX

US Citizen

Yes

false

XXXX

692

667

695

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

26.36

48.83

21880.09

.00

43760.18

Employed

12.34

22390.29

21369.89

Taxes and Insurance

9.29

107187.84

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

8.75

10620.46

914.43

11534.89

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

171790.84

1995.0

93006

365

0.7309339539722095

25.25

Manual Underwriting

XXXX

xxxxxx1261

XXXX

US Citizen

Yes

false

XXXX

747

751

628

747

XXXX

ALT DOC

Primary Residence

Purchase

12.11

41.11

43298.04

.00

43298.04

Employed

4.1

25496.06

17801.98

Taxes and Insurance

13.53

70969.65

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.499

4297.62

946.25

5243.87

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4170.0

54162

224

0.3509963099630996

Manual Underwriting

XXXX

xxxxxx9931

XXXX

US Citizen

Yes

true

XXXX

810

808

XXXX

ALT DOC

Primary Residence

Purchase

35.52

36.18

10351.08

.00

10351.08

Employed

5.15

Yes

6605.56

3745.52

Taxes and Insurance

30.51

112172.33

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.499

2831.37

665.15

3676.52

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

10785.0

10000

176

0.02565553669119034

6.83

Manual Underwriting

XXXX

xxxxxx0038

XXXX

US Citizen

Yes

false

XXXX

801

804

797

XXXX

US Citizen

Yes

false

XXXX

804

822

800

XXXX

Full Doc

Investment

Purchase

5.15

31.8

16657.84

7234.96

.00

23892.80

Employed

4.6

8.99

Yes

16295.21

7597.59

Taxes and Insurance

78.37

475738.87

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

6.375

4655.63

1286.96

5942.59

XXXX

Fixed

360

XXXX

6 months interest on amount that exceeds 20%

Retail

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

1590.0

42000

287

0.110996996996997

23.08

Manual Underwriting

XXXX

xxxxxx0304

XXXX

US Citizen

Yes

false

XXXX

724

737

723

724

XXXX

ALT DOC

Primary Residence

Purchase

30.63

41.08

9757.12

.00

9757.12

Employed

6.95

Yes

5749.24

4007.88

Taxes and Insurance

29.15

87102.73

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.875

2575.16

413.2

2988.35

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

13849.0

22586

156

22.50

Manual Underwriting

XXXX

xxxxxx7276

XXXX

US Citizen

Yes

true

XXXX

771

763

792

771

XXXX

Full Doc

Primary Residence

Purchase

22.29

23.21

38431.00

.00

38431.00

Employed

8.28

Yes

29511.45

8919.55

Taxes and Insurance

188.83

1617178.48

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.75

6849.14

1715.21

8564.35

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1500.0

65000

182

0.07020029311187104

30.00

Manual Underwriting

XXXX

xxxxxx7986

XXXX

US Citizen

false

XXXX

706

688

706

723

XXXX

Full Doc

Primary Residence

Refinance

Rate and Term

16.06

27.04

68952.14

.00

68952.14

Employed

15.39

3 YRS

50307.82

18644.32

Taxes and Insurance

10.01

110861.89

XXXX

76.49

XXXX

Conventional

Fixed

XXXX

7.125

9095.2

2020.71

11071.32

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

3549.78

1290.0

69813

301

0.5757856573834723

Manual Underwriting

XXXX

xxxxxx0941

XXXX

US Citizen

Yes

false

XXXX

710

718

701

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

38.21

47.14

8639.31

.00

8639.31

Employed

18.53

3 YRS

4566.32

4072.99

No Escrow

61.76

203884.42

XXXX

48.19

XXXX

Conventional

Fixed

XXXX

7.499

2139.39

3300.99

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

203884.42

1850.0

36540

312

0.1141025641025641

19.92

Manual Underwriting

XXXX

xxxxxx0881

XXXX

US Citizen

Yes

false

XXXX

741

750

741

720

XXXX

ALT DOC

Primary Residence

Purchase

17.84

37.03

21282.56

.00

21282.56

Employed

5.28

13402.47

7880.09

Taxes and Insurance

25.18

95584.97

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.499

3286.41

509.94

3796.35

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2645.0

14042

0.12978260869565217

5.08

Manual Underwriting

XXXX

xxxxxx9621

XXXX

US Citizen

Yes

false

XXXX

814

817

814

802

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

33.87

35.43

10272.52

.00

10272.52

Employed

2.62

6633.09

3639.43

Taxes and Insurance

140.06

487340.7

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

6.499

3030.45

298.98

3479.43

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

463016.82

3358.1

16500

393

0.017886904761904764

13.08

Manual Underwriting

XXXX

xxxxxx0985

XXXX

US Citizen

Yes

false

XXXX

783

793

783

775

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

23.16

24.56

9947.40

.00

9947.40

Employed

29.45

Yes

7503.91

2443.49

Taxes and Insurance

118.4

272743.75

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.75

2095.51

207.98

2303.49

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

267342.59

7752.75

21500

351

0.14279245283018868

29.75

Manual Underwriting

XXXX

xxxxxx1339

XXXX

US Citizen

false

XXXX

797

791

815

797

XXXX

US Citizen

Yes

false

XXXX

661

668

650

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

45.71

46.44

.00

6821.32

.00

6821.32

Not Employed

Employed

1.34

3653.23

3168.09

Taxes and Insurance

6.32

19712.53

XXXX

56.61

XXXX

Conventional

Fixed

XXXX

7.25

2483.12

634.97

3118.09

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

78.75

1895.0

4500

414

0.18

44.08

Manual Underwriting

XXXX

xxxxxx0892

XXXX

US Citizen

Yes

true

XXXX

800

802

800

792

XXXX

US Citizen

false

XXXX

697

692

698

XXXX

Full Doc

Primary Residence

Purchase

27.43

30.41

37968.00

6138.00

.00

44106.00

Employed

2.71

3.29

Yes

30692.34

13413.66

Taxes and Insurance

31.83

424552.31

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.25

10096.21

1936.78

12099.66

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

10000

173

0.02506925207756233

3.00

Manual Underwriting

XXXX

xxxxxx0245

XXXX

US Citizen

false

XXXX

768

771

XXXX

Full Doc

Primary Residence

Purchase

29.17

44.83

24094.37

.00

24094.37

Employed

5.8

3 YRS

13293.74

10800.63

No Escrow

42.53

298863.78

XXXX

72.11

XXXX

Conventional

Fixed

XXXX

6.375

5646.02

7027.28

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

10895.0

36800

258

0.1470108695652174

3.58

Manual Underwriting

XXXX

xxxxxx9556

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

786

791

786

772

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

718

725

702

718

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

37.58

47.99

6863.56

4827.45

.00

11691.01

Employed

15.01

6081.01

5610

Taxes and Insurance

46.33

203561.53

XXXX

64.75

XXXX

Conventional

Fixed

XXXX

6.75

3359.74

878.26

4394

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

203561.53

6527.5

25799

236

0.10647222222222222

Manual Underwriting

XXXX

xxxxxx7417

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

772

787

764

XXXX

ALT DOC

Second Home

Purchase

2.22

5.52

115493.47

.00

115493.47

Employed

30.7

109115.79

6377.68

Taxes and Insurance

107.12

355374.94

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.25

2455.83

861.97

3317.68

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

12150

228

0.23958565737051793

13.00

Manual Underwriting

XXXX

xxxxxx1858

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

788

806

776

788

XXXX

ALT DOC

Primary Residence

Purchase

17.43

33.33

14711.97

.00

14711.97

Employed

3 YRS

9808.12

4903.85

No Escrow

16.08

35703.75

XXXX

72.29

XXXX

Conventional

Fixed

XXXX

6.375

1871.61

2564.45

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

15320.0

29327

130

0.07336088154269972

0.25

Manual Underwriting

XXXX

xxxxxx9358

XXXX

US Citizen

Yes

false

XXXX

714

739

704

714

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

10.07

18.69

97075.48

.00

97075.48

Employed

3.38

78936.84

18138.64

Taxes and Insurance

19.89

194495.1

XXXX

78.55

XXXX

Conventional

Fixed

XXXX

6.625

9028.38

749.26

9777.64

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

887.76

12429.0

100000

267

0.09634544712127399

1.00

Manual Underwriting

XXXX

xxxxxx1939

XXXX

US Citizen

Yes

false

XXXX

761

760

792

XXXX

ALT DOC

Investment

Purchase

5.6

36.17

64200.43

.00

64200.43

Employed

4.16

40982.14

23218.29

No Escrow

18.1

79154.63

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

7.125

3107.53

4373.69

XXXX

Fixed

360

XXXX

6 months interest on amount that exceeds 20%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

Yes

XXXX

None

ATR/QM: Exempt

9659.630000000001

274321

232

0.36862962525336074

Manual Underwriting

XXXX

xxxxxx1188

XXXX

US Citizen

false

XXXX

816

809

816

819

XXXX

ALT DOC

Primary Residence

Purchase

16.46

23.57

66404.35

.00

66404.35

Employed

8.71

Yes

50751.25

15653.1

Taxes

550.43

6017946.42

XXXX

54.57

XXXX

Conventional

Fixed

XXXX

6.499

7931.63

2453.13

10933.26

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1590.0

55000

272

0.03568319226118501

1.58

Manual Underwriting

XXXX

xxxxxx9956

XXXX

US Citizen

Yes

false

XXXX

779

774

801

779

XXXX

US Citizen

false

XXXX

808

814

808

802

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

39.98

40.82

14285.90

.00

14285.90

Employed

Not Employed

11.62

3 YRS

8454.48

5831.42

Taxes and Insurance

10.97

62652.92

XXXX

67.81

XXXX

Conventional

Fixed

XXXX

6.75

4244.16

1065.26

5711.42

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

234.0

1590.0

49300

272

0.09293922521028314

1.00

Manual Underwriting

XXXX

xxxxxx1651

XXXX

US Citizen

false

XXXX

774

742

793

774

XXXX

US Citizen

false

XXXX

776

781

776

768

XXXX

Full Doc

Primary Residence

Purchase

17.7

43.74

31079.23

16000.00

.00

47079.23

Employed

5.89

2.75

3 YRS

26488.8

20590.43

Taxes and Insurance

59.22

493467.41

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.499

7173.86

1158.71

8332.57

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

3018.88

30048

260

0.34647599795855055

1.5

Manual Underwriting

XXXX

xxxxxx1073

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

744

776

744

XXXX

ALT DOC

Primary Residence

Purchase

33.64

35.75

18751.73

.00

18751.73

Employed

4.41

12047.57

6704.16

Taxes and Insurance

51.86

629332.12

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

6.499

5095.52

1211.64

6307.16

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Correspondent Flow with Delegated UW

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1590.0

40000

250

0.3040077375251188

7.25

Manual Underwriting

XXXX

xxxxxx1977

XXXX

US Citizen

true

XXXX

788

792

XXXX

Full Doc

Primary Residence

Purchase

36.69

37.02

14166.67

.00

14166.67

Employed

0.33

Yes

8921.52

5245.15

No Escrow

12.12

63021.09

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.499

3670.67

5198.15

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Condominium

XXXX

1073 Individual Condo Report

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1740.0

45500

158

0.10454945054945054

0.67

Manual Underwriting

XXXX

xxxxxx9802

XXXX

US Citizen

Yes

false

XXXX

734

718

764

734

XXXX

US Citizen

false

XXXX

746

778

714

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

27.37

42.07

1559.86

35819.00

.00

37378.86

Employed

10.29

5.21

21652.66

15726.2

Taxes and Insurance

6.82

69756.58

XXXX

36.92

XXXX

Conventional

Fixed

XXXX

7.499

8389.75

1841.21

10230.96

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

3750

210

0.8413447782546495

2.67

Manual Underwriting

XXXX

xxxxxx1331

XXXX

US Citizen

true

XXXX

804

796

804

808

XXXX

ALT DOC

Primary Residence

Purchase

21.03

22.48

9268.25

.00

9268.25

Not Employed

Yes

7185.12

2083.13

Taxes and Insurance

264.31

515177.26

XXXX

69.57

XXXX

Conventional

Fixed

XXXX

6.999

1300.54

490.26

1949.13

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Correspondent Flow with Delegated UW

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

5804.38

30300

500

0.04593390804597701

4.50

Manual Underwriting

XXXX

xxxxxx9436

XXXX

US Citizen

Yes

false

XXXX

711

708

711

719

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

8.2

9.05

99635.46

.00

99635.46

Employed

4.47

90614.27

9021.19

No Escrow

56.3

460196.23

XXXX

65.3

XXXX

Conventional

Fixed

XXXX

6.75

6353.02

8174.19

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1740.0

35175

150

0.026643356643356642

1.33

Manual Underwriting

XXXX

xxxxxx1722

XXXX

US Citizen

false

XXXX

773

738

786

773

XXXX

US Citizen

false

XXXX

800

795

800

808

XXXX

Full Doc

Primary Residence

Purchase

26.17

37.9

22334.08

10500.14

.00

32834.22

Employed

Retired

0.34

3 YRS

20391.35

12442.87

No Escrow

99.12

902436.02

XXXX

60.0

XXXX

Conventional

Fixed

XXXX

6.75

6569

6569.0

8593.87

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

4267.030000000001

50000

324

0.1871113127646703

12.5

Manual Underwriting

XXXX

xxxxxx9952

XXXX

US Citizen

Yes

false

XXXX

720

756

720

713

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

24.89

28.33

32286.37

.00

32286.37

Employed

3.82

23139.59

9146.78

Taxes and Insurance

7.1

57084.52

XXXX

78.13

XXXX

Conventional

Fixed

XXXX

6.75

5701.18

2333.6

8034.78

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

Yes

XXXX

None

Non-QM: Lender documented all ATR UW factors

1403.48

3928.8

36420

284

0.4806666666666667

2.58

Manual Underwriting

XXXX

xxxxxx1724

XXXX

US Citizen

Yes

true

XXXX

679

659

685

679

XXXX

ALT DOC

Primary Residence

Purchase

25.47

35.03

19101.04

.00

19101.04

Employed

2.68

12409.14

6691.9

Taxes and Insurance

10.59

53081.67

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

7.125

3749.24

1116.66

4865.9

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

1025 Small Residential Income Report

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

6864.38

34008

0.25937153419593345

2.33

Manual Underwriting

XXXX

xxxxxx1806

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

756

751

766

756

XXXX

Permanent Non-US Citizen

Yes

true

XXXX

759

777

XXXX

ALT DOC

Primary Residence

Purchase

33.96

34.72

5857.68

2710.00

.00

8567.68

Employed

4.31

3.31

5592.92

2974.76

No Escrow

18.94

59688.25

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.375

2348.3

2909.76

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

5200

0.06423732772716655

3.33

Manual Underwriting

XXXX

xxxxxx1004

XXXX

US Citizen

Yes

false

XXXX

755

734

782

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

10.7

22.18

27265.15

.00

27265.15

Employed

13.57

3 YRS

21216.9

6048.25

No Escrow

29.8

86975.73

XXXX

36.72

XXXX

Conventional

Fixed

XXXX

6.999

1995.71

2918.64

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

2467.21

2470.0

49432

457

0.060249793757074614

5.50

Manual Underwriting

XXXX

xxxxxx1677

XXXX

US Citizen

true

XXXX

798

745

803

798

XXXX

US Citizen

true

XXXX

784

797

776

784

XXXX

Full Doc

Primary Residence

Purchase

53.75

54.7

20589.07

.00

20589.07

Employed

Not Employed

15.23

3 YRS

9326.59

11262.48

No Escrow

15.96

176660.57

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.999

8781.11

11067.48

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

16469.0

22000

281

0.07227564102564103

21.75

1695677003

Manual Underwriting

XXXX

xxxxxx0287

XXXX

US Citizen

Yes

false

XXXX

749

775

749

745

XXXX

Full Doc

Primary Residence

Purchase

39.78

43092.84

.00

43092.84

Employed

23.82

2 YRS

25948.62

17144.22

ALL

64.6

1107434.03

XXXX

71.13

XXXX

Conventional

Fixed

XXXX

6.5

13083.81

3422.41

17144.22

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

None

Non-QM: Lender documented all ATR UW factors

4842.1

20000

423

0.08

Manual Underwriting

XXXX

xxxxxx1751

XXXX

US Citizen

Yes

false

XXXX

718

720

715

718

XXXX

US Citizen

false

XXXX

789

801

658

XXXX

Full Doc

Primary Residence

Purchase

18.54

35.9

54049.92

.00

54049.92

Employed

Not Employed

14.65

Yes

34647.99

19401.93

Taxes and Insurance

172.16

1841605.2

XXXX

60.0

XXXX

Conventional

Fixed

XXXX

6.5

7683.42

2229.26

10019.01

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

14001.0

75406

273

0.035578105058761814

12.50

Manual Underwriting

XXXX

xxxxxx9513

XXXX

US Citizen

false

XXXX

666

684

662

666

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

81.51

75488.03

XXXX

65.0

XXXX

DSCR

Fixed

XXXX

8.625

697.68

228.44

926.12

XXXX

Fixed

360

XXXX

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

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

75488.03

2691.0

368

Manual Underwriting

XXXX

xxxxxx1159

XXXX

US Citizen

false

XXXX

683

782

683

668

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

Taxes and Insurance

107.99

194725.7

XXXX

70.0

XXXX

DSCR

Fixed

XXXX

6.875

1397.94

405.3

1803.24

XXXX

Fixed

360

XXXX

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

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

194725.7

0.0

270

Manual Underwriting

XXXX

xxxxxx9297

XXXX

US Citizen

false

XXXX

745

748

735

XXXX

Permanent Non-US Citizen

false

XXXX

817

787

XXXX

ALT DOC

Primary Residence

Purchase

16.67

25.78

11874.58

.00

11874.58

Retired

Not Employed

8812.81

3061.77

No Escrow

118.16

233908.67

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.375

1563.69

1979.55

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

21300

248

0.08733763929306551

11.08

Manual Underwriting

XXXX

xxxxxx0736

XXXX

US Citizen

Yes

true

XXXX

713

727

703

713

XXXX

ALT DOC

Primary Residence

Purchase

19.54

23.39

57501.72

.00

57501.72

Employed

18.42

44053.48

13448.24

Taxes and Insurance

41.89

470674.88

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.625

9064.41

1921.43

11235.84

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

45524.34

50000

281

0.4504575278665133

Manual Underwriting

XXXX

xxxxxx1437

XXXX

US Citizen

Yes

true

XXXX

752

768

752

720

XXXX

ALT DOC

Primary Residence

Purchase

12.41

14.27

112344.30

.00

112344.30

Employed

10.3

96317.21

16027.09

Taxes and Insurance

76.75

1070344.75

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.499

9909.8

3775.46

13946.09

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

3484.6

22538

203

0.33

Manual Underwriting

XXXX

xxxxxx1250

XXXX

US Citizen

Yes

false

XXXX

748

744

792

XXXX

ALT DOC

Primary Residence

Purchase

31.55

31.85

18133.85

.00

18133.85

Employed

3.33

12357.78

5776.07

No Escrow

54.99

314612.85

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.499

4250.81

5720.84

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

26000

0.007643229166666667

5.2

Manual Underwriting

XXXX

xxxxxx1587

XXXX

US Citizen

false

XXXX

681

679

689

XXXX

US Citizen

false

XXXX

684

679

722

XXXX

Full Doc

Primary Residence

Refinance

Cash Out - Other

34.64

48.14

6978.78

5304.00

.00

12282.78

Employed

19.95

2.15

3 YRS

5711.75

5302.65

Taxes and Insurance

60.29

230059.42

XXXX

70.0

XXXX

Conventional

Fixed

XXXX

7.25

3108.68

706.97

3815.65

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

216412.76

4455.780000000001

25000

252

0.2618228270504197

18.83

Manual Underwriting

XXXX

xxxxxx1254

XXXX

Permanent Non-US Citizen

Yes

false

XXXX

760

765

745

760

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

7.64

8.06

39173.87

.00

39173.87

Employed

2.9

36017.25

3156.62

Taxes and Insurance

35.04

104816.7

XXXX

71.3

XXXX

Conventional

Fixed

XXXX

6.875

2529.18

462.44

2991.62

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

143684.89

3092.25

9500

0.14866562009419151

1.67

Manual Underwriting

XXXX

xxxxxx5487

XXXX

US Citizen

false

XXXX

790

787

796

790

XXXX

US Citizen

false

XXXX

794

805

780

794

XXXX

ALT DOC

Primary Residence

Purchase

9.12

10.69

69844.08

1399.00

.00

71243.08

Retired

Yes

63628

7615.08

Taxes and Insurance

90.96

632226.85

XXXX

78.61

XXXX

Conventional

Fixed

XXXX

6.875

5189.7

1257.02

6496.72

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

3969.99

22200

375

0.10166946027489104

38.00

Manual Underwriting

XXXX

xxxxxx1288

XXXX

US Citizen

Yes

false

XXXX

774

808

759

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

40.89

59893.59

.00

59893.59

Employed

15.72

Yes

35400.37

24493.22

Taxes and Insurance

30.35

527095.04

XXXX

67.31

XXXX

Conventional

Fixed

XXXX

6.625

13792.3

3576.68

17368.97

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

None

Non-QM: Lender documented all ATR UW factors

12969.259999999998

186310

274

0.09807397306971195

0.25

Manual Underwriting

XXXX

xxxxxx9511

XXXX

US Citizen

false

XXXX

645

688

617

XXXX

US Citizen

Yes

false

XXXX

720

728

720

714

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

24.62

27.36

.00

10834.26

.00

10834.26

Not Employed

Employed

3.49

7870.14

2964.12

No Escrow

9.61

25630.28

XXXX

55.65

XXXX

Conventional

Fixed

XXXX

6.375

1996.38

2667.12

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

297.5

1595.0

3100

438

0.0380990099009901

0.67

Manual Underwriting

XXXX

xxxxxx1705

XXXX

US Citizen

Yes

false

XXXX

773

760

780

773

XXXX

ALT DOC

Second Home

Purchase

1.24

11.49

502574.83

.00

502574.83

Employed

16.61

444839.17

57735.66

Insurance

43.12

1579266.34

XXXX

65.0

XXXX

Conventional

Fixed

XXXX

7.375

25589.51

156.16

38110.1

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

1004 URAR

XXXX

Yes

XXXX

None

Non-QM: Lender documented all ATR UW factors

67452.95

99900

268

Manual Underwriting

XXXX

xxxxxx0195

XXXX

US Citizen

Yes

false

XXXX

772

767

773

XXXX

ALT DOC

Primary Residence

Refinance

Rate and Term

22.95

37.75

17473.31

.00

17473.31

Employed

6.3

10876.35

6596.96

Taxes and Insurance

10.43

41850.73

XXXX

78.66

XXXX

Conventional

Fixed

XXXX

6.625

3374.44

636.52

4010.96

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2653.75

32200

0.07162735849056603

0.67

Manual Underwriting

XXXX

xxxxxx4504

XXXX

US Citizen

Yes

false

XXXX

743

773

737

XXXX

ALT DOC

Investment

Purchase

5.61

28.79

147821.50

.00

147821.50

Employed

23.59

105269.41

42552.09

No Escrow

67.53

937251.52

XXXX

75.0

XXXX

Conventional

Fixed

XXXX

6.999

11974.24

299.42

13878.77

XXXX

Fixed

360

XXXX

6 months interest on amount that exceeds 20%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

Yes

XXXX

None

ATR/QM: Exempt

27890.0

66500

292

0.314966668633119

0.83

Manual Underwriting

XXXX

xxxxxx4955

XXXX

US Citizen

Yes

false

XXXX

763

778

753

763

XXXX

ALT DOC

Primary Residence

Purchase

27.5

45.07

13177.50

.00

13177.50

Employed

1.42

7238.34

5939.16

Taxes and Insurance

22.86

82810.14

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

6.999

2660.94

962.22

3623.16

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

1995.0

124198

0.006914893617021276

5.66

Manual Underwriting

XXXX

xxxxxx5429

XXXX

US Citizen

Yes

true

XXXX

802

805

797

XXXX

US Citizen

true

XXXX

810

821

808

XXXX

ALT DOC

Primary Residence

Purchase

23.65

23.77

22455.00

2810.75

.00

25265.75

Employed

2.31

3.82

19260.37

6005.38

Taxes and Insurance

17.4

103971.2

XXXX

80.0

XXXX

Conventional

Fixed

XXXX

7.125

4796.88

1178.5

5975.38

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

2690.0

25000

142

0.008104265402843602

Manual Underwriting

XXXX

xxxxxx8406

XXXX

US Citizen

Yes

false

XXXX

764

676

772

764

XXXX

ALT DOC

Primary Residence

Purchase

24.18

27.4

54552.35

.00

54552.35

Employed

4.25

39607.01

14945.34

Taxes and Insurance

17.35

276896.16

XXXX

90.0

XXXX

Conventional

Fixed

XXXX

8.75

11328.49

1864.67

13193.16

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

1004 URAR

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

23595.0

26694

410

0.158585313174946

1.00

Manual Underwriting

XXXX

Loan ID

Seller Loan ID

Investor Loan ID

Loan Program

Guideline Product Name

Originator Name

Originating Entity CDFI Flag

Guideline Name

Guideline Author

Guideline Date

Guideline Version

Application Date

TILA Status

TRID

GSE

Verified Safe Harbor Flag

Verified Safe Harbor Reference Document

QM Regulation Failures

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

AUS Decision System

Rating Result

Property Inspection Waiver (PIW)

Calculated APR

HUD 1 Page 1 Credits Total

Verified Qualifying Rate

Originator Qualifying Rate

Qualifying P&I

Default Interest Rate Present

Default Interest Rate

Annual Property Tax

Monthly Property Tax

Annual Insurance Costs

Monthly Insurance Cost

Annual HOA Costs

Monthly HOA Costs

Monthly Other Costs

PITIA

Residual Income

HOA Questionnaire Flag

HOA Name

HOA Address State

HOA Fee Amount

HOA Next Due Date

HOA Payment Frequency

Originator DTI

TPR Verified DTI

QM DTI

Is Borrower Non Occupant

Is Co Borrower Non Occupant

Co Borrower 2 Asset Verification Level

Co Borrower 3 Asset Verification Level

Co Borrower 2 Income Verification Level

Co Borrower 3 Income Verification Level

Co Borrower 2 Employment Verification Level

Co Borrower 3 Employment Verification Level

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower 2 Length of Employment

Co Borrower 3 Length of Employment

Document Level

Borrower Years of W2s/1099

CoBorrower Years of W2s/1099

Borrower Months of Paystubs Verified

Co Borrower Months of Paystubs Verified

Borrower Employment Gap Letter

Borrower Months of Employment Gap

Co Borrower Employment Gap Letter

Co Borrower Months of Employment Gap

Borrower Years of Personal Tax Returns

Borrower Years of Business Tax Returns

CoBorrower Years of Personal Tax Returns

CoBorrower Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Borrower Award/Offer Letter

Co Borrower Award/Offer Letter

Asset Depletion Flag

Partial Asset Depletion Flag

Asset Depletion Months Amortized

Asset Utilization Flag (No DTI)

Borrower Bank Statements Flag

Borrower Bank Statement Summary/Lender Worksheet

Borrower Number of Personal Bank Statements

Borrower Number of Business Bank Statements

CoBorrower Bank Statements Flag

Co Borrower Bank Statement Summary/Lender Worksheet

CoBorrower Number of Personal Bank Statements

CoBorrower Number of Business Bank Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

Bespoke Eligible Assets

Borrower P&L Type

Borrower Number of Months P&L

Borrower P&L Prepared By

CoBorrower P&L Type

CoBorrower P&L Prepared By

CoBorrower Number of Months P&L

Borrower CPA Letter Flag

# of Months CPA verified income

CoBorrower CPA Letter Flag

CoBorrower # of Months CPA verified income

Borrower WVOE Flag

Borrower # of Months Employment Validated WVOE

Borrower # of Months Income Validated WVOE

Borrower WVOE Form Type

CoBorrower WVOE Flag

CoBorrower # of Months WVOE

CoBorrower # of Months Income Validated WVOE

CoBorrower WVOE Form Type

DSCR Flag

TPR DSCR

Originator DSCR

Expense Letter

Income Doc Detail

Tax Return Doc Details

Property Address

Property City

Property State

Property Zip

Property County

Original Credit Report Date

Borrower 1 Credit Report Date

Borrower 2 Credit Report Date

Borrower 3 Credit Report Date

Borrower 4 Credit Report Date

xxxxxx2568

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

06/23/2024

6.930%

Manual Underwriting

9.692%

9.250%

$3,179.64

$6,426.60

$535.55

$1,138.44

$94.87

$0.00

$3,810.06

$7,112.14

N/A

XXXX

$0.00

XXXX

36.29%

36.14%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

50.00%

N/A

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

Borrower - 2024, 2023

XXXX

xxxxxx4439

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

07/25/2024

6.760%

Manual Underwriting

9.438%

9.125%

$3,457.94

$11,142.96

$928.58

$3,882.96

$323.58

$0.00

$233.00

$4,943.10

$16,535.88

N/A

XXXX

$0.00

XXXX

31.74%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

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

Borrower - 2024, 2023

XXXX

xxxxxx4263

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

08/13/2024

6.430%

Manual Underwriting

8.339%

7.999%

$3,004.48

$8,934.96

$744.58

$3,903.96

$325.33

$0.00

$4,074.39

$6,119.41

N/A

XXXX

$0.00

XXXX

44.87%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

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

Borrower - 2023, 2024

XXXX

xxxxxx8490

XXXX

ATR/QM: Exempt

Yes

N/A

08/06/2024

6.690%

Manual Underwriting

8.104%

7.990%

$3,665.34

Yes

7.990%

$9,969.00

$830.75

$11,700.00

$975.00

$0.00

$5,471.09

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.828

N/A

Borrower

XXXX

xxxxxx4807

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

07/25/2024

6.760%

Manual Underwriting

9.449%

8.999%

$1,440.95

$3,525.24

$293.77

$1,386.00

$115.50

$0.00

$1,850.22

$4,163.52

N/A

XXXX

$0.00

XXXX

31.37%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

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

Borrower - 2023, 2024

XXXX

xxxxxx6614

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

07/30/2024

6.800%

Manual Underwriting

9.217%

8.750%

$5,357.67

$14,377.32

$1,198.11

$1,166.04

$97.17

$399.96

$33.33

$0.00

$6,686.28

$15,469.32

N/A

XXXX

$33.33

XXXX

Annually

35.81%

35.61%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

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

Borrower - 2023, 2024

XXXX

xxxxxx1201

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

09/27/2024

6.040%

Manual Underwriting

6.798%

6.500%

$1,820.31

$5,356.68

$446.39

$1,440.96

$120.08

$1,860.00

$155.00

$0.00

$2,541.78

$7,739.02

N/A

XXXX

$155.00

XXXX

Monthly

34.06%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

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

Borrower - 2023, 2024

XXXX

xxxxxx2274

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.750%

$2,140.37

$3,890.76

$324.23

$2,318.04

$193.17

$0.00

$2,657.77

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.044

N/A

Borrower

XXXX

xxxxxx1955

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/01/2024

6.100%

Manual Underwriting

6.957%

6.750%

$2,697.77

$10,232.16

$852.68

$2,021.04

$168.42

$948.00

$79.00

$0.00

$3,797.87

$16,220.30

N/A

XXXX

$79.00

XXXX

Annually

39.03%

37.73%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

Stocks/Bonds

N/A

0.0

N/A

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

Borrower - 2023, 2024

XXXX

xxxxxx1097

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.990%

$2,982.48

$4,713.96

$392.83

$1,268.04

$105.67

$435.96

$36.33

$0.00

$3,517.31

N/A

XXXX

$36.33

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

0.768

0.75

N/A

Borrower

XXXX

xxxxxx5311

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

10/30/2024

6.590%

Manual Underwriting

8.190%

7.875%

$7,250.69

$5,600.88

$466.74

$7,543.56

$628.63

$0.00

$8,346.06

$21,413.69

N/A

XXXX

$0.00

XXXX

33.32%

Employed

Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

0.0

Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2022, 2023, 2024

Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2022, 2023, 2024

XXXX

xxxxxx0305

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.625%

$4,565.27

$5,041.08

$420.09

$5,785.32

$482.11

$0.00

$5,467.47

$58,034.80

N/A

XXXX

$0.00

XXXX

30.03%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

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

Borrower - 2023, 2024

XXXX

xxxxx1346

XXXX

ATR/QM: Exempt

N/A

11/08/2024

6.730%

Manual Underwriting

7.802%

7.375%

$1,795.76

$1,864.80

$155.40

$1,332.96

$111.08

$0.00

$2,062.24

$38,593.76

N/A

XXXX

$0.00

XXXX

25.22%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

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

Borrower - 2023, 2024

XXXX

xxxxx1375

XXXX

ATR/QM: Exempt

N/A

Appendix Q Documentation

Manual Underwriting

7.750%

$1,794.73

$5,480.16

$456.68

$1,001.88

$83.49

$3,132.00

$261.00

$0.00

$2,595.90

N/A

XXXX

$261.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.002

N/A

Borrower

XXXX

xxxxxx8521

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

11/22/2024

6.830%

Manual Underwriting

8.953%

8.750%

$4,124.28

$10,031.16

$835.93

$5,327.04

$443.92

$0.00

$5,404.13

$29,710.87

N/A

XXXX

$0.00

XXXX

17.47%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

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

Borrower - 2023, 2024

XXXX

xxxxx0180

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Appendix Q Documentation

11/13/2024

6.780%

Manual Underwriting

8.949%

8.500%

$4,356.74

$7,980.60

$665.05

$4,542.60

$378.55

$0.00

$5,400.34

$7,850.17

N/A

XXXX

$0.00

XXXX

42.43%

43.01%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

0.0

N/A

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

Borrower - 2023, 2024

XXXX

xxxxx1365

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Appendix Q Documentation

11/15/2024

6.780%

Manual Underwriting

10.124%

9.750%

$3,436.62

$4,993.44

$416.12

$1,767.00

$147.25

$0.00

$3,999.99

$13,168.01

N/A

XXXX

$0.00

XXXX

36.84%

38.16%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

N/A

0.0

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified - 2023, 2024

Borrower - 2023, 2024

XXXX

xxxxxx0082

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.500%

$3,572.99

$2,786.76

$232.23

$1,441.92

$120.16

$4,224.00

$352.00

$0.00

$4,277.38

N/A

XXXX

$352.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.225

1.29

N/A

Borrower || Co Borrower

XXXX

xxxxxx0220

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.875%

9.125%

$852.69

$1,814.88

$151.24

$845.04

$70.42

$3,420.00

$285.00

$0.00

$1,359.35

Yes

XXXX

$285.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

N/A

0.00%

N/A

Yes

1.103

N/A

Borrower

XXXX

xxxxxx9585

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/14/2025

6.870%

Manual Underwriting

7.076%

7.000%

$16,632.56

$33,537.96

$2,794.83

$2,952.00

$246.00

$0.00

$19,673.39

$34,538.03

N/A

XXXX

$0.00

XXXX

37.69%

Self-Employed

1YR Full Doc

1 YR W2

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023 - 2023

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2023 - 2023

XXXX

xxxxxx9101

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/07/2025

6.920%

Manual Underwriting

9.228%

9.000%

$3,862.19

$2,901.12

$241.76

$2,511.96

$209.33

$0.00

$4,313.28

$28,934.57

N/A

XXXX

$0.00

XXXX

15.93%

15.99%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor - 1 YR 1099 Verified - 2024 - 2024

Borrower - 2024 - 2024

XXXX

xxxxxx1602

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,349.12

$793.92

$66.16

$4,735.44

$394.62

$5,544.00

$462.00

$0.00

$2,271.90

$5,717.98

Yes

XXXX

$462.00

XXXX

Monthly

68.00%

49.89%

Yes

Employed

1YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

N/A

Borrower - Wage, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, Award Letter Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx9662

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.625%

$1,388.35

$4,386.00

$365.50

$1,916.04

$159.67

$0.00

$1,913.52

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.411

N/A

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

XXXX

xxxxxx6822

XXXX

ATR/QM: Exempt

N/A

03/04/2025

6.730%

Manual Underwriting

8.908%

8.500%

$980.36

$2,277.36

$189.78

$2,025.96

$168.83

$0.00

$1,338.97

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.053

1.05

N/A

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

XXXX

xxxxxx3246

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.750%

$1,530.92

$2,531.76

$210.98

$3,099.00

$258.25

$0.00

$2,000.15

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.3

1.31

N/A

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

XXXX

xxxxxx9270

XXXX

ATR/QM: Exempt

Yes

N/A

02/27/2025

6.850%

Manual Underwriting

9.400%

8.875%

$2,207.91

$3,000.84

$250.07

$1,529.88

$127.49

$0.00

$2,585.47

$28,626.01

N/A

XXXX

$0.00

XXXX

16.70%

20.36%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx7139

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/04/2025

6.730%

Manual Underwriting

8.957%

8.625%

$8,146.69

$22,985.04

$1,915.42

$3,338.04

$278.17

$4,776.00

$398.00

$0.00

$10,738.28

$25,439.51

N/A

XXXX

$398.00

XXXX

Monthly

36.65%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage, Commission - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2025, 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2025, 2024

Borrower - Executed 4506T Verified - 2025, 2024 || Co Borrower - Executed 4506T Verified - 2025, 2024

XXXX

xxxxxx2866

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/28/2025

6.850%

Manual Underwriting

9.019%

8.875%

$4,740.76

$6,663.00

$555.25

$2,859.96

$238.33

$99.96

$8.33

$0.00

$5,542.67

$47,590.80

N/A

XXXX

$8.33

XXXX

Annually

17.42%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx0623

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/28/2025

6.850%

Manual Underwriting

9.046%

8.625%

$3,293.94

$5,762.40

$480.20

$4,865.76

$405.48

$86.04

$7.17

$0.00

$4,186.79

$47,134.52

N/A

XXXX

$7.17

XXXX

Annually

29.05%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx9988

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.500%

$1,670.46

$1,659.60

$138.30

$1,390.56

$115.88

$0.00

$1,924.64

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.0

N/A

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

XXXX

xxxxxx0668

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.750%

$3,799.76

$8,625.00

$718.75

$997.20

$83.10

$0.00

$4,601.61

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.858

0.86

N/A

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

XXXX

xxxxxx0954

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/19/2025

6.880%

Manual Underwriting

8.976%

8.625%

$1,467.69

$4,719.96

$393.33

$1,478.04

$123.17

$0.00

$1,984.19

$6,894.71

N/A

XXXX

$0.00

XXXX

22.54%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx2222

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/05/2025

6.730%

Manual Underwriting

8.910%

8.625%

$8,400.13

$15,000.00

$1,250.00

$4,971.96

$414.33

$0.00

$10,064.46

$59,277.88

N/A

XXXX

$0.00

XXXX

18.00%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

50.00%

Stocks/Bonds

N/A

Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 || Co Borrower

Borrower - 2024, 2025 || Co Borrower

XXXX

xxxxxx0515

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/26/2025

6.850%

Manual Underwriting

7.772%

7.625%

$5,210.42

$8,917.92

$743.16

$1,901.16

$158.43

$7,584.00

$632.00

$0.00

$6,744.01

$11,070.33

Yes

XXXX

$632.00

XXXX

Monthly

49.95%

40.43%

48.28%

Employed

1YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage, Other - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - 2024, 2025

Borrower - 1 YR Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx1104

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$1,022.60

$4,994.52

$416.21

$812.04

$67.67

$0.00

$1,506.48

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.527

1.52

N/A

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

XXXX

xxxxxx1557

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.625%

$2,494.97

$6,057.36

$504.78

$8,037.84

$669.82

$0.00

$3,669.57

$6,915.42

N/A

XXXX

$0.00

XXXX

82.32%

32.84%

Yes

Employed

1YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2023

Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2023

XXXX

xxxxxx9626

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.875%

$3,625.35

$6,564.96

$547.08

$1,800.96

$150.08

$0.00

$4,322.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.787

N/A

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

XXXX

xxxxxx1803

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

$1,484.99

$7,440.24

$620.02

$4,752.00

$396.00

$339.96

$28.33

$0.00

$2,529.34

N/A

XXXX

$28.33

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.067

N/A

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

XXXX

xxxxxx0147

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$1,524.17

$6,424.32

$535.36

$814.20

$67.85

$768.00

$64.00

$0.00

$2,191.38

N/A

XXXX

$64.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

N/A

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

XXXX

xxxxxx1134

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,400.00

$6,022.92

$501.91

$2,889.72

$240.81

$0.00

$2,142.72

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.027

1.02

N/A

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified

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

XXXX

xxxxxx1657

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

02/27/2025

6.850%

Manual Underwriting

8.672%

8.500%

$3,258.27

$7,433.28

$619.44

$2,996.04

$249.67

$954.00

$79.50

$0.00

$4,206.88

$11,427.12

N/A

XXXX

$79.50

XXXX

Annually

49.94%

49.42%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor - 1 YR 1099 Verified - 2024 - 2024

Borrower - 2024 - 2024

XXXX

xxxxxx0639

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$1,166.42

7.625%

$1,997.75

$4,380.00

$365.00

$1,360.92

$113.41

$0.00

$2,476.16

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.212

1.21

N/A

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

XXXX

xxxxxx1028

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,678.58

Yes

10.625%

$3,213.00

$267.75

$3,266.16

$272.18

$0.00

$2,218.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.262

1.26

N/A

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

XXXX

xxxxxx9684

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/07/2025

6.730%

Manual Underwriting

9.084%

8.750%

$10,699.13

$11,899.92

$991.66

$4,377.60

$364.80

$0.00

$12,055.59

$116,048.33

N/A

XXXX

$0.00

XXXX

22.81%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 || Co Borrower

Borrower - 2024, 2025 || Co Borrower

XXXX

xxxxxx2409

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$1,685.63

$8,250.60

$687.55

$2,947.08

$245.59

$260.04

$21.67

$0.00

$2,640.44

N/A

XXXX

$21.67

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.013

1.012

N/A

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

XXXX

xxxxxx1882

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$1,331.14

7.250%

$8,036.04

$42,464.40

$3,538.70

$3,027.96

$252.33

$0.00

$11,827.07

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.846

0.84

N/A

XXXX

xxxxxx9189

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$1,268.87

$3,911.04

$325.92

$5,470.44

$455.87

$0.00

$2,050.66

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.365

1.35

N/A

XXXX

xxxxxx8316

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/03/2025

6.730%

Manual Underwriting

9.619%

9.125%

$1,822.54

$1,797.60

$149.80

$1,451.16

$120.93

$0.00

$2,093.27

$2,607.43

N/A

XXXX

$0.00

XXXX

47.86%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1153

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

$1,443.41

Yes

12.125%

$3,207.36

$267.28

$2,031.00

$169.25

$0.00

$1,879.94

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.128

2.13

N/A

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

XXXX

xxxxxx1005

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/18/2025

6.650%

Manual Underwriting

6.850%

6.750%

$9,132.26

$19,697.64

$1,641.47

$3,429.72

$285.81

$0.00

$11,059.54

$15,885.27

N/A

XXXX

$0.00

XXXX

41.76%

Employed

2YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

Stocks/Bonds

N/A

Borrower - Wage, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025

Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025

XXXX

xxxxxx0995

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/20/2025

6.650%

Manual Underwriting

8.950%

8.750%

$1,466.73

$874.68

$72.89

$1,480.80

$123.40

$2,688.00

$224.00

$0.00

$1,887.02

$3,574.91

N/A

XXXX

$224.00

XXXX

Annually

49.64%

Not Employed

1YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

Proceeds from Sale

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Retirement, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025

Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025

XXXX

xxxxxx0401

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/20/2025

6.650%

Manual Underwriting

8.534%

8.499%

$10,671.54

$22,339.20

$1,861.60

$1,904.04

$158.67

$0.00

$12,691.81

$20,241.67

N/A

XXXX

$0.00

XXXX

38.75%

Employed

Retired

1YR Full Doc

1 YR W2

2+ Months

N/A

Yes

N/A

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Overtime and Bonus - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - SSI and Disability - Award Letter Verified - 2024, 2025

Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx0909

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/22/2025

6.650%

Manual Underwriting

8.432%

7.875%

$1,844.58

$2,608.32

$217.36

$1,542.96

$128.58

$0.00

$2,190.52

$12,025.12

N/A

XXXX

$0.00

XXXX

15.93%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9505

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/05/2025

6.730%

Manual Underwriting

8.276%

7.999%

$5,135.86

$8,397.72

$699.81

$4,079.04

$339.92

$0.00

$6,175.59

$33,850.08

N/A

XXXX

$0.00

XXXX

26.30%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024

Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024

XXXX

xxxxxx9839

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/18/2025

6.650%

Manual Underwriting

7.663%

7.375%

$5,939.81

$13,437.48

$1,119.79

$4,423.92

$368.66

$0.00

$7,428.26

$10,934.29

N/A

XXXX

$0.00

XXXX

41.74%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9181

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$2,613.88

Yes

11.875%

$4,408.92

$367.41

$1,434.24

$119.52

$12,336.00

$1,028.00

$0.00

$4,128.81

Yes

XXXX

$1,028.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.647

1.65

N/A

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

XXXX

xxxxxx8984

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/11/2025

6.620%

Manual Underwriting

7.043%

6.625%

$2,266.70

$8,279.52

$689.96

$3,505.68

$292.14

$0.00

$3,248.80

$32,957.93

N/A

XXXX

$0.00

XXXX

14.15%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1007

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/19/2025

6.650%

Manual Underwriting

7.090%

6.999%

$3,294.25

$6,408.84

$534.07

$3,241.44

$270.12

$0.00

$4,098.44

$14,888.81

N/A

XXXX

$0.00

XXXX

33.57%

Not Employed

Asset Utilization (DTI)

N/A

60.0

Yes

N/A

0.00%

Stocks/Bonds

N/A

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

Borrower - Executed 4506T Verified || Co Borrower

XXXX

xxxxxx9140

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/11/2025

6.620%

Manual Underwriting

6.861%

6.750%

$5,629.83

$13,655.04

$1,137.92

$9,068.16

$755.68

$0.00

$7,523.43

$23,687.59

N/A

XXXX

$0.00

XXXX

24.25%

Employed

2YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

Stocks/Bonds

N/A

Yes

132

Work Number

N/A

Borrower - Wage, Commission - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2021, 2022

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025, 2021, 2022

XXXX

xxxxxx1683

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/24/2025

6.660%

Manual Underwriting

7.148%

6.999%

$4,124.46

$9,687.48

$807.29

$1,601.16

$133.43

$3,744.00

$312.00

$0.00

$5,377.18

$8,884.82

N/A

XXXX

$312.00

XXXX

Monthly

40.77%

Employed

1YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Yes

Other

N/A

Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025

XXXX

xxxxxx9328

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/25/2025

6.660%

Manual Underwriting

7.932%

7.750%

$1,499.45

$7,004.76

$583.73

$1,799.04

$149.92

$750.00

$62.50

$0.00

$2,295.60

$3,657.97

N/A

XXXX

$62.50

XXXX

Annually

48.50%

48.49%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx0439

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/13/2025

6.620%

Manual Underwriting

6.561%

6.499%

$6,224.30

$21,941.16

$1,828.43

$9,330.96

$777.58

$3,182.04

$265.17

$0.00

$9,095.48

$29,496.19

N/A

XXXX

$265.17

XXXX

Annually

27.02%

Employed

1YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

N/A

Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025

Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025

XXXX

xxxxxx9614

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/24/2025

6.660%

Manual Underwriting

9.630%

9.375%

$1,422.29

$3,475.44

$289.62

$5,002.68

$416.89

$0.00

$2,128.80

$4,082.62

N/A

XXXX

$0.00

XXXX

49.43%

Self-Employed

12 Month Bank Statement

N/A

Yes

76.40%

100.00%

N/A

Borrower - SESoleProprietor, Retirement - Award Letter Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx5644

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/04/2025

6.730%

Manual Underwriting

7.402%

6.999%

$4,290.77

$10,849.80

$904.15

$1,083.00

$90.25

$0.00

$5,285.17

$24,119.91

N/A

XXXX

$0.00

XXXX

17.97%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024

Borrower - 2025, 2024

XXXX

xxxxxx0737

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/18/2025

6.650%

Manual Underwriting

8.024%

7.625%

$2,335.72

$3,365.28

$280.44

$3,428.28

$285.69

$0.00

$2,901.85

$36,136.30

N/A

XXXX

$0.00

XXXX

16.67%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9793

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/11/2025

6.620%

Manual Underwriting

6.798%

6.750%

$9,696.54

$41,256.72

$3,438.06

$13,549.80

$1,129.15

$0.00

$14,263.75

$85,364.35

N/A

XXXX

$0.00

XXXX

33.67%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx8452

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/27/2025

6.660%

Manual Underwriting

8.958%

8.750%

$10,620.46

$8,116.80

$676.40

$2,856.36

$238.03

$0.00

$11,534.89

$22,390.29

N/A

XXXX

$0.00

XXXX

49.75%

48.83%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 || Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx1261

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/18/2025

6.650%

Manual Underwriting

6.842%

6.499%

$4,297.62

$10,625.04

$885.42

$729.96

$60.83

$0.00

$5,243.87

$25,496.06

N/A

XXXX

$0.00

XXXX

41.13%

41.11%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9931

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/10/2025

6.620%

Manual Underwriting

6.808%

6.499%

$2,831.37

$2,419.80

$201.65

$5,562.00

$463.50

$2,160.00

$180.00

$0.00

$3,676.52

$6,605.56

N/A

XXXX

$180.00

XXXX

Monthly

36.18%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx0038

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$4,655.63

$12,437.52

$1,036.46

$3,006.00

$250.50

$0.00

$5,942.59

$16,295.21

N/A

XXXX

$0.00

XXXX

31.80%

Yes

Self-Employed

2YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

50.00%

100.00%

N/A

Borrower - SEPartnership, SEPartnership, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 || Co Borrower - SEPartnership, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024

XXXX

xxxxxx0304

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/17/2025

6.650%

Manual Underwriting

7.311%

6.875%

$2,575.16

$3,811.44

$317.62

$1,146.84

$95.57

$0.00

$2,988.35

$5,749.24

N/A

XXXX

$0.00

XXXX

40.50%

41.08%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx7276

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/10/2025

6.620%

Manual Underwriting

6.806%

6.750%

$6,849.14

$18,000.00

$1,500.00

$2,582.52

$215.21

$0.00

$8,564.35

$29,511.45

N/A

XXXX

$0.00

XXXX

23.21%

Self-Employed

1YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

100.00%

Stocks/Bonds

Borrower Prepared

Borrower

N/A

Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025

XXXX

xxxxxx7986

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/25/2025

6.660%

Manual Underwriting

7.171%

7.125%

$9,095.20

$13,925.40

$1,160.45

$9,788.04

$815.67

$0.00

$11,071.32

$50,307.82

N/A

XXXX

$0.00

XXXX

26.78%

27.04%

Employed

1YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Yes

183

Work Number

N/A

Borrower - Wage, Commission - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2021, 2022, 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2021, 2022, 2023, 2024, 2025

XXXX

xxxxxx0941

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/20/2025

6.650%

Manual Underwriting

7.635%

7.499%

$2,139.39

$10,269.72

$855.81

$3,608.64

$300.72

$60.84

$5.07

$0.00

$3,300.99

$4,566.32

N/A

XXXX

$5.07

XXXX

Annually

46.81%

47.14%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx0881

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/17/2025

6.650%

Manual Underwriting

6.846%

6.499%

$3,286.41

$4,734.24

$394.52

$1,385.04

$115.42

$0.00

$3,796.35

$13,402.47

N/A

XXXX

$0.00

XXXX

37.03%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx9621

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/07/2025

6.730%

Manual Underwriting

6.784%

6.499%

$3,030.45

$2,982.60

$248.55

$605.16

$50.43

$1,800.00

$150.00

$0.00

$3,479.43

$6,633.09

Yes

XXXX

$150.00

XXXX

Monthly

35.43%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx0985

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/18/2025

6.650%

Manual Underwriting

8.129%

7.750%

$2,095.51

$1,735.80

$144.65

$759.96

$63.33

$0.00

$2,303.49

$7,503.91

N/A

XXXX

$0.00

XXXX

24.56%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx1339

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/24/2025

6.660%

Manual Underwriting

7.611%

7.250%

$2,483.12

$5,258.28

$438.19

$2,361.36

$196.78

$0.00

$3,118.09

$3,653.23

N/A

XXXX

$0.00

XXXX

46.44%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower || Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025

Borrower || Co Borrower - 2024, 2025

XXXX

xxxxxx0892

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/26/2025

6.660%

Manual Underwriting

7.372%

7.250%

$10,096.21

$14,308.32

$1,192.36

$8,933.04

$744.42

$800.04

$66.67

$0.00

$12,099.66

$30,692.34

N/A

XXXX

$66.67

XXXX

Annually

30.16%

30.41%

Self-Employed

Employed

1YR Full Doc

1 YR W2

2 YRS W2

1 Month

N/A

Yes

0.00%

100.00%

0.00%

N/A

Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023 || Co Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2024, 2023, 2025

Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023 || Co Borrower - Executed 4506T Verified - 2024, 2023, 2025

XXXX

xxxxxx0245

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/12/2025

6.620%

Manual Underwriting

6.571%

6.375%

$5,646.02

$15,269.16

$1,272.43

$1,305.96

$108.83

$0.00

$7,027.28

$13,293.74

N/A

XXXX

$0.00

XXXX

44.83%

Employed

1YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

Stocks/Bonds

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025

XXXX

xxxxxx9556

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/07/2025

6.620%

Manual Underwriting

7.154%

6.750%

$3,359.74

$8,749.08

$729.09

$1,790.04

$149.17

$1,872.00

$156.00

$0.00

$4,394.00

$6,081.01

N/A

XXXX

$156.00

XXXX

Monthly

47.99%

Self-Employed

12 Month Bank Statement

N/A

Yes

58.71%

50.00%

N/A

Borrower - SEPartnership - Personal Bank Statements Verified - 2024, 2025 || Co Borrower - SEPartnership - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx7417

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/07/2025

6.730%

Manual Underwriting

7.764%

7.250%

$2,455.83

$7,387.20

$615.60

$2,955.00

$246.25

$0.00

$3,317.68

$109,115.79

N/A

XXXX

$0.00

XXXX

5.52%

Yes

Self-Employed

Business P&L

N/A

Yes

Missing

0.00%

100.00%

Audited

Tax Preparer

Yes

120

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1858

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/25/2025

6.660%

Manual Underwriting

6.925%

6.375%

$1,871.61

$6,225.00

$518.75

$1,289.04

$107.42

$800.04

$66.67

$0.00

$2,564.45

$9,808.12

N/A

XXXX

$66.67

XXXX

Annually

33.33%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx9358

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/05/2025

6.730%

Manual Underwriting

6.811%

6.625%

$9,028.38

$5,266.08

$438.84

$3,725.04

$310.42

$0.00

$9,777.64

$78,936.84

N/A

XXXX

$0.00

XXXX

18.69%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1939

XXXX

ATR/QM: Exempt

Yes

N/A

03/25/2025

6.660%

Manual Underwriting

7.395%

7.125%

$3,107.53

$11,700.84

$975.07

$3,493.08

$291.09

$0.00

$4,373.69

$40,982.14

N/A

XXXX

$0.00

XXXX

35.73%

36.17%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1188

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/20/2025

6.650%

Manual Underwriting

6.599%

6.499%

$7,931.63

$29,437.56

$2,453.13

$5,610.00

$467.50

$972.00

$81.00

$0.00

$10,933.26

$50,751.25

N/A

XXXX

$81.00

XXXX

Monthly

23.57%

Employed

Asset Utilization (DTI)

2 YRS W2

1 Month

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - 2023, 2024, 2025

Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025

XXXX

xxxxxx9956

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/12/2025

6.620%

Manual Underwriting

6.821%

6.750%

$4,244.16

$11,625.00

$968.75

$1,158.12

$96.51

$4,824.00

$402.00

$0.00

$5,711.42

$8,454.48

Yes

XXXX

$402.00

XXXX

Monthly

40.81%

40.82%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower

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

XXXX

xxxxxx1651

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/10/2025

6.620%

Manual Underwriting

6.551%

6.499%

$7,173.86

$11,628.48

$969.04

$2,276.04

$189.67

$0.00

$8,332.57

$26,488.80

N/A

XXXX

$0.00

XXXX

42.16%

43.74%

Employed

1YR Full Doc

2 YRS W2

2+ Months

1 Month

N/A

Yes

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage, Overtime and Bonus, Other - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 || Co Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025

XXXX

xxxxxx1073

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/25/2025

6.660%

Manual Underwriting

6.588%

6.499%

$5,095.52

$13,437.48

$1,119.79

$1,102.20

$91.85

$0.00

$6,307.16

$12,047.57

N/A

XXXX

$0.00

XXXX

35.75%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1977

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/25/2025

6.660%

Manual Underwriting

6.608%

6.499%

$3,670.67

$9,075.00

$756.25

$1,213.44

$101.12

$8,041.32

$670.11

$0.00

$5,198.15

$8,921.52

Yes

XXXX

$670.11

XXXX

Monthly

37.02%

Employed

1YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025

Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025

XXXX

xxxxxx9802

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/20/2025

6.650%

Manual Underwriting

7.775%

7.499%

$8,389.75

$18,493.56

$1,541.13

$3,600.96

$300.08

$0.00

$10,230.96

$21,652.66

N/A

XXXX

$0.00

XXXX

42.07%

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

2+ Months

N/A

Yes

4.17%

100.00%

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 || Co Borrower - Wage, Commission - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025

XXXX

xxxxxx1331

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/24/2025

6.660%

Manual Underwriting

7.358%

6.999%

$1,300.54

$3,960.12

$330.01

$1,923.00

$160.25

$1,899.96

$158.33

$0.00

$1,949.13

$7,185.12

N/A

XXXX

$158.33

XXXX

Annually

22.48%

Not Employed

Asset Utilization (DTI)

N/A

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion - Executed 4506T Verified

Borrower - Executed 4506T Verified

XXXX

xxxxxx9436

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/04/2025

6.730%

Manual Underwriting

6.810%

6.750%

$6,353.02

$18,750.00

$1,562.50

$3,104.04

$258.67

$0.00

$8,174.19

$90,614.27

N/A

XXXX

$0.00

XXXX

8.82%

9.05%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1722

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/24/2025

6.660%

Manual Underwriting

6.842%

6.750%

$6,569.00

$19,308.36

$1,609.03

$4,990.08

$415.84

$0.00

$8,593.87

$20,391.35

N/A

XXXX

$0.00

XXXX

37.75%

37.90%

Employed

Retired

2YR Full Doc

2 YRS W2

2+ Months

Yes

N/A

Yes

N/A

0.00%

100.00%

0.00%

Stocks/Bonds,Proceeds from Sale

Borrower Prepared

Borrower

N/A

Borrower - Wage, SESCorp, SESCorp - 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 || Co Borrower - SSI and Disability, SSI and Disability, SSI and Disability, SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2025

Borrower - 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025

XXXX

xxxxxx9952

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/16/2025

6.700%

Manual Underwriting

6.929%

6.750%

$5,701.18

$19,363.20

$1,613.60

$8,640.00

$720.00

$0.00

$8,034.78

$23,139.59

N/A

XXXX

$0.00

XXXX

28.35%

28.33%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1724

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/16/2025

6.700%

Manual Underwriting

7.551%

7.125%

$3,749.24

$11,204.88

$933.74

$2,195.04

$182.92

$0.00

$4,865.90

$12,409.14

N/A

XXXX

$0.00

XXXX

35.47%

35.03%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

70.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1806

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/25/2025

6.660%

Manual Underwriting

7.703%

7.375%

$2,348.30

$5,312.52

$442.71

$1,425.00

$118.75

$0.00

$2,909.76

$5,592.92

N/A

XXXX

$0.00

XXXX

34.72%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 || Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2024, 2025

XXXX

xxxxxx1004

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/20/2025

6.650%

Manual Underwriting

7.116%

6.999%

$1,995.71

$6,109.56

$509.13

$2,925.60

$243.80

$2,040.00

$170.00

$0.00

$2,918.64

$21,216.90

N/A

XXXX

$170.00

XXXX

Monthly

22.18%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx1677

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/25/2025

6.660%

Manual Underwriting

7.167%

6.999%

$8,781.11

$21,278.40

$1,773.20

$6,158.04

$513.17

$0.00

$11,067.48

$9,326.59

N/A

XXXX

$0.00

XXXX

54.70%

Employed

Not Employed

1YR Full Doc

2+ Months

N/A

Yes

N/A

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage, Overtime and Bonus - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower

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

XXXX

xxxxxx0287

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/28/2025

6.660%

Manual Underwriting

6.569%

6.500%

$13,083.81

$36,375.00

$3,031.25

$4,693.92

$391.16

$7,656.00

$638.00

$0.00

$17,144.22

$25,948.62

N/A

XXXX

$638.00

XXXX

Monthly

39.78%

Self-Employed

2YR Full Doc

2 YRS W2

N/A

Yes

60.0

Yes

0.00%

100.00%

Stocks/Bonds

Borrower Prepared

Borrower

N/A

Borrower - SESCorp, SESCorp, Asset Depletion - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025

XXXX

xxxxxx1751

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/27/2025

6.660%

Manual Underwriting

6.638%

6.500%

$7,683.42

$19,842.12

$1,653.51

$6,909.00

$575.75

$1,275.96

$106.33

$0.00

$10,019.01

$34,647.99

N/A

XXXX

$106.33

XXXX

Annually

35.90%

Self-Employed

Not Employed

1YR Full Doc

2 YRS W2

N/A

Yes

N/A

0.00%

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1, 1120S), 2 YRS W2 Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 || Co Borrower

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1, 1120S), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 || Co Borrower

XXXX

xxxxxx9513

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.625%

$697.68

Yes

18.000%

$1,534.68

$127.89

$1,206.60

$100.55

$0.00

$926.12

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.188

N/A

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

XXXX

xxxxxx1159

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,397.94

Yes

18.000%

$2,503.92

$208.66

$2,359.68

$196.64

$0.00

$1,803.24

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.386

N/A

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

XXXX

xxxxxx9297

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/24/2025

6.660%

Manual Underwriting

7.791%

7.375%

$1,563.69

$2,678.40

$223.20

$2,181.96

$181.83

$129.96

$10.83

$0.00

$1,979.55

$8,812.81

N/A

XXXX

$10.83

XXXX

Annually

25.78%

Retired

Not Employed

Asset Utilization (DTI)

2 YRS 1099

N/A

Yes

60.0

Yes

N/A

0.00%

N/A

Borrower - Retirement, Asset Depletion - 2 YRS 1099 Verified, IRS Transcripts Verified, Personal Bank Statements Verified - 2024, 2025 || Co Borrower

Borrower - IRS Transcripts Verified - 2024, 2025 || Co Borrower

XXXX

xxxxxx0736

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/22/2025

6.810%

Manual Underwriting

6.807%

6.625%

$9,064.41

$22,119.12

$1,843.26

$938.04

$78.17

$3,000.00

$250.00

$0.00

$11,235.84

$44,053.48

N/A

XXXX

$250.00

XXXX

Monthly

24.29%

23.39%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1437

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/11/2025

6.620%

Manual Underwriting

6.651%

6.499%

$9,909.80

$31,330.08

$2,610.84

$13,975.44

$1,164.62

$3,129.96

$260.83

$0.00

$13,946.09

$96,317.21

N/A

XXXX

$260.83

XXXX

Annually

14.27%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1250

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/20/2025

6.650%

Manual Underwriting

7.839%

7.499%

$4,250.81

$9,500.04

$791.67

$2,560.32

$213.36

$5,580.00

$465.00

$0.00

$5,720.84

$12,357.78

N/A

XXXX

$465.00

XXXX

Monthly

31.85%

Self-Employed

12 Month Bank Statement

N/A

Yes

60.0

Yes

27.07%

100.00%

N/A

Borrower - SESoleProprietor, Asset Depletion, Maintenance, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx1587

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/22/2025

6.810%

Manual Underwriting

7.655%

7.250%

$3,108.68

$5,293.08

$441.09

$3,190.56

$265.88

$0.00

$3,815.65

$5,711.75

N/A

XXXX

$0.00

XXXX

44.00%

48.14%

Employed

1YR Full Doc

1 YR W2

2 YRS W2

2+ Months

N/A

Yes

0.00%

N/A

Yes

Work Number

Yes

Work Number

N/A

Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Commission, Commission - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025

XXXX

xxxxxx1254

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/22/2025

6.810%

Manual Underwriting

7.237%

6.875%

$2,529.18

$4,377.24

$364.77

$1,172.04

$97.67

$0.00

$2,991.62

$36,017.25

N/A

XXXX

$0.00

XXXX

8.06%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

80.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx5487

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/11/2025

6.620%

Manual Underwriting

7.106%

6.875%

$5,189.70

$12,944.28

$1,078.69

$2,139.96

$178.33

$600.00

$50.00

$0.00

$6,496.72

$63,628.00

N/A

XXXX

$50.00

XXXX

Annually

10.16%

10.69%

Retired

Asset Utilization (DTI)

1 YR 1099

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Retirement, SSI and Disability, Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, Executed 4506T Verified, Award Letter Verified - 2024, 2025 || Co Borrower - SSI and Disability - Executed 4506T Verified - 2025 - 2025

Borrower - Executed 4506T Verified - 2024, 2025 || Co Borrower - Executed 4506T Verified - 2025 - 2025

XXXX

xxxxxx1288

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/21/2025

6.650%

Manual Underwriting

6.689%

6.625%

$13,792.30

$31,686.84

$2,640.57

$11,233.20

$936.10

$0.00

$17,368.97

$35,400.37

N/A

XXXX

$0.00

XXXX

39.95%

40.89%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025

Borrower - Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx9511

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/06/2025

6.730%

Manual Underwriting

6.445%

6.375%

$1,996.38

$5,190.84

$432.57

$2,858.04

$238.17

$0.00

$2,667.12

$7,870.14

N/A

XXXX

$0.00

XXXX

27.36%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower || Co Borrower - SESoleProprietor - Business Bank Statements Verified

Borrower || Co Borrower

XXXX

xxxxxx1705

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

03/24/2025

6.660%

Manual Underwriting

7.611%

7.375%

$25,589.51

$119,244.00

$9,937.00

$31,003.08

$2,583.59

$0.00

$38,110.10

$444,839.17

N/A

XXXX

$0.00

XXXX

11.19%

11.49%

Yes

Self-Employed

Business P&L

N/A

Yes

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx0195

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

04/30/2025

6.880%

Manual Underwriting

6.836%

6.625%

$3,374.44

$6,328.20

$527.35

$1,310.04

$109.17

$0.00

$4,010.96

$10,876.35

N/A

XXXX

$0.00

XXXX

37.75%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

65.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx4504

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.999%

$11,974.24

$11,506.08

$958.84

$11,348.28

$945.69

$0.00

$13,878.77

$105,269.41

N/A

XXXX

$0.00

XXXX

28.79%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx4955

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

05/07/2025

6.740%

Manual Underwriting

7.413%

6.999%

6.990%

$2,660.94

$8,250.60

$687.55

$3,296.04

$274.67

$0.00

$3,623.16

$7,238.34

N/A

XXXX

$0.00

XXXX

45.89%

45.07%

Self-Employed

12 Month Bank Statement

N/A

Yes

101.51%

100.00%

N/A

Borrower - SESoleProprietor, Investment Income - Personal Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

xxxxxx5429

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

05/07/2025

6.740%

Manual Underwriting

7.419%

7.125%

$4,796.88

$11,124.96

$927.08

$3,017.04

$251.42

$0.00

$5,975.38

$19,260.37

N/A

XXXX

$0.00

XXXX

23.77%

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

88.88%

100.00%

0.00%

N/A

Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025

Borrower - 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025

XXXX

xxxxxx8406

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

05/08/2025

6.740%

Manual Underwriting

9.011%

8.750%

$11,328.49

$20,000.04

$1,666.67

$2,376.00

$198.00

$0.00

$13,193.16

$39,607.01

N/A

XXXX

$0.00

XXXX

27.40%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025

Borrower - 2024, 2025

XXXX

Loan ID

Qualifying Credit Score

Third Wage Earner Original FICO Equifax

Third Wage Earner Original FICO Experian

Third Wage Earner Original FICO Transunion

Fourth Wage Earner Original FICO Equifax

Fourth Wage Earner Original FICO Experian

Fourth Wage Earner Original FICO Transunion

Most Recent Co Borrower 2 FICO

Most Recent Co Borrower 3 FICO

Updated Credit Report Flag

Updated Credit Report Date

Updated FICO Method

Primary Wage Earner Updated FICO Equifax

Primary Wage Earner Updated FICO Experian

Primary Wage Earner Updated FICO Transunion

Secondary Wage Earner Updated FICO Equifax

Secondary Wage Earner Updated FICO Experian

Secondary Wage Earner Updated FICO Transunion

Third Wage Earner Updated FICO Equifax

Third Wage Earner Updated FICO Experian

Third Wage Earner Updated FICO Transunion

Fourth Wage Earner Updated FICO Equifax

Fourth Wage Earner Updated FICO Experian

Fourth Wage Earner Updated FICO Transunion

Updated Primary Borrower FICO

Updated Co Borrower FICO

Updated Co Borrower 2 FICO

Updated Co Borrower 3 FICO

Updated Qualifying FICO

Most Recent Bankruptcy Type

Most Recent Bankruptcy Filing Date

Most Recent Bankruptcy Discharge Date

Number of Bankruptcy Events

Months Bankruptcy 7 11

Months Bankruptcy 13

Most Recent Deed in Lieu Date

Number of Deed in Lieu Events

Months Deed in Lieu

Most Recent Short Sale Date

Number of Short Sale Events

Months Short Sale (or Pre FC)

Most Recent Foreclosure Date

Number of Foreclosure Events

Months Foreclosure

Prior Mortgage/Rent Lates 30d in 0-12m

Prior Mortgage/Rent Lates 60d in 0-12m

Prior Mortgage/Rent Lates 90d in 0-12m

Prior Mortgage/Rent Lates 120d+ in 0-12m

Prior Mortgage/Rent Lates 30d in 13-24m

Prior Mortgage/Rent Lates 60d in 13-24m

Prior Mortgage/Rent Lates 90d in 13-24m

Prior Mortgage/Rent Lates 120d+ in 13-24m

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Is Equity Shared Loan

Subordinate Lien Type

Subordinate Lien Max Draw Amount (HELOC)

Is Shared Appreciation Mortgage

Borrower Originator Citizenship Designation

Borrower Verified Citizenship Designation

Borrower Individual Tax Identification Number (ITIN)?

Borrower Photo Identification Type

Borrower Photo Identification Other Type

Borrower Photo ID State of Issuance

Borrower Photo ID Country of Issuance

Borrower Photo ID Expiration Date

Borrower Passport Country of Origin

Borrower Passport Expiration Date

Borrower Non-US Citizen Identification Document

Borrower Date of Resident Since/Valid Date

Borrower Non-US Document Expiration Date

Co Borrower Originator Citizenship Designation

Co Borrower Verified Citizenship Designation

Co Borrower Individual Tax Identification Number (ITIN)?

Co Borrower Photo Identification Type

Co Borrower Photo Identification Other Type

Co Borrower Photo ID State of Issuance

Co Borrower Photo ID Country of Issuance

Co Borrower Photo ID Expiration Date

Co Borrower Passport Country of Origin

Co Borrower Passport Expiration Date

Co Borrower Non-US Citizen Identification Document

Co Borrower Date of Resident Since/Valid Date

Co Borrower Non-US Document Expiration Date

Co Borrower 2 Originator Citizenship Designation

Co Borrower 2 Verified Citizenship Designation

Co Borrower 2 Individual Tax Identification Number (ITIN)?

Co Borrower 2 Photo Identification Type

Co Borrower 2 Photo Identification Other Type

Co Borrower 2 Photo ID State of Issuance

Co Borrower 2 Photo ID Country of Issuance

Co Borrower 2 Photo ID Expiration Date

Co Borrower 2 Passport Country of Origin

Co Borrower 2 Passport Expiration Date

Co Borrower 2 Non-US Citizen Identification Document

Co Borrower 2 Date of Resident Since/Valid Date

Co Borrower 2 Non-US Document Expiration Date

Co Borrower 3 Originator Citizenship Designation

Co Borrower 3 Verified Citizenship Designation

Co Borrower 3 Individual Tax Identification Number (ITIN)?

Co Borrower 3 Photo Identification Type

Co Borrower 3 Photo Identification Other Type

Co Borrower 3 Photo ID State of Issuance

Co Borrower 3 Photo ID Country of Issuance

Co Borrower 3 Photo ID Expiration Date

Co Borrower 3 Passport Country of Origin

Co Borrower 3 Passport Expiration Date

Co Borrower 3 Non-US Citizen Identification Document

Co Borrower 3 Date of Resident Since/Valid Date

Co Borrower 3 Non-US Document Expiration Date

Property Rights

Leasehold Lease Expiration Date

Buydown Flag

Assumable Mortgage Flag

Foreign National Alternative Credit Documentation

Liquid / Cash Reserves (ASF)

Months Liquid Reserves

Total Assets Available for Reserves

Months Reserves

Blanket Mortgage Flag

Qualifying HCLTV

Condo Warrantability Flag

E-Note Flag

O&E in lieu of Title Insurance

Business Purpose Flag

Borrower Note Executed As

Co Borrower Note Executed As

Co Borrower 2 Note Executed As

Co Borrower 3 Note Executed As

xxxxxx2568

735

XXXX

Unknown

Non Permanent Resident Alien

Undocumented Non-US Citizen

Yes - ITIN Letter/Certificate

Standard Driver's License - Not for federal use

United states

XXXX

Passport

XXXX

Fee Simple

N/A

47991.43

12.6

47991.43

12.6

84.95

N/A

Borrower As Individual

N/A

xxxxxx4439

691

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

63202.26

12.8

63202.26

12.8

85.0

N/A

Borrower As Individual

N/A

xxxxxx4263

736

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

36270.22

8.9

36270.22

8.9

90.0

N/A

Borrower As Individual

N/A

xxxxxx8490

677

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

486000.32

88.8

18.52

N/A

Yes

Borrower As Individual

N/A

xxxxxx4807

749

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

Employment Authorization Document (I-821D)

XXXX

Fee Simple

N/A

15409.66

8.3

15409.66

8.3

90.0

N/A

Borrower As Individual

N/A

xxxxxx6614

705

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

102915.79

15.4

55716.28

8.3

90.0

N/A

Borrower As Individual

N/A

xxxxxx1201

756

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

113680.44

44.7

113680.44

44.7

80.0

N/A

Borrower As Individual

N/A

xxxxxx2274

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

56207.30

21.1

377696.09

142.1

60.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1955

792

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

185594.70

59.2

185594.70

59.2

80.0

N/A

Borrower As Individual

N/A

xxxxxx1097

659

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

30014.64

8.5

30014.64

8.5

68.7

N/A

Yes

Borrower As Individual

N/A

xxxxxx5311

709

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

204351.33

24.5

204351.33

24.5

86.96

N/A

Borrower As Individual

N/A

xxxxxx0305

736

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

355224.48

65.0

406399.61

74.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxx1346

756

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

Employment Authorization Document (I-821D)

XXXX

Fee Simple

N/A

90241.58

43.8

90241.58

43.8

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxx1375

XXXX

Unknown

Foreign National

N/A

Passport

N/A

Colombia

XXXX

Work Visa

XXXX

Fee Simple

N/A

78533.73

30.3

78533.73

30.3

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx8521

688

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Passport

N/A

AUSTRALIA

XXXX

Work Visa

XXXX

Fee Simple

N/A

101116.20

18.7

101116.20

18.7

78.13

N/A

Borrower As Individual

N/A

xxxxx0180

741

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

Employment Authorization Document (I-821D)

XXXX

Fee Simple

N/A

36496.97

6.8

36496.97

6.8

85.0

N/A

Borrower As Individual

N/A

xxxxx1365

676

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Employment Authorization Card

N/A

United States

XXXX

Employment Authorization Document (I-821D)

XXXX

Fee Simple

N/A

19586.37

4.9

19586.37

4.9

80.0

N/A

Borrower As Individual

N/A

xxxxxx0082

XXXX

Unknown

Foreign National

N/A

Passport

N/A

Brazil

XXXX

Work Visa

XXXX

Passport

N/A

Brazil

XXXX

Brazil

XXXX

Work Visa

XXXX

Fee Simple

Foreign Credit Report

89245.39

20.9

89245.39

20.9

69.99

N/A

Yes

Borrower As Individual

N/A

xxxxxx0220

690

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

96859.20

71.3

70.0

Yes

Member on Behalf of Entity

N/A

xxxxxx9585

787

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

759760.32

38.6

759760.32

38.6

79.37

N/A

Borrower As Individual

N/A

xxxxxx9101

646

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

21403.67

5.0

21403.67

5.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx1602

754

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

222393.51

97.9

222393.51

97.9

75.0

Yes

Borrower As Individual

N/A

xxxxxx9662

751

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

58033.79

30.3

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx6822

728

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

118075.44

88.2

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx3246

648

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

15942.79

8.0

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx9270

653

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

226142.71

87.5

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx7139

646

XXXX

Unknown

US Citizen

N/A

Passport

N/A

United States

XXXX

N/A

XXXX

Passport

N/A

United States

XXXX

United States

XXXX

N/A

XXXX

Fee Simple

N/A

239177.26

22.3

239177.26

22.3

80.0

N/A

Borrower As Individual

N/A

xxxxxx2866

721

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

70775.75

12.8

70775.75

12.8

90.0

N/A

Borrower As Individual

N/A

xxxxxx0623

659

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

278580.91

66.5

70.0

N/A

Borrower As Individual

N/A

xxxxxx9988

639

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

117725.87

61.2

117725.87

61.2

56.43

N/A

Yes

Borrower As Individual

N/A

xxxxxx0668

715

XXXX

Unknown

US Citizen

N/A

Other

USA PATRIOT ACT INFORMATION FORM (Driver License)

United States

XXXX

N/A

XXXX

Fee Simple

N/A

106955.65

23.2

106955.65

23.2

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx0954

717

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

98623.71

49.7

98623.71

49.7

85.0

N/A

Borrower As Individual

N/A

xxxxxx2222

724

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

225944.98

22.5

225944.98

22.5

90.0

N/A

Borrower As Individual

N/A

xxxxxx0515

797

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

753978.78

110.7

903101.48

132.6

80.0

Yes

Borrower As Individual

N/A

xxxxxx1104

667

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

65093.63

43.2

65093.63

43.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1557

778

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

296117.00

80.7

296117.00

80.7

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx9626

772

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

211624.97

49.0

211624.97

49.0

45.45

N/A

Yes

Borrower As Individual

N/A

xxxxxx1803

850

XXXX

Unknown

Foreign National

N/A

Passport

N/A

Brazil

XXXX

Passport

XXXX

Fee Simple

Bank / Credit Reference

47020.76

18.6

47020.76

18.6

57.14

N/A

Yes

Borrower As Individual

N/A

xxxxxx0147

775

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

43737.07

20.0

43737.07

20.0

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx1134

761

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

16232.84

7.6

16232.84

7.6

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1657

670

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

17691.66

4.2

18411.93

4.4

75.0

N/A

Borrower As Individual

N/A

xxxxxx0639

730

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

35988.62

14.5

60.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx1028

760

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

4493.11

2.0

251639.30

113.4

63.94

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx9684

696

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

136271.66

11.3

933131.76

77.4

80.0

N/A

Borrower As Individual

N/A

xxxxxx2409

778

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

675753.45

255.9

675753.45

255.9

69.6

N/A

Yes

Borrower As Individual

N/A

xxxxxx1882

808

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1058520.01

89.5

1058520.01

89.5

25.22

N/A

Yes

Borrower As Individual

N/A

xxxxxx9189

743

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

7684.71

3.8

7684.71

3.8

49.3

N/A

Yes

Borrower As Individual

N/A

xxxxxx8316

678

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

10182.16

4.9

80.0

N/A

Borrower As Individual

N/A

xxxxxx1153

794

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

209407.67

111.4

209407.67

111.4

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1005

818

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

763068.79

69.0

763068.79

69.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx0995

672

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

302086.48

160.1

302086.48

160.1

53.79

N/A

Borrower As Individual

N/A

xxxxxx0401

706

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

101875.46

8.0

101875.46

8.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx0909

672

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

76197.86

34.8

76197.86

34.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx9505

693

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

10833.39

1.8

10833.39

1.8

73.68

N/A

Borrower As Individual

N/A

xxxxxx9839

702

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

479728.85

64.6

447478.85

60.2

80.0

N/A

Borrower As Individual

N/A

xxxxxx9181

689

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

116917.24

28.3

116917.24

28.3

70.0

Yes

Member on Behalf of Entity

N/A

xxxxxx8984

698

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

61359.57

18.9

61359.57

18.9

60.0

N/A

Borrower As Individual

N/A

xxxxxx1007

800

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

821584.23

200.5

821584.23

200.5

80.0

N/A

Borrower As Individual

N/A

xxxxxx9140

798

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

341131.13

45.3

341131.13

45.3

80.0

N/A

Borrower As Individual

N/A

xxxxxx1683

806

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

289448.12

53.8

289448.12

53.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx9328

686

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

54382.66

23.7

70.0

N/A

Borrower As Individual

N/A

xxxxxx0439

802

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

114566.76

12.6

114566.76

12.6

68.35

N/A

Borrower As Individual

N/A

xxxxxx9614

642

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1155.15

0.5

71800.87

33.7

75.0

N/A

Borrower As Individual

N/A

xxxxxx5644

744

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

22956.87

4.3

22956.87

4.3

78.18

N/A

Borrower As Individual

N/A

xxxxxx0737

788

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

139862.75

48.2

75.0

N/A

Borrower As Individual

N/A

xxxxxx9793

793

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

392223.40

27.5

846030.32

59.3

41.53

N/A

Borrower As Individual

N/A

xxxxxx8452

670

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

107187.84

9.3

75.0

N/A

Borrower As Individual

N/A

xxxxxx1261

747

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

70969.65

13.5

70969.65

13.5

80.0

N/A

Borrower As Individual

N/A

xxxxxx9931

810

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

112172.33

30.5

112172.33

30.5

80.0

N/A

Borrower As Individual

N/A

xxxxxx0038

801

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

475738.87

80.1

465738.87

78.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx0304

724

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

87102.73

29.2

87102.73

29.2

80.0

N/A

Borrower As Individual

N/A

xxxxxx7276

771

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1617178.48

188.8

1617178.48

188.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx7986

706

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

110861.89

10.0

110861.89

10.0

76.49

N/A

Borrower As Individual

N/A

xxxxxx0941

710

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

203884.42

61.8

48.19

N/A

Borrower As Individual

N/A

xxxxxx0881

741

XXXX

Unknown

US Citizen

N/A

Passport

N/A

United States

XXXX

N/A

XXXX

Fee Simple

N/A

95584.97

25.2

95584.97

25.2

80.0

N/A

Borrower As Individual

N/A

xxxxxx9621

814

XXXX

Unknown

US Citizen

N/A

Passport

N/A

United States

XXXX

N/A

XXXX

Fee Simple

N/A

24323.88

7.0

487340.70

140.1

70.0

Borrower As Individual

N/A

xxxxxx0985

783

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

5401.16

2.3

272743.75

118.4

75.0

N/A

Borrower As Individual

N/A

xxxxxx1339

661

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

19712.53

6.3

19712.53

6.3

56.61

N/A

Borrower As Individual

N/A

xxxxxx0892

800

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

424552.31

35.1

385176.62

31.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx0245

768

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

298863.78

42.5

298863.78

42.5

72.11

N/A

Borrower As Individual

N/A

xxxxxx9556

718

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

.00

0.0

203561.53

46.3

64.75

N/A

Borrower As Individual

N/A

xxxxxx7417

772

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

355374.94

107.1

355374.94

107.1

75.0

N/A

Borrower As Individual

N/A

xxxxxx1858

788

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

35703.75

16.1

35703.75

16.1

72.29

N/A

Borrower As Individual

N/A

xxxxxx9358

714

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

194495.10

19.9

194495.10

19.9

78.55

N/A

Borrower As Individual

N/A

xxxxxx1939

761

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

79154.63

18.1

79154.63

18.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1188

816

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

6017946.42

550.4

6017946.42

550.4

54.57

N/A

Borrower As Individual

N/A

xxxxxx9956

779

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

62652.92

11.0

62652.92

11.0

67.81

Yes

Borrower As Individual

N/A

xxxxxx1651

774

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

493467.41

59.2

493467.41

59.2

80.0

N/A

Borrower As Individual

N/A

xxxxxx1073

744

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

629332.12

99.8

327082.12

51.9

75.0

N/A

Borrower As Individual

N/A

xxxxxx1977

788

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

63021.09

12.1

63021.09

12.1

80.0

Yes

Borrower As Individual

N/A

xxxxxx9802

746

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Passport

N/A

United States

XXXX

USA

XXXX

N/A

XXXX

Fee Simple

N/A

69756.58

6.8

69756.58

6.8

36.92

N/A

Borrower As Individual

N/A

xxxxxx1331

804

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

515177.26

264.3

515177.26

264.3

69.57

N/A

Borrower As Individual

N/A

xxxxxx9436

711

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

460196.23

56.3

460196.23

56.3

65.3

N/A

Borrower As Individual

N/A

xxxxxx1722

773

XXXX

Unknown

US Citizen

N/A

Passport

N/A

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

902436.02

105.0

851796.02

99.1

60.0

N/A

Borrower As Individual

N/A

xxxxxx9952

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

57084.52

7.1

57084.52

7.1

78.13

N/A

Borrower As Individual

N/A

xxxxxx1724

679

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

53081.67

10.9

51548.32

10.6

70.0

N/A

Borrower As Individual

N/A

xxxxxx1806

756

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Real ID Driver's License

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

59688.25

20.5

55123.80

18.9

80.0

N/A

Borrower As Individual

N/A

xxxxxx1004

755

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

86975.73

29.8

86975.73

29.8

36.72

N/A

Borrower As Individual

N/A

xxxxxx1677

784

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

176660.57

16.0

176660.57

16.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx0287

749

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1107434.03

64.6

1107434.03

64.6

71.13

N/A

Borrower As Individual

N/A

xxxxxx1751

718

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1841605.20

183.8

1724836.55

172.2

60.0

N/A

Borrower As Individual

N/A

xxxxxx9513

666

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

75488.03

81.5

65.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1159

683

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

.00

0.0

194725.70

108.0

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx9297

745

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Standard Driver's License - Not for federal Use

United States

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

233908.67

118.2

233908.67

118.2

80.0

N/A

Borrower As Individual

N/A

xxxxxx0736

713

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

470674.88

41.9

470674.88

41.9

80.0

N/A

Borrower As Individual

N/A

xxxxxx1437

752

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1070344.75

76.8

1070344.75

76.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx1250

748

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

314612.85

55.0

314612.85

55.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx1587

684

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

13646.66

3.6

230059.42

60.3

70.0

N/A

Borrower As Individual

N/A

xxxxxx1254

760

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

N/A

1611.22

0.5

104816.70

35.0

71.3

N/A

Borrower As Individual

N/A

xxxxxx5487

790

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

632226.85

97.3

590963.76

91.0

78.61

N/A

Borrower As Individual

N/A

xxxxxx1288

774

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

527095.04

30.4

527095.04

30.4

67.31

N/A

Borrower As Individual

N/A

xxxxxx9511

720

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

United States

XXXX

N/A

XXXX

Standard Driver's License - Not for federal Use

United States

XXXX

N/A

XXXX

Fee Simple

N/A

25630.28

9.6

25630.28

9.6

55.65

N/A

Borrower As Individual

N/A

xxxxxx1705

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XXXX

N/A

XXXX

Fee Simple

N/A

1579266.34

43.1

1579266.34

43.1

65.0

N/A

Borrower As Individual

N/A

xxxxxx0195

772

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

N/A

41850.73

10.4

41850.73

10.4

78.66

N/A

Borrower As Individual

N/A

xxxxxx4504

743

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

N/A

937251.52

67.5

937251.52

67.5

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx4955

763

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

N/A

82810.14

22.9

82810.14

22.9

80.0

N/A

Borrower As Individual

N/A

xxxxxx5429

802

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

N/A

XXXX

Standard Driver's License - Not for federal Use

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

N/A

103971.20

17.4

103971.20

17.4

80.0

N/A

Borrower As Individual

N/A

xxxxxx8406

764

XXXX

Unknown

US Citizen

N/A

Passport

N/A

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

N/A

276896.16

21.0

228896.16

17.4

90.0

N/A

Borrower As Individual

N/A

LoanRecordID

Loan ID

Seller Loan ID

Investor Loan ID

Seller Name

Loan Program

Documentation Type

Executed NOO Docs in File

Lease In Place Flag

Actual In Place Rent

Third Party Market Rent Estimate

Third Party Rent Source

Actual Short Term Rent Amount

Actual Short Term Rent Source

Short Term Rent Number of Months

Short Term Rental Occupancy Factor

Rental Income Used for Property DSCR Calculation

Rental Source for Property DSCR Calculation

DSCR Calculation Based On Short Rental Income Flag

Property DTI

Originator DSCR

TPR DSCR

PITIA

Gross Rental Income Unit 1

Lease End Date Unit 1

Lease Term Unit 1

Gross Rental Income Unit 2

Lease End Date Unit 2

Lease Term Unit 2

Gross Rental Income Unit 3

Lease End Date Unit 3

Lease Term Unit 3

Gross Rental Income Unit 4

Lease End Date Unit 4

Lease Term Unit 4

Gross Rental Income Unit 5

Lease End Date Unit 5

Lease Term Unit 5

Gross Rental Income Unit 6

Lease End Date Unit 6

Lease Term Unit 6

Gross Rental Income Unit 7

Lease End Date Unit 7

Lease Term Unit 7

Gross Rental Income Unit 8+

Rent Loss Insurance

Rent Loss Insurance Amount

Fee Amount

Acquisition Cost

Renovation Cost

Effective Gross Income

Turnover Costs

Repairs and Maintenance

Marketing and Leasing Costs

Utilities

Other Costs

Cap Ex Reserve

Section 8

Blanket Mortgage/Cross Collateral Flag

Number of Years Property Owned

Number of Mortgaged Properties With Lender

Number of Properties Securing Loan

Foreign National Alternative Credit Documentation

Months Reserves

Loan Closed in the name of Business Entity

Vested Business Entity Name

Vested Business Entity Type

Qualifying Primary Borrower Type

Qualifying Primary Borrower First Name

Qualifying Primary Borrower Last Name

Qualifying CoBorrower Type

Qualifying CoBorrower First Name

Qualifying CoBorrower Last Name

Qualifying CoBorrower 2 Type

Qualifying CoBorrower 2 First Name

Qualifying CoBorrower 2 Last Name

Qualifying CoBorrower 3 Type

Qualifying CoBorrower 3 First Name

Qualifying CoBorrower 3 Last Name

Non-Qualifying Guarantor 1 First Name

Non-Qualifying Guarantor 1 Last Name

Non-Qualifying Guarantor 1 Citizenship

Non-Qualifying Guarantor 1 Country Name

Non-Qualifying Guarantor 2 First Name

Non-Qualifying Guarantor 2 Last Name

Non-Qualifying Guarantor 2 Citizenship

Non-Qualifying Guarantor 2 Country Name

Personal Guaranty

Total Number of Guarantors

Personal Guaranty Recourse Level

Business Entity EIN

XXXX

xxxxxx8490

XXXX

Debt Service Coverage Ratio

Present

10000

Appraisal - 1007

N/A

10000

Appraisal - 1007

54.71

1.828

5471.09

Yes

300000

1575000

10000

1.9

N/A

88.83

XXXX

Limited Liability Corporation (LLC)

Individual

XXXX

N/A

XXXX

xxxxxx2274

XXXX

Debt Service Coverage Ratio

Present

2775

Appraisal - 1007

N/A

2775

Appraisal - 1007

95.78

1.044

2657.77

Yes

70861

485000

2775

2.3

N/A

142.11

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx1097

XXXX

Debt Service Coverage Ratio

Present

2700

Appraisal - 1007

N/A

2700

Appraisal - 1007

130.27

0.75

0.768

3517.31

Yes

53000

2700

0.0

N/A

8.53

XXXX

Vested Individual

XXXX

xxxxxx0305

XXXX

12 Month Bank Statement

Missing

4000

Appraisal - 1007

N/A

4000

Appraisal - 1007

136.69

5467.47

Yes

84600

120000

4000

1.2

N/A

74.33

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Business Entity

XXXX

Yes

Full Recourse

XXXX

xxxxx1346

XXXX

12 Month Bank Statement

Present

1600

Appraisal - 1025

N/A

1600

Appraisal - 1025

128.89

0.0

2062.24

Yes

25600

235000

1600

0.0

43.76

XXXX

Vested Individual

XXXX

xxxxx1375

XXXX

Debt Service Coverage Ratio

Present

2600

Appraisal - 1007

N/A

2600

Appraisal - 1007

99.84

1.002

2595.9

Yes

30500

2600

0.0

N/A

30.25

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Business Entity

XXXX

Yes

Full Recourse

XXXX

xxxxxx0082

XXXX

Debt Service Coverage Ratio

Present

5240

Appraisal - 1007

N/A

5240

Appraisal - 1007

81.63

1.29

1.225

4277.38

Yes

51200

5240

0.0

Foreign Credit Report

20.86

XXXX

Limited Liability Corporation (LLC)

Individual

XXXX

Individual

XXXX

xxxxxx0220

XXXX

Debt Service Coverage Ratio

Present

Yes

1500

1600

Appraisal - 1007

N/A

1500

Actual In Place Rent

90.62

1.103

1359.35

1500

09-01-2025

Yes

18000

100000

1500

2.6

N/A

71.25

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Business Entity

XXXX

Yes

Full Recourse

XXXX

xxxxxx1602

XXXX

1YR Full Doc

Present

No - Owner Occupied

N/A

0.0

2271.9

Yes

5000

0.0

N/A

97.89

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx9662

XXXX

Debt Service Coverage Ratio

Present

2700

Appraisal - 1025

N/A

2700

Appraisal - 1025

70.87

1.411

1913.52

Yes

20000

120500

2700

5.4

N/A

30.33

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx6822

XXXX

Debt Service Coverage Ratio

Present

Yes

1410

1175

Appraisal - 1007

N/A

1410

Actual In Place Rent

94.96

1.05

1.053

1338.97

1410

02-01-2026

Yes

23794

150000

1410

2.2

N/A

88.18

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx3246

XXXX

Debt Service Coverage Ratio

Present

Yes

2950

2600

Appraisal - 1025

N/A

2600

Appraisal - 1025

76.93

1.31

1.3

2000.15

1600

01-31-2026

1350

12-01-2025

Yes

31200

2600

1.2

N/A

7.97

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx9270

XXXX

12 Month Bank Statement

Present

Yes

2600

Appraisal - 1025

N/A

2600

Appraisal - 1025

99.44

0.0

2585.47

1300

02-01-2026

1300

03-01-2026

2600

N/A

87.47

XXXX

Vested Individual

XXXX

xxxxxx9988

XXXX

Debt Service Coverage Ratio

Present

1925

Appraisal - 1007

N/A

1925

Appraisal - 1007

99.98

1.0

1924.64

Yes

23100

1925

0.0

N/A

61.17

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx0668

XXXX

Debt Service Coverage Ratio

Present

3950

Appraisal - 1007

N/A

3950

Appraisal - 1007

116.5

0.86

0.858

4601.61

Yes

81899

3950

0.0

N/A

23.24

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx1104

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2300

Appraisal - 1007

N/A

2300

Appraisal - 1007

65.5

1.52

1.527

1506.48

Yes

27600

2300

0.0

N/A

43.21

Yes

XXXX

Corporation

Individual Guarantor

XXXX

xxxxxx1557

XXXX

1YR Full Doc

Present

No - Vacant

N/A

0.0

3669.57

0.0

N/A

80.7

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx9626

XXXX

Debt Service Coverage Ratio

Present

3400

Appraisal - 1007

N/A

3400

Appraisal - 1007

127.13

0.787

4322.51

Yes

40800

3400

0.0

N/A

48.96

XXXX

Vested Individual

XXXX

xxxxxx1803

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2700

Appraisal - 1007

N/A

2700

Appraisal - 1007

93.68

1.067

2529.34

Yes

45800

154147

2700

0.0

Bank / Credit Reference

18.59

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx0147

XXXX

Debt Service Coverage Ratio

Present

2200

Appraisal - 1007

N/A

2200

Appraisal - 1007

99.61

1.004

2191.38

Yes

33200

2200

0.0

N/A

19.96

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx1134

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2200

Appraisal - 1007

N/A

2200

Appraisal - 1007

97.4

1.02

1.027

2142.72

Yes

23600

295000

2200

2.1

N/A

7.58

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx0639

XXXX

Debt Service Coverage Ratio

Present

3000

Appraisal - 1007

N/A

3000

Appraisal - 1007

82.54

1.21

1.212

2476.16

Yes

36000

3000

16.4

N/A

14.53

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx1028

XXXX

Debt Service Coverage Ratio

Present

Yes

2800

Appraisal - 1007

N/A

2800

Actual In Place Rent

79.23

1.26

1.262

2218.51

2800

02-20-2027

Yes

33600

219000

2800

0.4

N/A

113.43

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx2409

XXXX

Debt Service Coverage Ratio

Present

2675

Appraisal - 1007

N/A

2675

Appraisal - 1007

98.71

1.012

1.013

2640.44

Yes

36000

2675

0.0

N/A

255.92

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx1882

XXXX

Debt Service Coverage Ratio

Present

10000

Appraisal - 1007

N/A

10000

Appraisal - 1007

118.27

0.84

0.846

11827.07

2819000

10000

7.7

N/A

89.5

XXXX

Vested Individual

XXXX

Vested Individual

XXXX

xxxxxx9189

XXXX

Debt Service Coverage Ratio

Present

2800

Appraisal - 1007

N/A

2800

Appraisal - 1007

73.24

1.35

1.365

2050.66

2800

0.0

N/A

3.75

XXXX

Vested Individual

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx1153

XXXX

Debt Service Coverage Ratio

Present

Yes

4130

4000

Appraisal - 1025

N/A

4000

Appraisal - 1025

45.85

2.13

2.128

1879.94

850

04-30-2025

1000

04-30-2025

1280

04-30-2025

1000

04-30-2025

Yes

50000

4000

0.0

N/A

111.39

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx9181

XXXX

Debt Service Coverage Ratio

Present

No - Owner Occupied

6800

Appraisal - 1007

N/A

6800

Appraisal - 1007

60.72

1.65

1.647

4128.81

Yes

2400

6800

0.0

N/A

28.32

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx0038

XXXX

2YR Full Doc

Present

No - Vacant

7000

Appraisal - 1025

N/A

7000

Appraisal - 1025

84.89

5942.59

Yes

60000

7000

0.0

N/A

78.37

XXXX

Vested Individual

XXXX

Vested Individual

XXXX

N/A

XXXX

xxxxxx1939

XXXX

12 Month Bank Statement

Present

No - Vacant

3300

Appraisal - 1007

N/A

3300

Appraisal - 1007

132.54

4373.69

3300

0.0

N/A

18.1

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx9513

XXXX

Debt Service Coverage Ratio

Present

Yes

1100

1165

Appraisal - 1007

N/A

1100

Actual In Place Rent

84.19

1.188

926.12

1100

01-31-2026

Yes

3780

100

1100

21.9

N/A

81.51

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx1159

XXXX

Debt Service Coverage Ratio

Present

Yes

2500

2175

Appraisal - 1007

N/A

2500

Actual In Place Rent

72.13

1.386

1803.24

2500

12-01-2025

2500

7.0

N/A

107.99

Yes

XXXX

Corporation

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

xxxxxx4504

XXXX

12 Month Bank Statement

Present

7000

Appraisal - 1007

N/A

7000

Appraisal - 1007

198.27

13878.77

Yes

41600

7000

0.0

N/A

67.53

XXXX

Vested Individual

XXXX

N/A

XXXX

Loan ID	Seller Loan ID	Investor Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value	Comment
xxxxxx2568			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx2568			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx4439			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx4263			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx4807			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx4807			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx6614			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx6614			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx6614			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx6614			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx6614			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx6614			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1201			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1201			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1201			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2274			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2274			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx2274			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1955			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1955			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1955			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1955			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1097			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1097			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1097			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1097			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1097			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx5311			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0305			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxx1346			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxx1375			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxx0180			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxx0180			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxx0180			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxx1365			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0082			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx0220			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9585			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9585			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9585			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1602			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1602			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1602			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9662			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx9662			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx6822			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx3246			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx3246			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx3246			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9270			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx9270			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9270			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx7139			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx7139			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx7139			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2866			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx2866			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx2866			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0623			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx0623			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0623			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0623			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9988			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0668			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0668			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0954			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0954			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2222			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0515			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0515			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0515			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0515			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0515			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1104			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1104			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1104			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1557			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1557			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1557			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1557			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9626			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9626			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9626			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1803			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1803			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1803			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0147			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx0147			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0147			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0147			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1134			XXXX	XXXX	creditLiabilitiesPage	XXXX	XXXX	XXXX
xxxxxx1134			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1134			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1657			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1657			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1657			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1657			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0639			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1028			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1028			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1028			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1028			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9684			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9684			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9684			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9684			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx9684			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9684			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2409			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2409			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1882			XXXX	XXXX	creditLiabilitiesPage	XXXX	XXXX	XXXX
xxxxxx1882			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1882			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1882			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1882			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1882			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9189			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9189			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9189			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx8316			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx8316			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1153			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1153			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1153			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1153			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1153			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1153			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1005			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1005			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1005			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1005			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1005			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0995			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0995			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx0995			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0995			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0995			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx0995			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0401			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0401			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0401			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0401			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0909			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9505			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9505			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9505			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9839			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9839			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9181			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx9181			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9181			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx9181			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9181			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx8984			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx8984			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8984			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx8984			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1007			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1007			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1007			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1007			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1007			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9140			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9140			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9140			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9140			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx9140			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1683			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1683			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1683			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1683			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1683			XXXX	XXXX	mortgageInsurancePage	XXXX	XXXX	XXXX
xxxxxx1683			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9328			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9328			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9328			XXXX	XXXX	mortgageInsurancePage	XXXX	XXXX	XXXX
xxxxxx9328			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9328			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0439			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0439			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0439			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9614			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9614			XXXX	XXXX	mortgageInsurancePage	XXXX	XXXX	XXXX
xxxxxx0737			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0737			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9793			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9793			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9793			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9793			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9793			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx8452			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx8452			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1261			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1261			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1261			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9931			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9931			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9931			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx9931			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9931			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9931			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0038			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0038			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0038			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0038			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0038			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0304			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0304			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0304			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0304			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0304			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx7276			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx7276			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx7276			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx7276			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx7986			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx7986			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx7986			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx7986			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx7986			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx7986			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0941			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0941			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0941			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0941			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0941			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9621			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0985			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx0985			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0985			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0985			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0985			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1339			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1339			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1339			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1339			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1339			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0892			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0892			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0892			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0892			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0892			XXXX	XXXX	mortgageInsurancePage	XXXX	XXXX	XXXX
xxxxxx0892			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0245			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0245			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0245			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0245			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0245			XXXX	XXXX	mortgageInsurancePage	XXXX	XXXX	XXXX
xxxxxx0245			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx0245			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0245			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9556			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1858			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1858			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1858			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1858			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1858			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1858			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1858			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9358			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	mortgageInsurancePage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1939			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1188			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1188			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1188			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1188			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1188			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9956			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9956			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx9956			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx9956			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9956			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9956			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1651			XXXX	XXXX	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1651			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1651			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1651			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1651			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1073			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1073			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1073			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1073			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1977			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1977			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1977			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1977			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1977			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9802			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9802			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx9802			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9802			XXXX	XXXX	mortgageInsurancePage	XXXX	XXXX	XXXX
xxxxxx9802			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9802			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1331			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1331			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1331			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1331			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1331			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9436			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9436			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9436			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9436			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9436			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9436			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1722			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1722			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1722			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1722			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1722			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1722			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9952			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9952			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1724			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1724			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1806			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1806			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1806			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1004			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1004			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1004			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1004			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1004			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1004			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1004			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1004			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1677			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1677			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1677			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1677			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0287			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0287			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx0287			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1751			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1751			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1751			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9513			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9513			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9513			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1159			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1159			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1159			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx9297			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9297			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9297			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx0736			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0736			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx0736			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1437			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1250			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1250			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1250			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1587			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1587			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1587			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1587			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1587			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1254			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1254			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx1254			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx5487			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx5487			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx5487			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx5487			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx5487			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1288			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1288			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1288			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1288			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1288			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9511			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx9511			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9511			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx9511			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx9511			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1705			XXXX	XXXX	the1003Page	XXXX	XXXX	XXXX
xxxxxx1705			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1705			XXXX	XXXX	notePage	XXXX	XXXX	XXXX
xxxxxx1705			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx1705			XXXX	XXXX	mortgageInsurancePage	XXXX	XXXX	XXXX
xxxxxx1705			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx1705			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1705			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx0195			XXXX	XXXX	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx0195			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx0195			XXXX	XXXX	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx4504			XXXX	XXXX	titlePage	XXXX	XXXX	XXXX
xxxxxx4504			XXXX	XXXX	propertyInsurancePage	XXXX	XXXX	XXXX
xxxxxx4955			XXXX	XXXX	complianceDetailPage	XXXX	XXXX	XXXX
xxxxxx5429			XXXX	XXXX	notePage	XXXX	XXXX	XXXX