Exhibit 99.3

Schedule 5 - Supplemental Data Extract Report

Loan ID

Seller Loan ID

Investor Loan ID

Loan Program

Guideline Product Name

Originator Name

Originating Entity CDFI Flag

Guideline Name

Guideline Author

Guideline Date

Guideline Version

Application Date

TILA Status

TRID

GSE

Verified Safe Harbor Flag

Verified Safe Harbor Reference Document

QM Regulation Failures

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

AUS Decision System

Rating Result

Property Inspection Waiver (PIW)

Calculated APR

HUD 1 Page 1 Credits Total

Verified Qualifying Rate

Originator Qualifying Rate

Qualifying P&I

Default Interest Rate Present

Default Interest Rate

Annual Property Tax

Monthly Property Tax

Annual Insurance Costs

Monthly Insurance Cost

Annual HOA Costs

Monthly HOA Costs

Monthly Other Costs

PITIA

Residual Income

HOA Questionnaire Flag

HOA Name

HOA Address State

HOA Fee Amount

HOA Next Due Date

HOA Payment Frequency

Originator DTI

TPR Verified DTI

QM DTI

Is Borrower Non Occupant

Is Co Borrower Non Occupant

Co Borrower 2 Asset Verification Level

Co Borrower 3 Asset Verification Level

Co Borrower 2 Income Verification Level

Co Borrower 3 Income Verification Level

Co Borrower 2 Employment Verification Level

Co Borrower 3 Employment Verification Level

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower 2 Length of Employment

Co Borrower 3 Length of Employment

Document Level

Borrower Years of W2s/1099

CoBorrower Years of W2s/1099

Borrower Months of Paystubs Verified

Co Borrower Months of Paystubs Verified

Borrower Employment Gap Letter

Borrower Months of Employment Gap

Co Borrower Employment Gap Letter

Co Borrower Months of Employment Gap

Borrower Years of Personal Tax Returns

Borrower Years of Business Tax Returns

CoBorrower Years of Personal Tax Returns

CoBorrower Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Borrower Award/Offer Letter

Co Borrower Award/Offer Letter

Asset Depletion Flag

Partial Asset Depletion Flag

Asset Depletion Months Amortized

Asset Utilization Flag (No DTI)

Borrower Bank Statements Flag

Borrower Bank Statement Summary/Lender Worksheet

Borrower Number of Personal Bank Statements

Borrower Number of Business Bank Statements

CoBorrower Bank Statements Flag

Co Borrower Bank Statement Summary/Lender Worksheet

CoBorrower Number of Personal Bank Statements

CoBorrower Number of Business Bank Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

Bespoke Eligible Assets

Borrower P&L Type

Borrower Number of Months P&L

Borrower P&L Prepared By

CoBorrower P&L Type

CoBorrower P&L Prepared By

CoBorrower Number of Months P&L

Borrower CPA Letter Flag

# of Months CPA verified income

CoBorrower CPA Letter Flag

CoBorrower # of Months CPA verified income

Borrower WVOE Flag

Borrower # of Months Employment Validated WVOE

Borrower # of Months Income Validated WVOE

Borrower WVOE Form Type

CoBorrower WVOE Flag

CoBorrower # of Months WVOE

CoBorrower # of Months Income Validated WVOE

CoBorrower WVOE Form Type

DSCR Flag

TPR DSCR

Originator DSCR

Expense Letter

Income Doc Detail

Tax Return Doc Details

Property Address

Property City

Property State

Property Zip

Property County

Original Credit Report Date

Borrower 1 Credit Report Date

Borrower 2 Credit Report Date

Borrower 3 Credit Report Date

Borrower 4 Credit Report Date

Qualifying Credit Score

Third Wage Earner Original FICO Equifax

Third Wage Earner Original FICO Experian

Third Wage Earner Original FICO Transunion

Fourth Wage Earner Original FICO Equifax

Fourth Wage Earner Original FICO Experian

Fourth Wage Earner Original FICO Transunion

Most Recent Co Borrower 2 FICO

Most Recent Co Borrower 3 FICO

Updated Credit Report Flag

Updated Credit Report Date

Updated FICO Method

Primary Wage Earner Updated FICO Equifax

Primary Wage Earner Updated FICO Experian

Primary Wage Earner Updated FICO Transunion

Secondary Wage Earner Updated FICO Equifax

Secondary Wage Earner Updated FICO Experian

Secondary Wage Earner Updated FICO Transunion

Third Wage Earner Updated FICO Equifax

Third Wage Earner Updated FICO Experian

Third Wage Earner Updated FICO Transunion

Fourth Wage Earner Updated FICO Equifax

Fourth Wage Earner Updated FICO Experian

Fourth Wage Earner Updated FICO Transunion

Updated Primary Borrower FICO

Updated Co Borrower FICO

Updated Co Borrower 2 FICO

Updated Co Borrower 3 FICO

Updated Qualifying FICO

Most Recent Bankruptcy Type

Most Recent Bankruptcy Filing Date

Most Recent Bankruptcy Discharge Date

Number of Bankruptcy Events

Months Bankruptcy 7 11

Months Bankruptcy 13

Most Recent Deed in Lieu Date

Number of Deed in Lieu Events

Months Deed in Lieu

Most Recent Short Sale Date

Number of Short Sale Events

Months Short Sale (or Pre FC)

Most Recent Foreclosure Date

Number of Foreclosure Events

Months Foreclosure

Prior Mortgage/Rent Lates 30d in 0-12m

Prior Mortgage/Rent Lates 60d in 0-12m

Prior Mortgage/Rent Lates 90d in 0-12m

Prior Mortgage/Rent Lates 120d+ in 0-12m

Prior Mortgage/Rent Lates 30d in 13-24m

Prior Mortgage/Rent Lates 60d in 13-24m

Prior Mortgage/Rent Lates 90d in 13-24m

Prior Mortgage/Rent Lates 120d+ in 13-24m

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Is Equity Shared Loan

Subordinate Lien Type

Subordinate Lien Max Draw Amount (HELOC)

Subordinate Lien 2 Type

Subordinate Lien 2 Max Draw Amount (HELOC)

Subordinate Lien 3 Type

Subordinate Lien 3 Max Draw Amount (HELOC)

Is Shared Appreciation Mortgage

Borrower Originator Citizenship Designation

Borrower Verified Citizenship Designation

Borrower Individual Tax Identification Number (ITIN)?

Borrower Photo Identification Type

Borrower Photo Identification Other Type

Borrower Photo ID State of Issuance

Borrower Photo ID Country of Issuance

Borrower Photo ID Expiration Date

Borrower Passport Country of Origin

Borrower Passport Expiration Date

Borrower Non-US Citizen Identification Document

Borrower Date of Resident Since/Valid Date

Borrower Non-US Document Expiration Date

Co Borrower Originator Citizenship Designation

Co Borrower Verified Citizenship Designation

Co Borrower Individual Tax Identification Number (ITIN)?

Co Borrower Photo Identification Type

Co Borrower Photo Identification Other Type

Co Borrower Photo ID State of Issuance

Co Borrower Photo ID Country of Issuance

Co Borrower Photo ID Expiration Date

Co Borrower Passport Country of Origin

Co Borrower Passport Expiration Date

Co Borrower Non-US Citizen Identification Document

Co Borrower Date of Resident Since/Valid Date

Co Borrower Non-US Document Expiration Date

Co Borrower 2 Originator Citizenship Designation

Co Borrower 2 Verified Citizenship Designation

Co Borrower 2 Individual Tax Identification Number (ITIN)?

Co Borrower 2 Photo Identification Type

Co Borrower 2 Photo Identification Other Type

Co Borrower 2 Photo ID State of Issuance

Co Borrower 2 Photo ID Country of Issuance

Co Borrower 2 Photo ID Expiration Date

Co Borrower 2 Passport Country of Origin

Co Borrower 2 Passport Expiration Date

Co Borrower 2 Non-US Citizen Identification Document

Co Borrower 2 Date of Resident Since/Valid Date

Co Borrower 2 Non-US Document Expiration Date

Co Borrower 3 Originator Citizenship Designation

Co Borrower 3 Verified Citizenship Designation

Co Borrower 3 Individual Tax Identification Number (ITIN)?

Co Borrower 3 Photo Identification Type

Co Borrower 3 Photo Identification Other Type

Co Borrower 3 Photo ID State of Issuance

Co Borrower 3 Photo ID Country of Issuance

Co Borrower 3 Photo ID Expiration Date

Co Borrower 3 Passport Country of Origin

Co Borrower 3 Passport Expiration Date

Co Borrower 3 Non-US Citizen Identification Document

Co Borrower 3 Date of Resident Since/Valid Date

Co Borrower 3 Non-US Document Expiration Date

Property Rights

Leasehold Lease Expiration Date

Buydown Flag

Assumable Mortgage Flag

Foreign National Alternative Credit Documentation

Liquid / Cash Reserves (ASF)

Months Liquid Reserves

Total Assets Available for Reserves

Months Reserves

Blanket Mortgage Flag

Qualifying HCLTV

Condo Warrantability Flag

E-Note Flag

O&E in lieu of Title Insurance

Business Purpose Flag

Borrower Note Executed As

Co Borrower Note Executed As

Co Borrower 2 Note Executed As

Co Borrower 3 Note Executed As

Borrower 1 Trust Name

Borrower 2 Trust Name

Borrower 3 Trust Name

Borrower 4 Trust Name

XXXX

10008142

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,414.81

$1,345.44

$112.12

$2,427.96

$202.33

$3,480.00

$290.00

$0.00

$2,019.26

N/A

XXXX

$290.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.56

1.54

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

758

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

199306.97

98.7

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10008143

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

24597.92

12/02/2025

6.190%

Manual Underwriting

7.130%

6.875%

$7,111.39

$17,734.80

$1,477.90

$4,396.56

$366.38

$0.00

$8,955.67

$98,814.35

N/A

XXXX

$0.00

XXXX

13.29%

13.28%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

81.00%

Stocks/Bonds,Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

726

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

806584.83

90.1

806584.83

90.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10008144

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,844.30

$4,765.80

$397.15

$2,184.96

$182.08

$0.00

$2,423.53

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.011

1.02

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

715

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

39015.20

16.1

68.44

N/A

Yes

Borrower As Individual

N/A

XXXX

10008145

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

13065.0

11/13/2025

6.260%

Manual Underwriting

7.060%

6.875%

$7,357.60

$9,177.96

$764.83

$12,646.92

$1,053.91

$0.00

$9,176.34

$17,462.56

N/A

XXXX

$0.00

XXXX

44.79%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SEPartnership, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

685

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

521161.37

56.8

521161.37

56.8

80.0

N/A

Borrower As Individual

N/A

XXXX

10008146

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

7664.25

12/01/2025

6.190%

Manual Underwriting

7.728%

7.500%

$3,563.20

$8,941.32

$745.11

$2,794.56

$232.88

$783.96

$65.33

$0.00

$4,606.52

$21,201.01

N/A

XXXX

$65.33

XXXX

Annually

22.88%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

80.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

693

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

191950.94

41.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10008147

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/04/2025

6.190%

Manual Underwriting

7.535%

7.125%

$4,352.22

$5,622.24

$468.52

$5,254.56

$437.88

$0.00

$5,258.62

$15,819.27

N/A

XXXX

$0.00

XXXX

34.55%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

736

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

27767.51

5.3

27767.51

5.3

85.0

N/A

Borrower As Individual

N/A

XXXX

10008148

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10137.13

11/18/2025

6.230%

Manual Underwriting

7.568%

7.500%

$11,274.83

$18,820.08

$1,568.34

$4,002.36

$333.53

$0.00

$13,176.70

$61,348.30

N/A

XXXX

$0.00

XXXX

22.21%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

31.66%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

687

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

287791.75

21.8

369241.83

28.0

75.0

N/A

Borrower As Individual

N/A

XXXX

10008149

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,524.70

$6,916.32

$576.36

$2,904.60

$242.05

$0.00

$2,343.11

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.024

1.02

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

727

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

128199.54

54.7

107248.54

45.8

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10008150

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/05/2025

6.190%

Manual Underwriting

7.584%

7.375%

$8,426.24

$16,709.76

$1,392.48

$2,604.36

$217.03

$1,551.96

$129.33

$0.00

$10,165.08

$64,732.07

N/A

XXXX

$129.33

XXXX

Annually

13.67%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

736

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

72133.59

7.1

238739.70

23.5

80.0

N/A

Borrower As Individual

N/A

XXXX

10008152

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14145.0

11/13/2025

6.260%

Manual Underwriting

7.383%

7.125%

$4,136.63

$5,700.12

$475.01

$8,429.52

$702.46

$0.00

$5,314.10

$18,943.51

N/A

XXXX

$0.00

XXXX

34.67%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

700

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

21611.84

4.1

21804.20

4.1

78.72

N/A

Borrower As Individual

N/A

XXXX

10008153

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$2,097.00

$1,686.96

$140.58

$4,890.00

$407.50

$0.00

$2,645.08

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

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

700

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

103208.54

39.0

103208.54

39.0

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10008154

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

20454.79

11/14/2025

6.260%

Manual Underwriting

7.203%

7.125%

$4,392.59

$17,704.32

$1,475.36

$2,724.60

$227.05

$1,032.00

$86.00

$0.00

$6,181.00

$13,461.28

N/A

XXXX

$86.00

XXXX

Annually

45.40%

45.39%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

95.00%

N/A

Yes

N/A

Borrower - Other - CPA Letter Verified, 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024

Borrower - 3 YRS Executed 4506T Verified - ["2024"] - 2024

XXXX

690

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

91009.47

14.7

91009.47

14.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10008155

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11611.3

11/14/2025

6.260%

Manual Underwriting

8.600%

8.250%

$3,109.57

$6,454.92

$537.91

$4,344.84

$362.07

$0.00

$4,009.55

$10,056.34

N/A

XXXX

$0.00

XXXX

33.55%

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"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

726

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

24531.71

6.1

24531.71

6.1

90.0

N/A

Borrower As Individual

N/A

XXXX

10008156

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9915.0

12/05/2025

6.190%

Manual Underwriting

7.855%

7.375%

$2,223.97

$9,743.52

$811.96

$2,148.00

$179.00

$0.00

$3,214.93

$9,799.33

N/A

XXXX

$0.00

XXXX

34.10%

34.30%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

621

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

155422.31

48.3

155422.31

48.3

70.0

N/A

Borrower As Individual

N/A

XXXX

10008157

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

11/20/2025

6.230%

Manual Underwriting

8.338%

8.250%

$1,994.61

$4,122.84

$343.57

$3,096.12

$258.01

$0.00

$2,596.19

$4,493.98

N/A

XXXX

$0.00

XXXX

44.64%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

720

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

20753.57

8.0

20753.57

8.0

90.0

N/A

Borrower As Individual

N/A

XXXX

10008158

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14339.67

11/18/2025

6.230%

Manual Underwriting

7.201%

7.000%

$5,259.22

$19,283.28

$1,606.94

$2,514.00

$209.50

$0.00

$7,075.66

$109,750.64

N/A

XXXX

$0.00

XXXX

10.73%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

749

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

96431.41

13.6

96431.41

13.6

85.0

N/A

Borrower As Individual

N/A

XXXX

10008159

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11/20/2025

6.230%

Manual Underwriting

6.967%

6.875%

$7,777.13

$10,016.16

$834.68

$3,297.00

$274.75

$0.00

$8,886.56

$11,041.13

N/A

XXXX

$0.00

XXXX

49.17%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

689

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

52906.04

6.0

56582.42

6.4

71.55

N/A

Borrower As Individual

N/A

XXXX

10008160

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

29025.0

12/02/2025

6.190%

Manual Underwriting

7.831%

7.625%

$5,492.48

$9,875.76

$822.98

$3,393.00

$282.75

$0.00

$6,598.21

$47,067.58

N/A

XXXX

$0.00

XXXX

21.42%

Self-Employed

1YR Business P&L

N/A

100.00%

Audited

Accountant/Bookkeeper

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

678

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

52328.51

7.9

52328.51

7.9

80.0

N/A

Borrower As Individual

N/A

XXXX

10008161

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11/24/2025

6.260%

Manual Underwriting

7.838%

7.500%

$2,525.91

$3,785.40

$315.45

$1,317.84

$109.82

$1,572.00

$131.00

$0.00

$3,082.18

$9,285.90

N/A

XXXX

$131.00

XXXX

Monthly

43.43%

43.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

95.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

700

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Other

Temporary Drivers License

XXXX

United States of America (USA)

XXXX

E-2 Visa

XXXX

Fee Simple

XXXX

N/A

14642.67

4.8

14642.67

4.8

85.0

N/A

Borrower As Individual

N/A

XXXX

10008162

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,347.44

$3,476.16

$289.68

$1,263.48

$105.29

$0.00

$1,742.41

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

1.13

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

743

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

188769.49

108.3

74.07

N/A

Yes

Borrower As Individual

N/A

XXXX

10008164

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$1,374.75

$5,680.44

$473.37

$1,317.96

$109.83

$24.96

$2.08

$0.00

$1,960.03

N/A

XXXX

$2.08

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.071

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

778

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

62778.95

32.0

62778.95

32.0

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10008165

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$1,728.84

$681.60

$56.80

$1,244.04

$103.67

$0.00

$1,889.31

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.288

1.29

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

712

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

H-1B Visa

XXXX

Fee Simple

XXXX

N/A

57380.13

30.4

57380.13

30.4

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10008166

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.250%

$1,847.15

$3,624.24

$302.02

$2,190.96

$182.58

$0.00

$2,331.75

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.78

1.77

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

776

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

130079.99

55.8

53.57

N/A

Yes

Borrower As Individual

N/A

XXXX

10008168

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12865.0

12/02/2025

6.190%

Manual Underwriting

7.455%

7.250%

$6,003.15

$10,664.88

$888.74

$4,394.52

$366.21

$0.00

$7,258.10

$10,548.53

N/A

XXXX

$0.00

XXXX

48.20%

48.21%

Self-Employed

Other

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

694

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

45008.13

6.2

68973.43

9.5

74.89

N/A

Borrower As Individual

N/A

XXXX

10008169

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.500%

$1,845.93

$5,022.72

$418.56

$2,808.96

$234.08

$0.00

$2,498.57

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.321

1.32

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

734

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

29027.33

11.6

29027.33

11.6

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10008170

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,974.00

$7,646.04

$637.17

$1,362.00

$113.50

$1,020.00

$85.00

$0.00

$2,809.67

N/A

XXXX

$85.00

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.139

1.13

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

803

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

51443.06

18.3

51443.06

18.3

77.11

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10008172

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10704.78

11/14/2025

6.260%

Manual Underwriting

8.451%

8.125%

$2,874.95

$4,041.12

$336.76

$1,719.96

$143.33

$0.00

$3,355.04

$8,157.91

N/A

XXXX

$0.00

XXXX

38.23%

33.29%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

640

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

192688.28

57.4

192688.28

57.4

80.0

N/A

Borrower As Individual

N/A

XXXX

10008174

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11/20/2025

6.230%

Manual Underwriting

8.217%

7.875%

$4,078.52

$10,050.84

$837.57

$2,495.28

$207.94

$300.00

$25.00

$0.00

$5,149.03

$12,418.92

N/A

XXXX

$25.00

XXXX

Annually

44.15%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

749

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

50273.48

9.8

50273.48

9.8

90.0

N/A

Borrower As Individual

N/A

XXXX

10008175

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

7151.99

12/01/2025

6.190%

Manual Underwriting

7.702%

7.250%

$1,207.45

$2,370.48

$197.54

$894.96

$74.58

$0.00

$1,479.57

$2,212.23

N/A

XXXX

$0.00

XXXX

49.74%

Self-Employed

12 Month Bank Statement

1 YR W2

1 Month

N/A

Yes

41.04%

100.00%

N/A

Borrower - Wage, SESoleProprietor - 1 YR W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

626

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

47953.87

32.4

58.03

N/A

Borrower As Individual

N/A

XXXX

10008177

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$2,996.00

$4,143.48

$345.29

$3,393.00

$282.75

$0.00

$3,624.04

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.332

2.33

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

815

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

464894.16

128.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10008180

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$3,829.89

$9,062.28

$755.19

$5,373.96

$447.83

$0.00

$5,032.91

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.055

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

762

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

74903.87

14.9

67.01

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10008181

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.250%

$3,509.59

$12,385.44

$1,032.12

$3,110.04

$259.17

$0.00

$4,800.88

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.021

1.02

N/A

XXXX

739

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

533838.04

111.2

63.33

N/A

Yes

Borrower As Individual

N/A

XXXX

10008182

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$2,111.67

$5,138.88

$428.24

$1,313.64

$109.47

$0.00

$2,649.38

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

775

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16498.42

6.2

16498.42

6.2

78.7

N/A

Yes

Borrower As Individual

N/A

XXXX

10008183

XXXX

ATR/QM: Exempt

Yes

N/A

12/03/2025

6.190%

Manual Underwriting

6.726%

6.500%

$3,002.32

$8,766.36

$730.53

$4,446.96

$370.58

$0.00

$4,103.43

$43,545.57

N/A

XXXX

$0.00

XXXX

16.50%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

782

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

70287.44

17.1

133671.81

32.6

33.22

N/A

Yes

Borrower As Individual

N/A

XXXX

10008184

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$1,580.17

$5,914.20

$492.85

$1,339.92

$111.66

$0.00

$2,184.68

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.289

2.05

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

777

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

234294.97

107.2

37.04

N/A

Yes

Borrower As Individual

N/A

The Magheli Salome Izquierdo Trust

XXXX

10008185

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,010.58

$3,225.96

$268.83

$751.68

$62.64

$5,880.00

$490.00

$0.00

$1,832.05

Yes

XXXX

$490.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.255

1.26

N/A

XXXX

801

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

288584.57

157.5

288584.57

157.5

68.49

Yes

Borrower As Individual

N/A

XXXX

10008186

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,921.52

$2,922.96

$243.58

$652.92

$54.41

$0.00

$2,219.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.081

1.04

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

801

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

283448.46

127.7

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10008188

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$2,211.72

$45,610.32

$3,800.86

$1,476.00

$123.00

$4,908.00

$409.00

$0.00

$6,544.58

$21,409.66

Yes

XXXX

$409.00

XXXX

Monthly

36.33%

Yes

Not Employed

1YR Full Doc

N/A

Yes

N/A

0.00%

Stocks/Bonds,Proceeds from Sale

N/A

Borrower - Retirement, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

XXXX

784

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1231603.49

188.2

1231603.49

188.2

26.85

Yes

Member on Behalf of Entity

N/A

XXXX

10008189

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7265.0

12/03/2025

6.190%

Manual Underwriting

6.592%

6.375%

$2,245.93

$5,874.00

$489.50

$1,668.00

$139.00

$0.00

$2,874.43

$15,842.57

N/A

XXXX

$0.00

XXXX

17.63%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified

XXXX

790

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1442622.15

501.9

1447622.15

503.6

38.92

N/A

Borrower As Individual

N/A

XXXX

10008190

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

11/21/2025

6.230%

Manual Underwriting

7.630%

7.375%

$3,729.65

$8,951.04

$745.92

$5,174.04

$431.17

$300.00

$25.00

$0.00

$4,931.74

$13,111.44

N/A

XXXX

$25.00

XXXX

Annually

48.64%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower || Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

688

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

30024.93

6.1

30024.93

6.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10008192

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$2,437.50

$9,432.00

$786.00

$4,825.20

$402.10

$0.00

$3,625.60

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.037

N/A

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

XXXX

784

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

434823.25

119.9

54.22

N/A

Yes

Borrower As Individual

N/A

XXXX

10008193

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$1,128.55

$3,773.88

$314.49

$1,408.56

$117.38

$0.00

$1,560.42

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.121

1.12

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

792

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

108582.21

69.6

108582.21

69.6

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10008194

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$1,207.13

$3,167.28

$263.94

$964.56

$80.38

$2,136.00

$178.00

$0.00

$1,729.45

N/A

XXXX

$178.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.042

1.04

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

713

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

5702.50

3.3

79923.20

46.2

64.45

N/A

Yes

Borrower As Individual

N/A

XXXX

10008195

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

51266.2

12/03/2025

6.190%

Manual Underwriting

6.808%

6.625%

$9,988.85

$14,443.92

$1,203.66

$1,293.96

$107.83

$0.00

$11,300.34

$59,281.83

N/A

XXXX

$0.00

XXXX

25.10%

24.06%

4 - Verified 2+ Mos

4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns

3 - Stated, 3rd Party Verification

Self-Employed

Not Employed

Employed

3.24

12 Month Bank Statement

N/A

Yes

N/A

89.33%

100.00%

0.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - N/A || Co Borrower 2 - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower || Co Borrower 2 - 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

814

805

812

811

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

102669.00

9.1

102669.00

9.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10008196

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/04/2025

6.190%

Manual Underwriting

7.086%

6.875%

$5,150.32

$11,170.20

$930.85

$5,979.84

$498.32

$2,880.00

$240.00

$84.83

$6,904.32

$22,709.78

N/A

XXXX

$240.00

XXXX

Monthly

44.01%

43.52%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

779

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

119352.32

17.3

119352.32

17.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10008197

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9677.0

12/03/2025

6.190%

Manual Underwriting

7.085%

7.000%

$3,464.90

$5,865.48

$488.79

$3,469.08

$289.09

$0.00

$4,343.80

$4,762.45

N/A

XXXX

$0.00

XXXX

49.60%

Retired

1YR Full Doc

N/A

Yes

N/A

0.00%

N/A

Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2023","2024"] - 2023, 2024

Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024"] - 2023, 2024

XXXX

752

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

169533.33

39.0

169533.33

39.0

80.0

N/A

Borrower As Individual

N/A

JEFFREY L COLEMAN -HUNT AND MARTHA COLEMAN-HUNT 2002 REVOCABLE TRUST

XXXX

10064883

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

22310.0

12/11/2025

6.220%

Manual Underwriting

6.435%

6.250%

$10,590.34

$12,915.24

$1,076.27

$5,982.00

$498.50

$0.00

$12,165.11

$37,008.62

N/A

XXXX

$0.00

XXXX

40.77%

40.70%

Self-Employed

1YR Full Doc

1 YR W2

N/A

Yes

0.00%

100.00%

Audited

Accountant/Bookkeeper

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 1 YR W2 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified - ["2024"] - 2024

XXXX

790

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

128225.95

10.5

128225.95

10.5

80.0

N/A

Borrower As Individual

N/A

XXXX

10064884

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14195.0

12/11/2025

6.220%

Manual Underwriting

7.068%

6.750%

$3,554.32

$2,032.08

$169.34

$2,661.00

$221.75

$0.00

$3,945.41

$5,116.59

N/A

XXXX

$0.00

XXXX

44.32%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

744

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

30053.70

7.6

30053.70

7.6

80.0

N/A

Borrower As Individual

N/A

XXXX

10064885

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/10/2025

6.220%

Manual Underwriting

6.904%

6.750%

$5,183.60

$17,102.40

$1,425.20

$1,932.96

$161.08

$725.04

$60.42

$0.00

$6,830.30

$53,987.80

N/A

XXXX

$60.42

XXXX

Annually

13.50%

13.38%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

800

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

307540.72

45.0

137520.72

20.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10064886

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

26865.0

12/12/2025

6.220%

Manual Underwriting

6.804%

6.625%

$10,373.04

$11,893.56

$991.13

$2,567.64

$213.97

$0.00

$11,578.14

$17,110.42

N/A

XXXX

$0.00

XXXX

42.73%

Not Employed

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Yes

Work Number

N/A

Borrower - Other - 2 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - Wage, Bonus, Other - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

791

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

720624.90

62.2

745869.21

64.4

67.5

N/A

Borrower As Individual

N/A

XXXX

10064887

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$1,663.26

$6,319.92

$526.66

$4,883.04

$406.92

$0.00

$2,596.84

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.04

1.03

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

657

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

222626.53

85.7

54.35

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064889

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11/21/2025

6.230%

Manual Underwriting

7.264%

6.875%

$1,366.41

$1,859.76

$154.98

$1,932.00

$161.00

$0.00

$1,682.39

$2,916.70

N/A

XXXX

$0.00

XXXX

42.48%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

760

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

246315.08

146.4

246315.08

146.4

80.0

N/A

Borrower As Individual

N/A

XXXX

10064890

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$2,389.58

$6,797.40

$566.45

$1,964.16

$163.68

$0.00

$3,119.71

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.058

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

713

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

189130.68

60.6

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10064891

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$3,671.57

$2,393.88

$199.49

$1,047.96

$87.33

$2,136.00

$178.00

$0.00

$4,136.39

N/A

XXXX

$178.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.894

0.85

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

774

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

75694.55

18.3

75694.55

18.3

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10064892

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

17747.25

12/12/2025

6.220%

Manual Underwriting

6.678%

6.500%

$2,686.29

$8,413.56

$701.13

$4,087.20

$340.60

$99.96

$8.33

$0.00

$3,736.35

$4,533.64

N/A

XXXX

$8.33

XXXX

Annually

49.97%

Self-Employed

Retired

12 Month Bank Statement

N/A

Yes

N/A

43.20%

100.00%

0.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Retirement, SSI and Disability - Award Letter Verified - ["2024"] - 2024

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2024"] - 2024

XXXX

779

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

159979.31

42.8

36.96

N/A

Borrower As Individual

N/A

XXXX

10064893

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/08/2025

6.220%

Manual Underwriting

7.085%

6.750%

$3,473.24

$7,854.36

$654.53

$2,118.00

$176.50

$0.00

$4,304.27

$6,021.54

N/A

XXXX

$0.00

XXXX

49.77%

49.05%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

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) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

777

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

39520.41

9.2

39520.41

9.2

85.0

N/A

Borrower As Individual

N/A

XXXX

10064894

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$2,027.89

$6,818.52

$568.21

$2,366.04

$197.17

$0.00

$2,793.27

$7,656.10

N/A

XXXX

$0.00

XXXX

47.34%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

51.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

780

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

233670.31

83.7

233670.31

83.7

78.18

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064895

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$2,273.80

$7,736.16

$644.68

$5,823.96

$485.33

$0.00

$3,403.81

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.351

1.33

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

714

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

52174.28

15.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064896

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

19935.64

12/09/2025

6.220%

Manual Underwriting

7.469%

7.375%

$5,342.95

$9,399.00

$783.25

$2,468.16

$205.68

$0.00

$6,331.88

$12,392.12

N/A

XXXX

$0.00

XXXX

39.99%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

685

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

46131.95

7.3

46131.95

7.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10064897

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

6548.25

12/15/2025

6.270%

Manual Underwriting

7.683%

7.250%

$1,161.75

$4,802.88

$400.24

$1,428.00

$119.00

$0.00

$1,680.99

$1,782.80

N/A

XXXX

$0.00

XXXX

48.53%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

6407.99

3.8

16738.94

10.0

65.0

N/A

Borrower As Individual

N/A

XXXX

10064898

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

27547.22

12/12/2025

6.220%

Manual Underwriting

7.750%

7.250%

$4,291.57

$10,256.16

$854.68

$1,785.00

$148.75

$350.04

$29.17

$0.00

$5,324.17

$20,022.90

N/A

XXXX

$29.17

XXXX

Annually

37.86%

37.91%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

731

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

67975.08

12.8

67975.08

12.8

90.0

N/A

Borrower As Individual

N/A

XXXX

10064899

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$2,035.26

$10,023.24

$835.27

$1,778.04

$148.17

$0.00

$3,018.70

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.325

1.32

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

766

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

29796.12

9.9

29796.12

9.9

55.61

N/A

Yes

Borrower As Individual

N/A

XXXX

10064900

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$2,521.22

$4,453.32

$371.11

$1,466.04

$122.17

$0.00

$3,014.50

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.012

1.01

N/A

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

XXXX

703

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

39230.89

13.0

39230.89

13.0

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10064901

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8197.0

12/10/2025

5.700%

Manual Underwriting

7.034%

6.500%

$2,386.83

$7,221.84

$601.82

$1,548.36

$129.03

$99.96

$8.33

$0.00

$3,126.01

$33,626.00

N/A

XXXX

$8.33

XXXX

Annually

12.67%

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 - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

811

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16267.90

5.2

16267.90

5.2

79.88

N/A

Borrower As Individual

N/A

XXXX

10064902

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8165.0

12/10/2025

6.220%

Manual Underwriting

8.083%

7.625%

$1,486.37

$2,021.88

$168.49

$2,476.80

$206.40

$0.00

$1,861.26

$2,910.92

N/A

XXXX

$0.00

XXXX

43.26%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

697

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

13226.60

7.1

70.0

N/A

Borrower As Individual

N/A

XXXX

10064903

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$2,405.18

$5,506.92

$458.91

$4,655.04

$387.92

$0.00

$3,252.01

$8,602.92

N/A

XXXX

$0.00

XXXX

44.19%

45.03%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

78.85%

100.00%

N/A

Borrower - SESoleProprietor, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

715

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

4130.40

1.3

107902.73

33.2

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064904

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$2,075.05

$7,926.84

$660.57

$1,376.04

$114.67

$1,020.00

$85.00

$0.00

$2,935.29

N/A

XXXX

$85.00

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.158

1.15

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

803

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

46700.75

15.9

46700.75

15.9

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064905

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8547.5

12/03/2025

6.190%

Manual Underwriting

8.090%

7.750%

$2,127.74

$3,597.84

$299.82

$1,311.72

$109.31

$0.00

$2,536.87

$10,251.02

N/A

XXXX

$0.00

XXXX

37.13%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

772

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

413096.39

162.8

413096.39

162.8

90.0

N/A

Borrower As Individual

N/A

XXXX

10064906

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/10/2025

6.220%

Manual Underwriting

6.929%

6.875%

$9,853.93

$23,333.76

$1,944.48

$5,088.84

$424.07

$0.00

$12,222.48

$13,997.68

N/A

XXXX

$0.00

XXXX

48.34%

Employed

2YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

Proceeds from Sale

N/A

Yes

134

FNMA 1005

Yes

176

Other

N/A

Borrower - Wage, Overtime, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - Wage, Overtime - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023

Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023

XXXX

730

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

317872.22

26.0

317872.22

26.0

78.95

N/A

Borrower As Individual

N/A

XXXX

10064907

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/09/2025

6.220%

Manual Underwriting

6.747%

6.625%

$4,866.36

$24,444.60

$2,037.05

$2,757.24

$229.77

$1,200.00

$100.00

$0.00

$7,233.18

$10,335.72

N/A

XXXX

$100.00

XXXX

Annually

42.08%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

97.86%

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

775

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

70628.34

9.8

743319.99

102.8

36.19

N/A

Borrower As Individual

N/A

XXXX

10064908

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11795.0

12/11/2025

6.220%

Manual Underwriting

6.658%

6.500%

$5,574.84

$20,139.48

$1,678.29

$1,365.00

$113.75

$0.00

$7,366.88

$9,261.13

N/A

XXXX

$0.00

XXXX

49.74%

49.93%

Self-Employed

Employed

1YR Business P&L

2 YRS W2

1 Month

N/A

Yes

77.60%

100.00%

0.00%

Audited

CPA

N/A

Yes

FNMA 1005

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

723

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

235662.22

32.0

235662.22

32.0

70.0

N/A

Borrower As Individual

N/A

XXXX

10064909

XXXX

Yes

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$1,939.31

$2,199.36

$183.28

$774.00

$64.50

$750.00

$62.50

$0.00

$2,249.59

N/A

XXXX

$62.50

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.067

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

799

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

289185.00

128.6

65.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064910

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

18985.88

12/04/2025

6.190%

Manual Underwriting

7.710%

7.500%

$3,160.45

$14,907.84

$1,242.32

$3,915.00

$326.25

$1,890.00

$157.50

$0.00

$4,886.52

$10,059.49

N/A

XXXX

$157.50

XXXX

Annually

33.38%

32.98%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

676

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

272151.49

55.7

272151.49

55.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10064911

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/16/2025

6.270%

Manual Underwriting

7.297%

7.000%

$831.63

$3,279.12

$273.26

$3,494.04

$291.17

$275.04

$22.92

$0.00

$1,418.98

$2,592.43

N/A

XXXX

$22.92

XXXX

Annually

44.25%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024

Borrower - 3 YRS Executed 4506T Verified - ["2024"] - 2024

XXXX

730

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

53288.76

37.6

48.83

N/A

Borrower As Individual

N/A

XXXX

10064912

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$2,488.77

$4,191.12

$349.26

$6,261.48

$521.79

$4,647.96

$387.33

$0.00

$3,747.15

N/A

XXXX

$387.33

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.014

1.01

N/A

XXXX

804

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

Yes

N/A

274524.94

73.3

274524.94

73.3

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10064913

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21865.0

12/16/2025

6.270%

Manual Underwriting

6.896%

6.875%

$9,886.78

$8,732.52

$727.71

$5,181.00

$431.75

$120.00

$10.00

$0.00

$11,056.24

$31,507.78

N/A

XXXX

$10.00

XXXX

Annually

41.05%

41.19%

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), 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 - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

801

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

369360.68

33.4

369360.68

33.4

77.18

N/A

Borrower As Individual

N/A

XXXX

10064915

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12800.0

12/09/2025

6.220%

Manual Underwriting

7.931%

7.750%

$7,833.97

$12,821.52

$1,068.46

$2,103.00

$175.25

$0.00

$9,077.68

$24,774.50

N/A

XXXX

$0.00

XXXX

36.04%

36.25%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

802

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

60210.26

6.6

60210.26

6.6

90.0

N/A

Borrower As Individual

N/A

XXXX

10064916

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

6669.93

12/12/2025

6.220%

Manual Underwriting

7.661%

7.250%

$1,551.99

$3,476.64

$289.72

$1,359.00

$113.25

$0.00

$1,954.96

$14,150.04

N/A

XXXX

$0.00

XXXX

16.31%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

746

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

36229.10

18.5

36229.10

18.5

85.0

N/A

Borrower As Individual

N/A

XXXX

10064917

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

23385.0

12/09/2025

6.220%

Manual Underwriting

7.077%

6.875%

$7,068.55

$23,049.36

$1,920.78

$3,954.00

$329.50

$6,600.00

$550.00

$0.00

$9,868.83

$16,709.62

N/A

XXXX

$550.00

XXXX

Monthly

41.89%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

695

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

139292.09

15.5

139292.09

15.5

51.24

N/A

Borrower As Individual

N/A

XXXX

10064918

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$4,215.89

$3,043.44

$253.62

$1,554.00

$129.50

$0.00

$4,599.01

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.109

1.1

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

713

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

400894.58

87.2

67.01

N/A

Yes

Borrower As Individual

N/A

XXXX

10064919

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

18214.33

12/10/2025

6.220%

Manual Underwriting

7.072%

6.875%

$7,160.23

$24,188.64

$2,015.72

$10,531.08

$877.59

$5,880.00

$490.00

$0.00

$10,543.54

$78,880.33

N/A

XXXX

$490.00

XXXX

Monthly

21.66%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

689

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

338317.41

32.1

338317.41

32.1

68.55

N/A

Borrower As Individual

N/A

XXXX

10064920

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

29058.25

12/08/2025

6.220%

Manual Underwriting

6.834%

6.625%

$4,514.19

$16,277.88

$1,356.49

$7,787.52

$648.96

$2,199.96

$183.33

$0.00

$6,702.97

$11,421.80

N/A

XXXX

$183.33

XXXX

Annually

47.61%

47.02%

Self-Employed

Other

N/A

Yes

0.00%

85.00%

N/A

Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

723

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

66525.14

9.9

66525.14

9.9

67.14

N/A

Borrower As Individual

N/A

XXXX

10064921

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7965.0

12/08/2025

6.220%

Manual Underwriting

6.454%

6.250%

$3,755.87

$20,375.88

$1,697.99

$1,386.12

$115.51

$0.00

$5,569.37

$18,291.20

N/A

XXXX

$0.00

XXXX

22.58%

24.62%

Not Employed

Asset Utilization (DTI)

N/A

60.0

N/A

Yes

100.00%

0.00%

100.00%

Stocks/Bonds

N/A

Borrower - N/A, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified || Co Borrower - Other - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified

XXXX

786

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

42195.82

7.6

42195.82

7.6

53.74

N/A

Borrower As Individual

N/A

XXXX

10064922

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$1,673.75

$4,093.68

$341.14

$1,015.68

$84.64

$0.00

$2,099.53

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

795

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

304062.93

144.8

60.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064923

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$2,177.51

$1,849.68

$154.14

$1,578.00

$131.50

$392.04

$32.67

$0.00

$2,495.82

$49,759.62

N/A

XXXX

$32.67

XXXX

Annually

23.66%

Yes

Self-Employed

1YR Full Doc

1 YR W2

N/A

Yes

0.00%

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 1 YR W2 Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1, 1120S), 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024

XXXX

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

10505.04

4.2

10505.04

4.2

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10064924

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

5614.05

12/01/2025

6.190%

Manual Underwriting

8.224%

8.000%

$2,317.96

$2,469.12

$205.76

$963.96

$80.33

$720.00

$60.00

$0.00

$2,664.05

$19,123.10

N/A

XXXX

$60.00

XXXX

Monthly

31.16%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

722

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

32519.83

12.2

32519.83

12.2

90.0

N/A

Borrower As Individual

N/A

XXXX

10064925

XXXX

ATR/QM: Exempt

Yes

N/A

Client Affirms Non-QM Status

Manual Underwriting

6.875%

$8,277.30

$10,498.56

$874.88

$7,071.96

$589.33

$500.04

$41.67

$0.00

$9,783.18

$264,458.66

N/A

XXXX

$41.67

XXXX

Annually

4.93%

5.34%

Yes

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Audited

Accountant/Bookkeeper

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

719

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

5774433.12

590.2

5774433.12

590.2

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064927

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$2,488.77

$1,209.00

$100.75

$1,056.96

$88.08

$3,552.00

$296.00

$0.00

$2,973.60

N/A

XXXX

$296.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.695

1.69

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

792

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

96736.12

32.5

96736.12

32.5

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064928

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14365.0

12/09/2025

6.220%

Manual Underwriting

6.830%

6.500%

$3,160.34

$9,425.40

$785.45

$3,495.72

$291.31

$0.00

$4,237.10

$12,622.06

N/A

XXXX

$0.00

XXXX

39.36%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

773

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

62348.59

16.2

62348.59

16.2

37.04

N/A

Borrower As Individual

N/A

XXXX

10064929

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8976.08

12/08/2025

6.220%

Manual Underwriting

8.257%

7.875%

$2,264.39

$2,659.32

$221.61

$1,495.56

$124.63

$0.00

$2,610.63

$8,882.01

N/A

XXXX

$0.00

XXXX

44.56%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

726

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

40748.65

15.6

40748.65

15.6

90.0

N/A

Borrower As Individual

N/A

XXXX

10064930

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$1,623.13

$5,089.80

$424.15

$2,803.56

$233.63

$0.00

$2,280.91

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.425

1.42

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

765

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

166716.67

73.1

68.53

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064931

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

8245.0

12/03/2025

6.190%

Manual Underwriting

7.347%

6.875%

$1,524.07

$1,298.40

$108.20

$1,017.96

$84.83

$6,672.00

$556.00

$0.00

$2,273.10

$6,031.54

Yes

XXXX

$556.00

XXXX

Monthly

32.31%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

759

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

19894.22

8.8

19894.22

8.8

80.0

Yes

Borrower As Individual

N/A

XXXX

10064932

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10865.0

12/10/2025

6.220%

Manual Underwriting

6.728%

6.625%

$4,610.24

$9,938.88

$828.24

$1,545.96

$128.83

$0.00

$5,567.31

$14,139.02

N/A

XXXX

$0.00

XXXX

28.25%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

799

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

213207.83

38.3

213207.83

38.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10064933

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10750.0

12/05/2025

6.190%

Manual Underwriting

6.957%

6.750%

$4,093.95

$4,369.80

$364.15

$2,003.64

$166.97

$0.00

$4,625.07

$5,883.51

N/A

XXXX

$0.00

XXXX

46.50%

Employed

2YR Full Doc

2 YRS W2

Less than 1 Month

N/A

Yes

0.00%

Proceeds from Sale

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Retirement - 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

802

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

153860.57

33.3

153860.57

33.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10064934

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$2,894.75

$13,023.12

$1,085.26

$1,380.00

$115.00

$0.00

$4,095.01

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.001

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

774

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

55982.02

13.7

55982.02

13.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064935

XXXX

ATR/QM: Exempt

Yes

N/A

Client Affirms Non-QM Status

11/25/2025

6.260%

Manual Underwriting

7.382%

7.125%

$3,562.29

$10,897.68

$908.14

$1,540.92

$128.41

$4,272.00

$356.00

$0.00

$4,954.84

$14,862.39

Yes

XXXX

$356.00

XXXX

Annually

41.26%

Yes

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - Wage, Retirement, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

777

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

80046.11

16.2

80046.11

16.2

75.0

Yes

Member on Behalf of Entity

N/A

XXXX

10064936

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7000.0

11/25/2025

6.260%

Manual Underwriting

8.256%

7.875%

$1,827.17

$2,500.32

$208.36

$990.12

$82.51

$0.00

$2,118.04

$21,080.84

N/A

XXXX

$0.00

XXXX

22.43%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

651

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

61594.26

29.1

70.0

N/A

Borrower As Individual

N/A

XXXX

10064937

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

29519.34

12/04/2025

6.190%

Manual Underwriting

6.792%

6.625%

$6,515.80

$22,284.96

$1,857.08

$2,018.64

$168.22

$995.04

$82.92

$0.00

$8,624.02

$18,156.10

N/A

XXXX

$82.92

XXXX

Annually

38.86%

38.85%

Self-Employed

12 Month Bank Statement

1 Month

N/A

Yes

32.63%

100.00%

N/A

Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Personal Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

736

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

192604.67

22.3

192604.67

22.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10064938

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Interest Only

6223.97

12/09/2025

6.220%

Manual Underwriting

6.690%

6.625%

$9,066.53

$5,282.04

$440.17

$2,055.00

$171.25

$660.00

$55.00

$0.00

$9,732.95

$18,865.98

N/A

XXXX

$55.00

XXXX

Monthly

38.85%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

725

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

308560.92

42.2

308560.92

42.2

80.0

N/A

Borrower As Individual

N/A

The Templeman Joint Revocable Trust, dated July 28, 2023

XXXX

10064940

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$1,684.46

$3,620.52

$301.71

$581.52

$48.46

$0.00

$2,034.63

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.081

1.08

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

733

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

160100.53

78.7

65.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064942

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

34333.21

12/04/2025

6.190%

Manual Underwriting

8.630%

8.250%

$8,869.92

$18,840.36

$1,570.03

$2,698.92

$224.91

$399.96

$33.33

$0.00

$10,698.19

$333,277.99

N/A

XXXX

$33.33

XXXX

Annually

6.10%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

729

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

168098.79

15.7

168098.79

15.7

90.0

N/A

Borrower As Individual

N/A

XXXX

10064944

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15065.0

12/09/2025

6.220%

Manual Underwriting

7.004%

6.625%

$3,073.49

$1,708.68

$142.39

$4,098.36

$341.53

$0.00

$3,557.41

$6,384.26

N/A

XXXX

$0.00

XXXX

36.26%

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

73.84%

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"] - 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

815

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

39572.44

11.1

39572.44

11.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10064946

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$3,230.02

$4,418.28

$368.19

$1,437.96

$119.83

$108.00

$9.00

$0.00

$3,727.04

$23,661.79

N/A

XXXX

$9.00

XXXX

Monthly

33.65%

Yes

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025","2023"] - 2024, 2025, 2023

Borrower - ["2024","2025","2023"] - 2024, 2025, 2023

XXXX

759

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

69065.79

18.5

72660.28

19.5

77.81

N/A

Yes

Borrower As Individual

N/A

XXXX

10064947

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

5745.13

12/10/2025

6.220%

Manual Underwriting

7.045%

6.875%

$1,699.31

$3,694.20

$307.85

$3,581.04

$298.42

$0.00

$2,305.58

$8,757.77

N/A

XXXX

$0.00

XXXX

46.47%

43.63%

Yes

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Yes

160

Work Number

Yes

Work Number

N/A

Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025"] - 2025 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

808

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

220835.20

95.8

220835.20

95.8

75.0

N/A

Borrower As Individual

N/A

XXXX

10064948

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.500%

$1,587.22

$8,500.20

$708.35

$1,315.92

$109.66

$5,004.00

$417.00

$0.00

$2,822.23

$82,241.79

Yes

XXXX

$417.00

XXXX

Monthly

28.00%

27.97%

Yes

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

93.73%

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"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

712

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

248651.62

88.1

248651.62

88.1

39.34

Yes

Borrower As Individual

N/A

Michaels Trust U/T/D

XXXX

10064949

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14267.5

12/03/2025

6.190%

Manual Underwriting

7.224%

7.125%

$3,038.47

$2,946.96

$245.58

$1,097.04

$91.42

$875.04

$72.92

$0.00

$3,448.39

$7,489.99

N/A

XXXX

$72.92

XXXX

Annually

40.85%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

740

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

11945.77

3.5

11945.77

3.5

84.94

N/A

Borrower As Individual

N/A

XXXX

10064950

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

6172.1

12/04/2025

6.190%

Manual Underwriting

7.443%

7.125%

$936.47

$1,334.88

$111.24

$0.00

$2,220.00

$185.00

$1,945.00

$3,177.71

$6,523.42

N/A

XXXX

$185.00

XXXX

Monthly

44.00%

Yes

Employed

1YR Full Doc

1 YR W2

1 Month

2+ Months

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage - 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 || Co Borrower - Wage - 1 YR W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

691

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

29878.08

9.4

29878.08

9.4

42.78

N/A

Borrower As Individual

N/A

XXXX

10064951

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$6,531.25

$28,838.64

$2,403.22

$3,024.00

$252.00

$6,891.96

$574.33

$0.00

$9,760.80

N/A

XXXX

$574.33

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.809

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

720

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

452980.10

46.4

452980.10

46.4

52.38

N/A

Yes

Borrower As Individual

N/A

XXXX

10064952

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$5,410.42

$14,259.96

$1,188.33

$2,152.44

$179.37

$0.00

$6,778.12

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.225

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

750

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

79845.42

11.8

72.59

N/A

Yes

Borrower As Individual

N/A

XXXX

10064953

XXXX

ATR/QM: Exempt

Yes

N/A

12/09/2025

6.220%

Manual Underwriting

7.121%

6.750%

$2,701.41

$24,198.00

$2,016.50

$2,783.76

$231.98

$800.04

$66.67

$0.00

$5,016.56

$33,812.31

N/A

XXXX

$66.67

XXXX

Annually

40.43%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

82.28%

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

766

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

77284.09

15.4

77284.09

15.4

25.02

N/A

Yes

Borrower As Individual

N/A

XXXX

10064954

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

13153.28

12/10/2025

6.220%

Manual Underwriting

7.031%

6.750%

$3,660.78

$12,378.96

$1,031.58

$2,943.96

$245.33

$695.04

$57.92

$0.00

$4,995.61

$10,781.02

N/A

XXXX

$57.92

XXXX

Annually

43.35%

Employed

2YR Full Doc

2 YRS W2

N/A

Yes

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

778

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

170913.96

34.2

170913.96

34.2

79.83

N/A

Borrower As Individual

N/A

XXXX

10064955

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$1,684.46

$3,564.00

$297.00

$581.52

$48.46

$0.00

$2,029.92

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.084

1.08

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

733

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

160100.53

78.9

160100.53

78.9

65.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064957

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$19,783.11

$28,056.60

$2,338.05

$15,375.36

$1,281.28

$0.00

$23,402.44

$58,765.15

N/A

XXXX

$0.00

XXXX

32.31%

32.32%

Yes

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

50.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

755

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

746682.71

31.9

746682.71

31.9

73.42

N/A

Yes

Borrower As Individual

N/A

XXXX

10064958

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$4,845.03

$3,553.80

$296.15

$2,826.00

$235.50

$0.00

$5,376.68

$34,542.00

N/A

XXXX

$0.00

XXXX

37.30%

36.34%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

89.97%

100.00%

N/A

Borrower - SESoleProprietor, SEPartnership, SESoleProprietor, Retirement, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

756

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

71416.91

13.3

71416.91

13.3

61.74

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064959

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7349.38

12/10/2025

6.220%

Manual Underwriting

7.066%

6.875%

$2,882.28

$3,024.84

$252.07

$1,590.96

$132.58

$0.00

$3,266.93

$103,858.52

N/A

XXXX

$0.00

XXXX

13.76%

13.66%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

40.00%

0.00%

N/A

Yes

N/A

Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - []

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - []

XXXX

705

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

ID Card

XXXX

United States of America (USA)

XXXX

I-151 Permanent Resident Card

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

17134.75

5.2

17134.75

5.2

75.0

N/A

Borrower As Individual

N/A

XXXX

10064960

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10630.0

12/02/2025

6.190%

Manual Underwriting

7.419%

7.250%

$6,548.89

$22,440.24

$1,870.02

$2,915.04

$242.92

$849.00

$70.75

$0.00

$8,732.58

$48,706.58

N/A

XXXX

$70.75

XXXX

Annually

15.32%

15.25%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

663

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

145853.10

16.7

145853.10

16.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10064961

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$2,701.90

$1,673.16

$139.43

$1,902.96

$158.58

$0.00

$2,999.91

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

796

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

189383.71

63.1

189383.71

63.1

78.3

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064962

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$2,414.38

$2,224.68

$185.39

$1,089.00

$90.75

$0.00

$2,690.52

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.982

1.98

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

797

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

27167.29

10.1

27167.29

10.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064963

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/04/2025

6.190%

Manual Underwriting

7.563%

7.250%

$4,966.24

$12,223.68

$1,018.64

$8,825.04

$735.42

$0.00

$6,720.30

$162,046.77

N/A

XXXX

$0.00

XXXX

10.37%

10.20%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

692

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

.00

0.0

155503.51

23.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10064964

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/12/2025

6.220%

Manual Underwriting

6.524%

6.375%

$4,473.15

$6,570.96

$547.58

$3,249.48

$270.79

$0.00

$5,291.52

$7,295.35

N/A

XXXX

$0.00

XXXX

44.86%

Employed

2YR Full Doc

1 YR W2

2 YRS W2

1 Month

Less than 1 Month

N/A

Yes

0.00%

N/A

Yes

161

Work Number

N/A

Borrower - Wage, Overtime, Bonus, Other - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023"] - 2023 || Co Borrower - Wage - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023"] - 2023 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024

XXXX

758

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

74217.81

14.0

74217.81

14.0

68.94

N/A

Borrower As Individual

N/A

XXXX

10064965

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$2,432.24

$11,098.68

$924.89

$6,289.08

$524.09

$3,204.00

$267.00

$0.00

$4,148.22

N/A

XXXX

$267.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.012

1.01

N/A

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

XXXX

660

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

79201.18

20.3

79201.18

20.3

50.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10064966

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$2,255.38

$2,309.40

$192.45

$849.96

$70.83

$0.00

$2,518.66

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.191

1.19

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

661

XXXX

Unknown

US Citizen

N/A

Other

VERIFICATION OF IDENTITY

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

199020.74

79.0

60.0

N/A

Yes

Borrower As Individual

N/A

TRUSTEE OF GOTTS FAMILY TRUST

XXXX

10064967

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/11/2025

6.220%

Manual Underwriting

6.732%

6.500%

$7,837.64

$3,712.56

$309.38

$2,370.96

$197.58

$0.00

$8,344.60

$15,668.68

N/A

XXXX

$0.00

XXXX

37.13%

Retired

1YR Full Doc

N/A

Yes

N/A

0.00%

Stocks/Bonds

N/A

Borrower - SSI and Disability, Retirement, Other REO Net Rental Income(Loss), Retirement - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

801

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

532894.16

63.9

532894.16

63.9

80.0

N/A

Borrower As Individual

N/A

Ronald Y. Claybourn and Jacqueline Daigle Trust, dated March 23, 2017

XXXX

10064968

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$2,058.77

$10,051.80

$837.65

$1,553.04

$129.42

$0.00

$3,025.84

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.224

N/A

XXXX

778

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

45085.84

14.9

45085.84

14.9

60.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10064969

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15518.63

12/03/2025

6.190%

Manual Underwriting

8.132%

7.750%

$3,933.10

$7,861.32

$655.11

$3,219.00

$268.25

$0.00

$4,856.46

$13,380.23

N/A

XXXX

$0.00

XXXX

37.04%

Self-Employed

Employed

1099 Verified

2 YRS 1099

2 YRS W2

1 Month

N/A

Yes

0.00%

100.00%

0.00%

N/A

Yes

Work Number

Yes

Work Number

N/A

Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2023","2024"] - 2025, 2023, 2024 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2023","2024"] - 2025, 2023, 2024

Borrower - 3 YRS Executed 4506T Verified - ["2025","2023","2024"] - 2025, 2023, 2024 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2023","2024"] - 2025, 2023, 2024

XXXX

722

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

53052.41

10.9

53052.41

10.9

90.0

N/A

Borrower As Individual

N/A

XXXX

10064970

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11641.0

12/05/2025

6.190%

Manual Underwriting

6.937%

6.750%

6.875%

$1,725.27

$9,273.36

$772.78

$3,320.16

$276.68

$0.00

$2,774.73

$5,047.29

N/A

XXXX

$0.00

XXXX

39.16%

38.89%

Self-Employed

12 Month Bank Statement

N/A

Yes

53.14%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Retirement - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

793

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

257412.34

92.8

15.38

N/A

Borrower As Individual

N/A

XXXX

10064972

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$1,802.98

$6,063.24

$505.27

$1,395.96

$116.33

$0.00

$2,424.58

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.072

1.07

N/A

XXXX

797

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

64670.94

26.7

64670.94

26.7

53.82

N/A

Yes

Borrower As Individual

N/A

XXXX

10064973

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.875%

$1,506.33

$2,002.68

$166.89

$5,432.16

$452.68

$0.00

$2,125.90

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.152

1.15

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

716

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

194718.74

91.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10064974

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/08/2025

6.220%

Manual Underwriting

7.318%

6.875%

$1,839.40

$6,390.24

$532.52

$849.24

$70.77

$2,016.00

$168.00

$0.00

$2,610.69

$3,136.84

N/A

XXXX

$168.00

XXXX

Monthly

48.74%

46.31%

Retired

2YR Full Doc

N/A

36.0

Yes

0.00%

N/A

Borrower - Retirement - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified

XXXX

726

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

40222.12

15.4

40222.12

15.4

80.0

N/A

Borrower As Individual

N/A

XXXX

10064975

XXXX

Yes

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$1,152.56

$12,828.36

$1,069.03

$3,726.00

$310.50

$750.00

$62.50

$0.00

$2,594.59

N/A

XXXX

$62.50

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.043

2.04

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

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

186241.71

71.8

185475.87

71.5

24.83

N/A

Yes

Borrower As Individual

N/A

XXXX

10064976

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/08/2025

6.220%

Manual Underwriting

7.797%

7.375%

$2,624.57

$6,870.36

$572.53

$2,156.04

$179.67

$0.00

$3,376.77

$4,421.65

N/A

XXXX

$0.00

XXXX

43.30%

Self-Employed

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

78.65%

100.00%

Proceeds from Sale

N/A

Borrower - SESoleProprietor, Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

653

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

30278.47

9.0

30278.47

9.0

80.0

N/A

Borrower As Individual

N/A

XXXX

10064977

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

19250.28

12/11/2025

6.220%

Manual Underwriting

6.935%

6.750%

$2,819.01

$12,844.92

$1,070.41

$2,444.04

$203.67

$594.96

$49.58

$0.00

$4,142.67

$83,003.93

N/A

XXXX

$49.58

XXXX

Annually

8.31%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

0.00%

50.00%

N/A

Borrower - Other REO Net Rental Income(Loss) || Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

766

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

161802.76

39.1

161802.76

39.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10064979

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$3,871.88

$12,309.96

$1,025.83

$1,023.00

$85.25

$17,052.00

$1,421.00

$0.00

$6,403.96

$16,069.99

Yes

XXXX

$1,421.00

XXXX

Monthly

34.61%

33.35%

Yes

Self-Employed

1YR Full Doc

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

799

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

317614.30

49.6

322582.19

50.4

75.0

Yes

Member on Behalf of Entity

N/A

XXXX

10088803

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$4,043.34

$10,130.04

$844.17

$5,969.64

$497.47

$0.00

$5,384.98

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.401

1.41

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

774

XXXX

Unknown

US Citizen

N/A

Other

Patriot Drivring License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

3586893.72

666.1

3591802.62

667.0

56.11

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088804

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

24079.18

12/22/2025

6.250%

Manual Underwriting

6.280%

6.250%

$14,350.61

$79,367.04

$6,613.92

$7,377.96

$614.83

$0.00

$21,579.36

$45,293.23

N/A

XXXX

$0.00

XXXX

38.75%

Self-Employed

2YR Full Doc

2 YRS W2

N/A

Yes

0.00%

49.50%

51.00%

N/A

Borrower - SECorporation, SECorporation, 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) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1, 1065), 2 YRS W2 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 || Co Borrower - SECorporation, SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS W2 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1, 1065), 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023"] - 2024, 2023

XXXX

789

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

214786.57

10.0

214786.57

10.0

43.16

N/A

Borrower As Individual

N/A

XXXX

10088806

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.125%

$1,989.32

$1,830.72

$152.56

$1,904.04

$158.67

$0.00

$2,300.55

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.021

1.14

N/A

XXXX

732

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Passport

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

313121.97

136.1

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088807

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$2,241.09

$910.20

$75.85

$795.96

$66.33

$0.00

$2,383.27

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.196

1.19

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

723

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

105262.94

44.2

73.68

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088808

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

68441.04

12/22/2025

6.250%

Manual Underwriting

6.736%

6.500%

$9,898.19

$27,160.32

$2,263.36

$14,431.80

$1,202.65

$0.00

$13,364.20

$471,080.00

N/A

XXXX

$0.00

XXXX

5.77%

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), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

720

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

216589.28

16.2

222283.21

16.6

71.67

N/A

Borrower As Individual

N/A

XXXX

10088809

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/02/2025

6.190%

Manual Underwriting

6.735%

6.625%

$7,504.44

$24,120.36

$2,010.03

$7,800.96

$650.08

$1,307.04

$108.92

$0.00

$10,273.47

$14,834.50

N/A

XXXX

$108.92

XXXX

Annually

47.63%

47.92%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

Stocks/Bonds

N/A

Yes

Work Number

N/A

Borrower - Wage, Bonus, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

770

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

223377.30

24.2

223377.30

24.2

78.13

N/A

Borrower As Individual

N/A

XXXX

10088810

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.875%

$2,175.21

$8,378.52

$698.21

$1,569.00

$130.75

$0.00

$3,004.17

$44,726.08

N/A

XXXX

$0.00

XXXX

16.74%

33.31%

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), 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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

709

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

284664.12

94.8

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088811

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9520.76

12/05/2025

6.190%

Manual Underwriting

8.785%

8.500%

$1,507.07

$3,917.16

$326.43

$2,739.72

$228.31

$0.00

$2,061.81

$6,633.23

N/A

XXXX

$0.00

XXXX

48.63%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

0.00%

100.00%

N/A

Borrower - N/A || Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

659

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

US Patriot Act

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16535.83

8.0

196167.15

95.1

70.0

N/A

Borrower As Individual

N/A

XXXX

10088812

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$2,772.76

$12,170.28

$1,014.19

$8,892.12

$741.01

$0.00

$4,527.96

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.303

1.35

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

738

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

44928.91

9.9

44928.91

9.9

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088813

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

25676.9

12/15/2025

6.270%

Manual Underwriting

6.554%

6.375%

$5,427.67

$17,210.52

$1,434.21

$1,890.12

$157.51

$4,200.00

$350.00

$0.00

$7,369.39

$10,287.28

XXXX

$350.00

XXXX

Monthly

42.58%

Employed

Not Employed

2YR Full Doc

1 Month

N/A

Yes

N/A

0.00%

N/A

Borrower - Wage, Retirement - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - N/A - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified

XXXX

790

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

650205.20

88.2

650205.20

88.2

63.5

Yes

Borrower As Individual

N/A

XXXX

10088814

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$2,091.73

$5,569.80

$464.15

$2,253.00

$187.75

$0.00

$2,743.63

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.443

1.47

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

804

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

17304.18

6.3

17304.18

6.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088815

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$1,386.38

$2,056.68

$171.39

$1,014.00

$84.50

$0.00

$1,642.27

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.032

1.03

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

774

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

19613.25

11.9

19613.25

11.9

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088816

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

29452.0

12/16/2025

6.270%

Manual Underwriting

6.918%

6.750%

$5,188.78

$6,441.00

$536.75

$2,997.96

$249.83

$0.00

$5,975.36

$7,810.64

N/A

XXXX

$0.00

XXXX

44.39%

44.38%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

781

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

116341.68

19.5

116341.68

19.5

70.48

N/A

Borrower As Individual

N/A

XXXX

10088817

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10615.0

12/11/2025

6.220%

Manual Underwriting

7.659%

7.500%

$2,447.25

$5,585.64

$465.47

$7,317.96

$609.83

$0.00

$3,522.55

$83,866.45

N/A

XXXX

$0.00

XXXX

9.69%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

662

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

45797.69

13.0

291491.68

82.8

32.93

N/A

Borrower As Individual

N/A

XXXX

10088818

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

24682.34

12/03/2025

6.190%

Manual Underwriting

7.057%

6.750%

$6,197.35

$13,205.04

$1,100.42

$6,539.04

$544.92

$0.00

$7,842.69

$37,580.54

N/A

XXXX

$0.00

XXXX

26.82%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

784

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

209733.92

26.7

209733.92

26.7

70.0

N/A

Borrower As Individual

N/A

XXXX

10088820

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/18/2025

6.270%

Manual Underwriting

6.881%

6.625%

$1,984.96

$2,743.68

$228.64

$3,555.00

$296.25

$960.00

$80.00

$0.00

$2,609.85

$7,015.97

N/A

XXXX

$80.00

XXXX

Monthly

18.70%

49.87%

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), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

787

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

300524.31

116.0

67.83

N/A

Borrower As Individual

N/A

XXXX

10088821

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,558.65

$851.88

$70.99

$969.96

$80.83

$0.00

$1,710.47

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.374

1.42

N/A

XXXX

780

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

160117.27

93.6

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088822

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.625%

$2,749.78

$4,219.08

$351.59

$3,539.28

$294.94

$0.00

$3,396.31

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.351

1.32

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

712

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

73726.65

21.7

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088823

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$3,476.37

$7,052.88

$587.74

$3,150.48

$262.54

$0.00

$4,326.65

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.341

1.32

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

820

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

530061.73

122.5

51.89

N/A

Yes

Borrower As Individual

N/A

XXXX

10088825

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12921.5

12/12/2025

6.220%

Manual Underwriting

6.620%

6.375%

$4,211.12

$11,167.08

$930.59

$2,540.04

$211.67

$0.00

$5,353.38

$5,856.62

N/A

XXXX

$0.00

XXXX

49.20%

48.84%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

Audited

Tax Preparer

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

723

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

335368.63

62.7

59.63

N/A

Borrower As Individual

N/A

XXXX

10088826

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$1,018.09

$5,795.04

$482.92

$457.32

$38.11

$4,320.00

$360.00

$0.00

$1,899.12

Yes

XXXX

$360.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.237

1.23

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

798

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

68041.39

35.8

68041.39

35.8

45.43

Yes

Member on Behalf of Entity

N/A

XXXX

10088828

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

8.625%

$1,166.68

$4,038.00

$336.50

$3,135.96

$261.33

$0.00

$1,764.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.404

2.34

N/A

XXXX

669

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

137953.14

78.2

65.79

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088829

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$1,200.93

$4,782.60

$398.55

$1,209.60

$100.80

$0.00

$1,700.28

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.294

1.29

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

711

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

175119.48

103.0

50.8

N/A

Yes

Borrower As Individual

N/A

XXXX

10088830

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.500%

$3,174.43

$1,417.56

$118.13

$4,749.12

$395.76

$0.00

$3,688.32

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.356

1.43

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

649

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

96436.18

26.2

61.77

N/A

Yes

Borrower As Individual

N/A

XXXX

10088831

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$972.90

$5,867.88

$488.99

$3,539.04

$294.92

$300.00

$25.00

$0.00

$1,781.81

N/A

XXXX

$25.00

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.038

1.03

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

711

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

120001.22

67.4

56.18

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088832

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

25205.0

12/22/2025

6.250%

Manual Underwriting

6.622%

6.250%

$4,617.88

$7,361.28

$613.44

$4,083.24

$340.27

$0.00

$5,571.59

$22,534.68

N/A

XXXX

$0.00

XXXX

29.76%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

717

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

26409.67

4.7

26409.67

4.7

57.69

N/A

Borrower As Individual

N/A

XXXX

10088833

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$2,395.66

$2,229.24

$185.77

$3,909.00

$325.75

$0.00

$2,907.18

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.204

1.2

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

704

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

29107.90

10.0

29107.90

10.0

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088834

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.125%

$1,740.20

$4,990.92

$415.91

$854.16

$71.18

$0.00

$2,227.29

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.01

N/A

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

XXXX

806

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

15947.05

7.2

15947.05

7.2

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088835

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

34253.8

12/22/2025

6.250%

Manual Underwriting

6.751%

6.625%

$7,939.86

$12,728.28

$1,060.69

$2,474.04

$206.17

$0.00

$9,206.72

$36,832.95

N/A

XXXX

$0.00

XXXX

33.20%

Retired

Not Employed

1YR Full Doc

N/A

Yes

N/A

0.00%

Stocks/Bonds

N/A

Borrower - Retirement, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

XXXX

777

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

836588.82

90.9

836588.82

90.9

80.0

N/A

Borrower As Individual

N/A

XXXX

10088839

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10265.0

12/22/2025

6.250%

Manual Underwriting

7.185%

6.875%

$3,153.26

$7,937.88

$661.49

$1,471.32

$122.61

$7,572.00

$631.00

$0.00

$4,568.36

$5,895.52

Yes

XXXX

$631.00

XXXX

Monthly

48.51%

48.12%

Retired

1YR Full Doc

N/A

Yes

0.00%

N/A

Borrower - Retirement, SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

804

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

147799.58

32.4

147799.58

32.4

75.0

Yes

Borrower As Individual

N/A

Evangeline Ceralde Peterson Revocable Trust

XXXX

10088840

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9977.0

12/17/2025

6.270%

Manual Underwriting

6.915%

6.750%

$2,104.57

$2,600.88

$216.74

$2,946.96

$245.58

$0.00

$2,566.89

$16,571.22

N/A

XXXX

$0.00

XXXX

21.93%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

0.00%

N/A

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower - N/A

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

757

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

131027.63

51.1

131027.63

51.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10088841

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

6890.63

12/15/2025

6.270%

Manual Underwriting

8.332%

7.750%

$1,309.24

$4,378.80

$364.90

$277.80

$23.15

$3,396.00

$283.00

$0.00

$1,980.29

$5,745.40

Yes

XXXX

$283.00

XXXX

Monthly

29.03%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

731

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

18564.32

9.4

18564.32

9.4

85.0

Yes

Borrower As Individual

N/A

XXXX

10088842

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$2,114.90

$8,194.08

$682.84

$3,659.88

$304.99

$0.00

$3,102.73

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.023

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

784

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

69525.97

22.4

69525.97

22.4

74.22

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088843

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,379.55

$5,419.08

$451.59

$1,893.00

$157.75

$0.00

$1,988.89

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.358

1.22

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

726

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

51343.28

25.8

28.97

N/A

Yes

Borrower As Individual

N/A

Jose L. Bravo Trust

XXXX

10088844

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$2,036.19

$9,825.00

$818.75

$2,574.96

$214.58

$2,184.00

$182.00

$0.00

$3,251.52

N/A

XXXX

$182.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.015

1.04

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

710

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

290168.05

89.2

62.35

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088845

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

6087.72

12/15/2025

6.270%

Manual Underwriting

7.987%

7.750%

$1,160.59

$3,749.64

$312.47

$4,629.96

$385.83

$1,920.00

$160.00

$0.00

$2,018.89

$9,963.11

N/A

XXXX

$160.00

XXXX

Monthly

35.23%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

655

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

148121.79

73.4

56.84

N/A

Borrower As Individual

N/A

XXXX

10088846

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

5602.92

12/15/2025

6.270%

Manual Underwriting

6.610%

6.375%

$1,971.43

$1,467.00

$122.25

$465.00

$38.75

$4,320.00

$360.00

$0.00

$2,492.43

$10,806.05

Yes

XXXX

$360.00

XXXX

Monthly

30.15%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - null Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - null Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

763

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

39259.84

15.8

39259.84

15.8

80.0

Yes

Borrower As Individual

N/A

XXXX

10088848

XXXX

ATR/QM: Exempt

Yes

N/A

Client Affirms Non-QM Status

Manual Underwriting

7.125%

$4,951.83

$15,115.44

$1,259.62

$5,024.16

$418.68

$5,124.00

$427.00

$0.00

$7,057.13

$15,385.13

N/A

XXXX

$427.00

XXXX

Monthly

33.48%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

746

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

702752.03

99.6

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088849

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14113.75

12/22/2025

6.250%

Manual Underwriting

7.916%

8.000%

$2,751.62

$5,169.24

$430.77

$1,226.04

$102.17

$1,836.00

$153.00

$0.00

$3,437.56

$6,530.61

N/A

XXXX

$153.00

XXXX

Monthly

46.33%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

620

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

4197.99

1.2

88422.07

25.7

56.48

N/A

Borrower As Individual

N/A

XXXX

10088850

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

8.250%

$1,677.58

$7,698.24

$641.52

$1,979.04

$164.92

$0.00

$2,484.02

$52,123.86

N/A

XXXX

$0.00

XXXX

12.75%

12.93%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

674

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

973160.72

391.8

973160.72

391.8

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088851

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$2,351.25

$4,052.88

$337.74

$1,967.04

$163.92

$0.00

$2,852.91

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.157

1.02

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

774

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

373823.39

131.0

373823.39

131.0

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088853

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

7355.0

12/18/2025

6.270%

Manual Underwriting

7.506%

7.125%

$1,643.87

$2,618.40

$218.20

$716.04

$59.67

$680.04

$56.67

$0.00

$1,978.41

$4,569.83

N/A

XXXX

$56.67

XXXX

Annually

38.35%

Retired

ALT DOC

N/A

Yes

0.00%

N/A

Borrower - Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025

Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

769

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

122953.46

62.2

122953.46

62.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10088854

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

17587.5

12/22/2025

6.250%

Manual Underwriting

6.927%

6.750%

$6,039.60

$24,463.32

$2,038.61

$8,306.28

$692.19

$1,449.96

$120.83

$0.00

$8,891.23

$8,951.42

N/A

XXXX

$120.83

XXXX

Annually

49.95%

49.83%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

734

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1306.36

0.1

278498.58

31.3

69.27

N/A

Borrower As Individual

N/A

XXXX

10088855

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

55865.0

12/22/2025

6.250%

Manual Underwriting

6.937%

6.875%

$20,730.97

$40,704.24

$3,392.02

$12,486.00

$1,040.50

$0.00

$25,163.49

$175,807.97

N/A

XXXX

$0.00

XXXX

25.05%

25.22%

Yes

Self-Employed

Not Employed

24 Month Bank Statement

N/A

Yes

N/A

100.00%

0.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 || Co Borrower - N/A

Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 || Co Borrower

XXXX

763

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

203220.50

10.2

275925.48

13.9

60.0

N/A

Borrower As Individual

N/A

XXXX

10088856

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.250%

$2,924.66

$3,930.60

$327.55

$3,164.04

$263.67

$0.00

$3,515.88

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.024

1.1

N/A

XXXX

768

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

602861.52

171.5

602861.52

171.5

48.72

N/A

Yes

Borrower As Individual

N/A

XXXX

10088857

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14808.76

12/17/2025

6.270%

Manual Underwriting

7.479%

7.125%

$3,691.98

$10,029.96

$835.83

$4,661.28

$388.44

$0.00

$4,916.25

$9,256.89

N/A

XXXX

$0.00

XXXX

42.14%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership, SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

669

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

66351.04

13.5

67270.99

13.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10088858

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/19/2025

6.270%

Manual Underwriting

6.581%

6.250%

$1,908.72

$10,252.08

$854.34

$1,225.08

$102.09

$0.00

$2,865.15

$29,413.82

N/A

XXXX

$0.00

XXXX

12.78%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

758

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

17513.07

6.1

17513.07

6.1

45.26

N/A

Borrower As Individual

N/A

XXXX

10088862

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$8,340.97

$34,159.80

$2,846.65

$7,116.96

$593.08

$0.00

$11,780.70

$21,243.48

N/A

XXXX

$0.00

XXXX

38.97%

39.06%

Yes

Not Employed

Self-Employed

2YR Full Doc

2 YRS W2

N/A

Yes

0.00%

100.00%

N/A

Borrower - Other REO Net Rental Income(Loss) - Executed 4506T Verified || Co Borrower - SESCorp, 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 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024

Borrower - Executed 4506T Verified || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024

XXXX

829

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1172185.99

109.8

995139.50

93.2

50.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088863

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9513.0

12/22/2025

6.250%

Manual Underwriting

6.813%

6.625%

$4,897.10

$11,189.88

$932.49

$1,740.12

$145.01

$0.00

$5,974.60

$13,921.06

N/A

XXXX

$0.00

XXXX

42.91%

42.74%

Self-Employed

Employed

12 Month Bank Statement

1 YR W2

2+ Months

N/A

Yes

Missing

Yes

76.00%

100.00%

0.00%

Proceeds from Sale

N/A

Borrower - SESCorp - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Wage - 1 YR W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

761

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

111029.35

18.6

111029.35

18.6

80.0

N/A

Borrower As Individual

N/A

XXXX

10088864

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

27785.0

12/11/2025

6.220%

Manual Underwriting

8.058%

7.750%

$4,642.35

$15,797.16

$1,316.43

$2,292.48

$191.04

$0.00

$6,149.82

$35,544.71

N/A

XXXX

$0.00

XXXX

21.51%

21.49%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

781

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

189479.63

30.8

189479.63

30.8

90.0

N/A

Borrower As Individual

N/A

XXXX

10088865

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/15/2025

6.270%

Manual Underwriting

6.415%

6.375%

$11,073.48

$46,649.04

$3,887.42

$5,082.96

$423.58

$0.00

$15,384.48

$45,341.88

N/A

XXXX

$0.00

XXXX

34.97%

Employed

Not Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

N/A

0.00%

N/A

Borrower - Wage, Bonus, Commission, Other REO Net Rental Income(Loss), 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"] - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified - []

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified - []

XXXX

765

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

204926.29

25.7

20.83

N/A

Borrower As Individual

N/A

XXXX

10088866

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$4,631.25

$13,680.00

$1,140.00

$3,541.08

$295.09

$0.00

$6,066.34

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.179

1.17

N/A

XXXX

779

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

735577.99

121.3

735577.99

121.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088867

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7565.0

12/22/2025

6.250%

Manual Underwriting

6.589%

6.250%

$1,754.79

$8,745.96

$728.83

$2,224.44

$185.37

$2,652.00

$221.00

$0.00

$2,889.99

$4,684.45

N/A

XXXX

$221.00

XXXX

Monthly

38.15%

Self-Employed

2YR Full Doc

2 YRS 1099

N/A

Yes

0.00%

N/A

Borrower - Other, Other - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

771

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

155946.66

54.0

44588.75

15.4

68.67

N/A

Borrower As Individual

N/A

XXXX

10088868

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$3,183.32

$5,367.00

$447.25

$5,069.04

$422.42

$0.00

$4,052.99

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.129

1.12

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

665

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

185987.12

45.9

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088869

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$8,286.74

$7,672.92

$639.41

$6,782.88

$565.24

$9,740.04

$811.67

$0.00

$10,303.06

$28,706.23

N/A

XXXX

$811.67

XXXX

Monthly

36.12%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

755

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1029484.34

99.9

1029484.34

99.9

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088870

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,414.81

$4,284.84

$357.07

$1,269.96

$105.83

$0.00

$1,877.71

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.278

1.27

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

738

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

50883.08

27.1

50883.08

27.1

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088871

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

16490.0

12/19/2025

6.270%

Manual Underwriting

7.010%

7.000%

$8,531.25

$20,792.04

$1,732.67

$1,969.56

$164.13

$0.00

$10,428.05

N/A

XXXX

$0.00

XXXX

0.00%

Not Employed

Asset Utilization (No DTI)

N/A

Yes

N/A

0.00%

N/A

Borrower - N/A - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified

XXXX

811

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

235527.06

22.6

75.0

N/A

Borrower As Individual

N/A

XXXX

10088872

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7270.0

12/19/2025

6.270%

Manual Underwriting

7.257%

7.000%

$997.95

$7,659.96

$638.33

$1,211.16

$100.93

$4,920.00

$410.00

$0.00

$2,147.21

$4,311.79

N/A

XXXX

$410.00

XXXX

Annually

41.96%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp - Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

760

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

63288.90

29.5

168949.89

78.7

39.47

N/A

Borrower As Individual

N/A

XXXX

10088873

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11615.0

12/16/2025

6.270%

Manual Underwriting

6.787%

6.625%

$2,497.21

$3,216.72

$268.06

$3,163.92

$263.66

$0.00

$3,028.93

$7,432.80

N/A

XXXX

$0.00

XXXX

30.73%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Retirement, Asset Depletion - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

781

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

554102.72

182.9

554102.72

182.9

49.37

N/A

Borrower As Individual

N/A

XXXX

10088874

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11769.0

12/22/2025

6.250%

Manual Underwriting

7.637%

7.375%

$4,275.28

$8,262.00

$688.50

$2,438.64

$203.22

$0.00

$5,167.00

$11,707.91

N/A

XXXX

$0.00

XXXX

48.46%

48.27%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

40.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

737

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

405049.29

78.4

79.87

N/A

Borrower As Individual

N/A

XXXX

10088875

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$8,964.35

$36,595.92

$3,049.66

$6,606.96

$550.58

$0.00

$12,564.59

$19,923.38

N/A

XXXX

$0.00

XXXX

48.87%

48.86%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

727

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

51769.42

4.1

783400.56

62.4

60.87

N/A

Yes

Borrower As Individual

N/A

XXXX

10088876

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/19/2025

6.270%

Manual Underwriting

7.001%

6.750%

$4,202.92

$2,173.20

$181.10

$2,483.04

$206.92

$0.00

$4,590.94

$9,499.20

N/A

XXXX

$0.00

XXXX

35.48%

Unknown

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

775

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Passport

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

130655.85

28.5

80.0

N/A

Borrower As Individual

N/A

XXXX

10088877

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$2,657.05

$6,776.16

$564.68

$2,379.00

$198.25

$0.00

$3,419.98

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

721

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

19127.78

5.6

19127.78

5.6

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088878

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.250%

$1,731.70

$6,606.00

$550.50

$1,998.00

$166.50

$0.00

$2,448.70

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.123

1.12

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

772

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

654877.99

267.4

654877.99

267.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088879

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$1,778.03

$10,111.44

$842.62

$1,938.00

$161.50

$0.00

$2,782.15

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.15

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

759

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

62943.61

22.6

62943.61

22.6

50.44

N/A

Yes

Borrower As Individual

N/A

XXXX

10088880

XXXX

ATR/QM: Exempt

Yes

N/A

Client Affirms Non-QM Status

Manual Underwriting

6.500%

$2,212.24

$6,101.40

$508.45

$1,497.96

$124.83

$0.00

$2,845.52

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.142

1.14

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

779

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

343481.17

120.7

41.67

N/A

Yes

Borrower As Individual

N/A

XXXX

10088881

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

1865.0

12/16/2025

6.270%

Manual Underwriting

6.923%

6.875%

$8,982.49

$21,940.92

$1,828.41

$1,608.00

$134.00

$4,428.00

$369.00

$0.00

$11,313.90

$17,340.74

N/A

XXXX

$369.00

XXXX

Monthly

45.09%

Employed

Retired

2YR Full Doc

2 YRS W2

Less than 1 Month

N/A

36.0

Yes

N/A

0.00%

N/A

Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 || Co Borrower - Executed 4506T Verified

Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 || Co Borrower - Executed 4506T Verified

XXXX

741

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

307865.69

27.2

307865.69

27.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10088882

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.875%

$1,220.63

$7,036.80

$586.40

$1,292.04

$107.67

$2,388.00

$199.00

$0.00

$2,113.70

N/A

XXXX

$199.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.041

1.04

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

653

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

78538.36

37.2

59.24

N/A

Yes

Borrower As Individual

N/A

XXXX

10088883

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$1,306.67

$3,443.76

$286.98

$2,520.96

$210.08

$1,080.00

$90.00

$0.00

$1,893.73

N/A

XXXX

$90.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.003

1.0

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

722

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

34574.79

18.3

34574.79

18.3

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088884

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.625%

$1,207.29

$8,300.76

$691.73

$1,035.96

$86.33

$0.00

$1,985.35

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.007

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

646

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

46275.84

23.3

46275.84

23.3

63.33

N/A

Yes

Borrower As Individual

N/A

XXXX

10088885

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,839.40

$6,752.52

$562.71

$1,465.20

$122.10

$0.00

$2,524.21

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.367

1.36

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

787

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

157025.38

62.2

157025.38

62.2

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088886

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12590.98

12/10/2025

6.220%

Manual Underwriting

7.881%

7.625%

$4,370.63

$3,169.32

$264.11

$3,028.08

$252.34

$0.00

$4,887.08

$9,283.67

N/A

XXXX

$0.00

XXXX

36.85%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

652

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

181573.29

37.2

65.0

N/A

Borrower As Individual

N/A

THE VARTAN ARAM YAPUDZHYAN TRUST DATED FEBRUARY 8, 2019

XXXX

10088887

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

8.375%

$1,303.52

$3,632.40

$302.70

$1,077.00

$89.75

$0.00

$1,695.97

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.061

1.06

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

646

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

157212.92

92.7

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088888

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/19/2025

6.270%

Manual Underwriting

6.615%

6.500%

$2,528.27

$1,982.40

$165.20

$1,489.32

$124.11

$0.00

$2,817.58

$7,968.42

N/A

XXXX

$0.00

XXXX

26.12%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

806

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

233222.45

82.8

233222.45

82.8

57.14

N/A

Borrower As Individual

N/A

XXXX

10088889

XXXX

Yes

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$6,086.57

$13,754.76

$1,146.23

$3,537.96

$294.83

$0.00

$7,527.63

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.182

1.18

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

813

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

761096.89

101.1

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088891

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11225.0

12/17/2025

6.270%

Manual Underwriting

8.164%

7.875%

$3,393.32

$8,223.00

$685.25

$3,245.40

$270.45

$180.00

$15.00

$0.00

$4,364.02

$11,509.86

N/A

XXXX

$15.00

XXXX

Monthly

36.70%

36.71%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

75.00%

25.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

746

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

85198.37

19.5

85198.37

19.5

90.0

N/A

Borrower As Individual

N/A

XXXX

10088892

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

37172.3

12/19/2025

6.270%

Manual Underwriting

7.109%

7.000%

$8,582.40

$13,711.32

$1,142.61

$2,900.04

$241.67

$2,796.00

$233.00

$0.00

$10,199.68

$30,078.19

N/A

XXXX

$233.00

XXXX

Monthly

42.53%

4 - Verified 2+ Mos

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

770

XXXX

Unknown

Closed End

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1142198.73

112.0

1142198.73

112.0

79.77

N/A

Borrower As Individual

N/A

XXXX

10088893

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$997.87

$2,619.72

$218.31

$426.96

$35.58

$6,780.00

$565.00

$0.00

$1,816.76

Yes

XXXX

$565.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.101

1.1

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

788

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

42277.51

23.3

42277.51

23.3

70.0

Yes

Member on Behalf of Entity

N/A

XXXX

10088895

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

26682.05

12/08/2025

6.220%

Manual Underwriting

7.668%

7.625%

$8,599.69

$4,405.80

$367.15

$2,106.36

$175.53

$0.00

$9,142.37

$18,911.89

N/A

XXXX

$0.00

XXXX

41.21%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

796

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

128449.15

15.6

128449.15

15.6

90.0

N/A

Borrower As Individual

N/A

XXXX

10088896

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$3,294.91

$13,273.20

$1,106.10

$3,406.56

$283.88

$5,040.00

$420.00

$0.00

$5,104.89

$44,316.67

Yes

XXXX

$420.00

XXXX

Monthly

26.26%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

672

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

22966.31

4.5

22966.31

4.5

70.0

Yes

Member on Behalf of Entity

N/A

XXXX

10088897

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/11/2025

6.220%

Manual Underwriting

6.678%

6.625%

$7,683.73

$30,676.80

$2,556.40

$2,678.04

$223.17

$0.00

$10,463.30

$21,363.50

N/A

XXXX

$0.00

XXXX

41.19%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

33.33%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

791

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

344825.68

33.0

344825.68

33.0

80.0

N/A

Borrower As Individual

N/A

XXXX

10088898

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11665.0

12/11/2025

6.220%

Manual Underwriting

7.070%

6.750%

$2,542.50

$5,929.68

$494.14

$2,042.04

$170.17

$0.00

$3,206.81

$7,169.55

N/A

XXXX

$0.00

XXXX

38.04%

40.17%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

736

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

6389.08

2.0

11020.30

3.4

70.0

N/A

Borrower As Individual

N/A

XXXX

10088899

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12356.48

12/16/2025

6.270%

Manual Underwriting

7.725%

7.500%

$4,223.26

$2,752.32

$229.36

$1,563.96

$130.33

$0.00

$4,582.95

$6,635.11

N/A

XXXX

$0.00

XXXX

41.34%

Employed

2YR Full Doc

2+ Months

N/A

0.00%

N/A

Yes

Work Number

N/A

Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

686

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

185107.53

40.4

73.93

N/A

Borrower As Individual

N/A

XXXX

10088900

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10733.75

12/15/2025

6.270%

Manual Underwriting

7.280%

6.875%

$2,118.60

$2,002.80

$166.90

$1,544.40

$128.70

$426.96

$35.58

$0.00

$2,449.78

$4,223.62

N/A

XXXX

$35.58

XXXX

Annually

37.19%

37.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

739

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

80272.62

32.8

80272.62

32.8

75.0

N/A

Borrower As Individual

N/A

XXXX

10088901

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,876.31

$1,152.00

$96.00

$3,543.00

$295.25

$0.00

$2,267.56

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.147

1.14

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

665

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

27273.21

12.0

27273.21

12.0

63.3

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088902

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$2,569.17

$6,010.32

$500.86

$1,105.56

$92.13

$3,000.00

$250.00

$0.00

$3,412.16

$51,323.61

N/A

XXXX

$250.00

XXXX

Monthly

25.63%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

765

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1336411.84

391.7

1336411.84

391.7

75.0

N/A

Borrower As Individual

N/A

XXXX

10088903

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

24665.0

12/18/2025

6.270%

Manual Underwriting

6.858%

6.750%

$4,929.35

$10,482.00

$873.50

$3,470.40

$289.20

$0.00

$6,092.05

$121,394.28

N/A

XXXX

$0.00

XXXX

13.34%

13.26%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

769

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

67566.42

11.1

67566.42

11.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10088904

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11781.02

12/15/2025

6.270%

Manual Underwriting

8.064%

7.750%

$3,551.98

$3,207.96

$267.33

$657.00

$54.75

$1,140.00

$95.00

$0.00

$3,969.06

$8,908.45

N/A

XXXX

$95.00

XXXX

Monthly

41.54%

41.27%

Not Employed

1YR Full Doc

N/A

36.0

N/A

0.00%

N/A

Borrower - Retirement, Other REO Net Rental Income(Loss) - Executed 4506T Verified - ["2025"] - 2025

Borrower - Executed 4506T Verified - ["2025"] - 2025

XXXX

743

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

Yes

N/A

36628.81

9.2

36628.81

9.2

90.0

N/A

Borrower As Individual

N/A

XXXX

10088905

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$2,177.51

$2,661.72

$221.81

$1,479.12

$123.26

$0.00

$2,522.58

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.23

1.18

N/A

XXXX

731

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Other

USA Patriot Act Disclosure - Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Other

USA Patriot Act Disclosure - Driver's License

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

11018.77

4.4

11018.77

4.4

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088906

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/23/2025

6.250%

Manual Underwriting

6.687%

6.625%

$4,302.89

$9,734.88

$811.24

$2,685.96

$223.83

$0.00

$5,337.96

$11,545.78

N/A

XXXX

$0.00

XXXX

39.57%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

776

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

61071.00

11.4

61071.00

11.4

80.0

N/A

Borrower As Individual

N/A

XXXX

10088907

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

3115.0

12/16/2025

6.270%

Manual Underwriting

6.572%

6.500%

$6,548.22

$14,370.72

$1,197.56

$4,890.00

$407.50

$0.00

$8,153.28

$22,567.61

N/A

XXXX

$0.00

XXXX

34.10%

Self-Employed

Not Employed

24 Month Bank Statement

N/A

Yes

N/A

100.00%

0.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 || Co Borrower - N/A

Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 || Co Borrower

XXXX

730

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

205858.23

25.3

205858.23

25.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10088908

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

2898.47

12/09/2025

6.220%

Manual Underwriting

6.827%

6.750%

$3,019.87

$7,974.96

$664.58

$1,257.96

$104.83

$2,832.00

$236.00

$0.00

$4,025.28

$30,011.55

N/A

XXXX

$236.00

XXXX

Monthly

22.51%

Retired

1YR Full Doc

N/A

Yes

100.00%

0.00%

Stocks/Bonds

N/A

Borrower - Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

791

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

327606.45

81.4

327606.45

81.4

79.97

N/A

Borrower As Individual

N/A

XXXX

10088909

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$1,794.79

$5,190.00

$432.50

$866.04

$72.17

$0.00

$2,299.46

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

755

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

31504.02

13.7

31504.02

13.7

74.75

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088910

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$2,084.21

$7,312.92

$609.41

$2,604.96

$217.08

$0.00

$2,910.70

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.014

1.01

N/A

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

XXXX

778

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

239140.38

82.2

239140.38

82.2

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088911

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12575.0

12/12/2025

6.220%

Manual Underwriting

6.694%

6.375%

$2,969.62

$3,045.60

$253.80

$1,721.04

$143.42

$0.00

$3,366.84

$4,335.20

N/A

XXXX

$0.00

XXXX

48.31%

44.23%

Self-Employed

2YR Full Doc

2 YRS W2

N/A

Yes

0.00%

100.00%

Third-Party Prepared (Unaudited)

Accountant/Bookkeeper

N/A

Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023

XXXX

784

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

14038.80

4.2

14038.80

4.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10088912

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Interest Only

26605.0

12/11/2025

6.220%

Manual Underwriting

6.653%

6.500%

$14,911.46

$31,551.72

$2,629.31

$5,320.20

$443.35

$0.00

$17,984.12

$33,194.47

N/A

XXXX

$0.00

XXXX

42.35%

Self-Employed

2YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

100.00%

N/A

Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

810

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

287270.66

20.7

287270.66

20.7

76.92

N/A

Borrower As Individual

N/A

XXXX

10088913

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/23/2025

6.250%

Manual Underwriting

8.330%

8.125%

$9,220.79

$15,299.40

$1,274.95

$1,855.56

$154.63

$0.00

$10,650.37

$28,831.55

N/A

XXXX

$0.00

XXXX

38.68%

38.83%

Employed

Self-Employed

12 Month Bank Statement

1 YR W2

1 Month

N/A

Yes

65.22%

0.00%

100.00%

N/A

Yes

Other

N/A

Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

Yes

N/A

88074.89

8.3

88074.89

8.3

89.99

N/A

Borrower As Individual

N/A

XXXX

10088914

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$1,712.30

$6,751.92

$562.66

$1,266.96

$105.58

$0.00

$2,380.54

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.218

1.21

N/A

XXXX

754

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

13584.08

5.7

13584.08

5.7

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088915

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$1,482.81

$4,943.16

$411.93

$980.04

$81.67

$0.00

$1,976.41

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.012

1.01

N/A

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

XXXX

713

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

22139.56

11.2

22139.56

11.2

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088916

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$985.39

$4,927.92

$410.66

$773.04

$64.42

$9,312.00

$776.00

$0.00

$2,236.47

N/A

XXXX

$776.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.14

N/A

XXXX

801

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

656618.31

293.6

140961.46

63.0

59.06

Yes

Borrower As Individual

N/A

XXXX

10088917

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15205.16

12/22/2025

6.250%

Manual Underwriting

7.749%

7.500%

$2,405.30

$6,577.44

$548.12

$2,228.04

$185.67

$0.00

$3,139.09

$3,833.94

N/A

XXXX

$0.00

XXXX

43.87%

47.66%

Self-Employed

12 Month Bank Statement

N/A

Yes

68.51%

100.00%

N/A

Borrower - SESoleProprietor, Primary Residence Rent Income, Child Support - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

697

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16456.64

5.2

16456.64

5.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10088918

XXXX

ATR/QM: Exempt

Yes

N/A

Client Affirms Non-QM Status

Manual Underwriting

7.125%

$4,204.00

$10,395.12

$866.26

$2,806.56

$233.88

$0.00

$5,304.14

$418,916.16

N/A

XXXX

$0.00

XXXX

4.99%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

800

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

73446.12

13.9

73446.12

13.9

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088919

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9365.0

12/12/2025

6.220%

Manual Underwriting

6.836%

6.625%

$3,841.87

$9,039.96

$753.33

$1,626.36

$135.53

$0.00

$4,730.73

$7,427.27

N/A

XXXX

$0.00

XXXX

44.03%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - Seasonal Employment - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

787

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

9450.43

2.0

128060.99

27.1

72.29

N/A

Borrower As Individual

N/A

XXXX

10088920

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,484.66

$8,331.00

$694.25

$6,044.76

$503.73

$0.00

$2,682.64

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.417

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

693

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

20151.48

7.5

20151.48

7.5

31.17

N/A

Yes

Borrower As Individual

N/A

XXXX

10088921

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$2,554.75

$9,556.68

$796.39

$917.04

$76.42

$0.00

$3,427.56

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.313

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

731

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

.00

0.0

359255.31

104.8

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088923

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

22865.0

12/23/2025

6.250%

Manual Underwriting

6.704%

6.500%

$8,848.95

$30,553.92

$2,546.16

$9,903.00

$825.25

$10,680.00

$890.00

$0.00

$13,110.36

$96,332.00

N/A

XXXX

$890.00

XXXX

Monthly

17.47%

17.42%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

51.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

730

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

1356434.36

103.5

60.87

N/A

Borrower As Individual

N/A

The Radmila Henry Trust

XXXX

10088926

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$5,343.75

$13,960.32

$1,163.36

$2,927.04

$243.92

$0.00

$6,751.03

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.155

1.09

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

719

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

49872.84

7.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088927

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$2,307.71

$2,586.96

$215.58

$1,728.24

$144.02

$387.96

$32.33

$0.00

$2,699.64

N/A

XXXX

$32.33

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

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

778

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1361456.21

504.3

1361456.21

504.3

78.87

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088928

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$1,816.07

$2,321.28

$193.44

$1,368.96

$114.08

$1,656.00

$138.00

$0.00

$2,261.59

N/A

XXXX

$138.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.167

1.19

N/A

XXXX

703

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Other

Patriot Act Disclosure Borrower Identification

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

266556.10

117.9

67.47

N/A

Yes

Borrower As Individual

N/A

XXXX

10088929

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/03/2025

6.190%

Manual Underwriting

6.936%

6.750%

$16,214.95

$34,717.68

$2,893.14

$1,983.96

$165.33

$0.00

$19,273.42

$31,896.83

N/A

XXXX

$0.00

XXXX

46.60%

Self-Employed

12 Month Bank Statement

1 YR W2

1 Month

N/A

Yes

88.12%

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SESoleProprietor, Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

793

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

515191.11

26.7

515191.11

26.7

78.13

N/A

Borrower As Individual

N/A

XXXX

10088930

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

47765.0

12/10/2025

6.220%

Manual Underwriting

7.401%

7.125%

$13,743.86

$31,448.40

$2,620.70

$7,392.00

$616.00

$5,160.00

$430.00

$0.00

$17,410.56

$27,219.46

N/A

XXXX

$430.00

XXXX

Monthly

48.66%

4 - Verified 2+ Mos

3 - Stated, Partially Verified

1 - Not Stated, Not Verified

Not Employed

Employed

Not Employed

.00

2YR Full Doc

2 YRS W2

Less than 1 Month

N/A

Yes

0.00%

Stocks/Bonds

N/A

Yes

Work Number

N/A

Borrower - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified || Co Borrower - Wage, Bonus - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower 2 - Retirement, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower 2 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

812

809

837

812

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

682219.07

39.2

682219.07

39.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10088932

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

13416.0

12/15/2025

6.270%

Manual Underwriting

7.819%

7.500%

$3,579.98

$3,438.96

$286.58

$4,154.76

$346.23

$0.00

$4,212.79

$4,839.21

N/A

XXXX

$0.00

XXXX

49.93%

Self-Employed

12 Month Bank Statement

N/A

Yes

84.17%

100.00%

N/A

Borrower - SESoleProprietor, SSI and Disability - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

704

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

25204.09

6.0

80.0

N/A

Borrower As Individual

N/A

XXXX

10088933

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

24265.0

12/19/2025

6.270%

Manual Underwriting

6.659%

6.500%

$14,158.32

$10,008.60

$834.05

$12,670.80

$1,055.90

$1,440.00

$120.00

$0.00

$16,168.27

$37,357.71

N/A

XXXX

$120.00

XXXX

Annually

33.20%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

786

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

700000.00

43.3

700000.00

43.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10088934

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

18785.0

12/22/2025

6.250%

Manual Underwriting

6.575%

6.375%

$7,037.25

$16,091.76

$1,340.98

$7,569.96

$630.83

$0.00

$9,009.06

$52,770.37

N/A

XXXX

$0.00

XXXX

17.86%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

782

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

377917.38

41.9

1574169.99

174.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10088935

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$2,820.60

$6,788.52

$565.71

$1,026.96

$85.58

$0.00

$3,471.89

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.037

1.02

N/A

XXXX

775

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

103824.92

29.9

103824.92

29.9

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088936

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

12/18/2025

6.270%

Manual Underwriting

7.205%

6.875%

$1,997.06

$9,251.04

$770.92

$1,493.28

$124.44

$575.04

$47.92

$0.00

$2,940.34

$11,601.86

N/A

XXXX

$47.92

XXXX

Annually

20.44%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

100.00%

0.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion - 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

791

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1274381.78

433.4

1274381.78

433.4

80.0

N/A

Borrower As Individual

N/A

XXXX

10088937

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$1,764.19

$5,211.60

$434.30

$1,394.52

$116.21

$0.00

$2,314.70

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.015

1.01

N/A

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

XXXX

779

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

58075.99

25.1

58075.99

25.1

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088938

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14927.5

12/19/2025

6.270%

Manual Underwriting

6.660%

6.625%

$6,082.95

$13,305.00

$1,108.75

$1,924.56

$160.38

$0.00

$7,352.08

$26,470.57

N/A

XXXX

$0.00

XXXX

42.43%

42.08%

Not Employed

Employed

2YR Full Doc

2 YRS 1099

2 YRS W2

1 Month

N/A

Yes

N/A

Yes

0.00%

N/A

Borrower - Other, SSI and Disability, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified || Co Borrower - Wage, SSI and Disability, Retirement - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

765

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

534755.64

82.1

42.22

N/A

Borrower As Individual

N/A

The Graziano 2003 Family Trust

XXXX

10088939

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9484.71

12/19/2025

6.270%

Manual Underwriting

6.920%

6.625%

$1,626.33

$10,424.76

$868.73

$1,812.96

$151.08

$0.00

$2,646.14

$4,517.16

N/A

XXXX

$0.00

XXXX

37.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

696

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

96969.81

36.7

96969.81

36.7

45.85

N/A

Borrower As Individual

N/A

XXXX

10088941

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

26565.0

12/23/2025

6.250%

Manual Underwriting

6.898%

6.750%

$16,020.37

$43,127.40

$3,593.95

$8,135.04

$677.92

$0.00

$20,292.24

$47,628.27

N/A

XXXX

$0.00

XXXX

37.29%

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) - null Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - null Executed 4506T Verified - ["2025","2024"] - 2025, 2024

XXXX

719

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

360675.28

17.8

65.0

N/A

Borrower As Individual

N/A

XXXX

10088943

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7474.0

12/29/2025

6.250%

Manual Underwriting

7.832%

7.375%

$1,381.35

$3,465.60

$288.80

$1,365.96

$113.83

$0.00

$1,783.98

$10,708.00

N/A

XXXX

$0.00

XXXX

15.63%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

685

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

179443.13

100.6

80.0

N/A

Borrower As Individual

N/A

XXXX

10088944

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.125%

$2,734.25

$6,979.32

$581.61

$5,107.20

$425.60

$0.00

$3,741.46

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.069

1.0

N/A

XXXX

770

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

206523.97

55.2

58.06

N/A

Yes

Borrower As Individual

N/A

XXXX

10088945

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9425.0

12/16/2025

5.770%

Manual Underwriting

6.997%

6.625%

$2,212.54

$3,434.76

$286.23

$3,638.04

$303.17

$0.00

$2,801.94

$3,352.06

N/A

XXXX

$0.00

XXXX

49.59%

Self-Employed

Asset Depletion – Debt Ratio Calculation

2 YRS 1099

N/A

Yes

60.0

Yes

75.19%

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor, Asset Depletion - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

766

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

377430.87

134.7

377430.87

134.7

57.27

N/A

Borrower As Individual

N/A

XXXX

10088946

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/09/2025

6.220%

Manual Underwriting

6.880%

6.750%

$1,965.25

$7,055.52

$587.96

$3,668.88

$305.74

$0.00

$2,858.95

$4,536.05

N/A

XXXX

$0.00

XXXX

43.30%

Retired

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified

XXXX

716

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

701760.11

245.5

701760.11

245.5

60.0

N/A

Borrower As Individual

N/A

XXXX

10088947

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

35465.0

12/24/2025

6.250%

Manual Underwriting

6.896%

6.625%

$10,757.22

$6,419.04

$534.92

$3,462.96

$288.58

$1,200.00

$100.00

$0.00

$11,680.72

$23,851.68

N/A

XXXX

$100.00

XXXX

Annually

48.45%

48.72%

Employed

2YR Full Doc

2 YRS W2

2+ Months

N/A

Yes

0.00%

N/A

Borrower - Wage, Bonus, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

761

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

429456.19

36.8

429456.19

36.8

80.0

N/A

Borrower As Individual

N/A

XXXX

10088948

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$2,918.69

$2,322.60

$193.55

$2,033.04

$169.42

$0.00

$3,281.66

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.067

1.06

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

790

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

52898.56

16.1

141051.40

43.0

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10088949

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7865.0

12/18/2025

6.270%

Manual Underwriting

6.817%

6.625%

$4,277.28

$3,728.40

$310.70

$4,603.44

$383.62

$0.00

$4,971.60

$9,353.29

N/A

XXXX

$0.00

XXXX

41.61%

Self-Employed

12 Month Bank Statement

N/A

Yes

88.26%

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

782

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

756775.77

152.2

756775.77

152.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10088950

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

25465.0

12/19/2025

6.270%

Manual Underwriting

7.177%

6.875%

$6,201.41

$17,560.20

$1,463.35

$5,761.20

$480.10

$7,920.00

$660.00

$0.00

$8,804.86

$16,321.03

N/A

XXXX

$660.00

XXXX

Monthly

47.33%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - null Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - null Executed 4506T Verified - ["2025","2024"] - 2025, 2024

XXXX

694

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

129350.49

14.7

129350.49

14.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10088951

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

27215.0

12/11/2025

6.220%

Manual Underwriting

6.651%

6.625%

$15,815.68

$44,548.44

$3,712.37

$4,680.24

$390.02

$0.00

$19,918.07

$25,807.87

N/A

XXXX

$0.00

XXXX

46.87%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

N/A

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - Asset Depletion - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

XXXX

795

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

5048809.00

253.5

5048809.00

253.5

65.0

N/A

Borrower As Individual

N/A

XXXX

10088952

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/22/2025

6.250%

Manual Underwriting

8.750%

8.250%

$872.22

$2,402.04

$200.17

$1,224.96

$102.08

$0.00

$1,715.63

$2,890.10

$11,032.69

N/A

XXXX

$0.00

XXXX

25.96%

Yes

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

20.33%

100.00%

0.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

806

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

19110.07

6.6

19110.07

6.6

90.0

N/A

Borrower As Individual

N/A

XXXX

10088953

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,609.48

$2,776.44

$231.37

$498.96

$41.58

$0.00

$1,882.43

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.036

1.03

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

819

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

68493.16

36.4

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10088954

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7165.0

12/05/2025

6.190%

Manual Underwriting

6.835%

6.750%

$6,875.14

$11,508.60

$959.05

$2,100.96

$175.08

$0.00

$8,009.27

$19,670.73

N/A

XXXX

$0.00

XXXX

31.42%

Retired

1YR Full Doc

N/A

0.00%

N/A

Borrower - Retirement - 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

746

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

412378.09

51.5

412378.09

51.5

80.0

N/A

Borrower As Individual

N/A

XXXX

10088955

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

19202.6

12/19/2025

6.270%

Manual Underwriting

7.222%

6.750%

$3,113.27

$4,039.08

$336.59

$1,401.96

$116.83

$0.00

$3,566.69

$58,723.32

N/A

XXXX

$0.00

XXXX

6.07%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

671

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

67021.97

18.8

67021.97

18.8

80.0

N/A

Borrower As Individual

N/A

XXXX

10088956

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11765.0

12/18/2025

6.270%

Manual Underwriting

6.854%

6.625%

$4,226.05

$9,042.00

$753.50

$3,686.76

$307.23

$506.04

$42.17

$0.00

$5,328.95

$74,495.29

N/A

XXXX

$42.17

XXXX

Annually

6.75%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

796

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

107516.69

20.2

107516.69

20.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10088957

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

16850.0

12/19/2025

6.270%

Manual Underwriting

6.603%

6.375%

$6,232.46

$12,937.44

$1,078.12

$1,107.00

$92.25

$600.00

$50.00

$0.00

$7,452.83

$15,570.94

N/A

XXXX

$50.00

XXXX

Monthly

36.74%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

802

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

130312.25

17.5

130312.25

17.5

79.92

Yes

Borrower As Individual

N/A

XXXX

10110197

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$3,119.35

$8,268.36

$689.03

$2,948.76

$245.73

$0.00

$4,054.11

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.48

1.47

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

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

111868.74

27.6

582085.44

143.6

47.08

N/A

Yes

Borrower As Individual

N/A

XXXX

10110198

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.500%

$2,447.25

$7,931.64

$660.97

$2,960.04

$246.67

$0.00

$3,354.89

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.431

1.43

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

663

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

.00

0.0

327632.18

97.7

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110199

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11795.0

01/12/2026

6.170%

Manual Underwriting

6.603%

6.500%

$6,497.66

$13,017.00

$1,084.75

$1,477.44

$123.12

$0.00

$7,705.53

$8,725.72

N/A

XXXX

$0.00

XXXX

48.52%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

100.00%

Stocks/Bonds

N/A

Borrower - Asset Depletion, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified, Personal Bank Statements Verified - ["2025","2026"] - 2025, 2026

Borrower - ["2025","2026"] - 2025, 2026

XXXX

771

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

660200.72

97.4

660200.72

97.4

68.58

N/A

Borrower As Individual

N/A

XXXX

10110200

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

0.000%

$3,137.52

$8,177.28

$681.44

$858.96

$71.58

$0.00

$3,890.54

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.185

1.18

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

806

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

469470.16

120.7

63.64

N/A

Yes

Borrower As Individual

N/A

XXXX

10110201

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,650.53

$6,362.16

$530.18

$1,902.12

$158.51

$0.00

$2,339.22

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.069

1.06

N/A

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

XXXX

731

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

122829.51

52.5

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110203

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$2,589.84

$1,980.24

$165.02

$1,887.96

$157.33

$0.00

$2,912.19

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.271

1.27

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

819

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

300926.02

103.3

300926.02

103.3

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110204

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,445.60

$7,621.20

$635.10

$1,111.44

$92.62

$320.04

$26.67

$0.00

$2,199.99

N/A

XXXX

$26.67

XXXX

Annually

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

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

70647.77

32.1

70647.77

32.1

67.07

N/A

Yes

Borrower As Individual

N/A

XXXX

10110205

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.625%

$1,125.39

$1,608.48

$134.04

$1,353.96

$112.83

$0.00

$1,372.26

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.038

1.25

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

691

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

148997.53

108.6

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110206

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$3,201.55

$1,518.36

$126.53

$2,996.04

$249.67

$0.00

$3,577.75

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.272

1.27

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

723

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

195258.26

54.6

35.71

N/A

Yes

Borrower As Individual

N/A

XXXX

10110207

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.625%

$960.47

$1,570.80

$130.90

$2,548.32

$212.36

$0.00

$1,303.73

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.285

1.28

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

736

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

39332.88

30.2

39332.88

30.2

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110208

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$1,305.22

$7,910.76

$659.23

$1,439.64

$119.97

$0.00

$2,084.42

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.007

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

780

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

28472.86

13.7

28472.86

13.7

69.53

N/A

Yes

Borrower As Individual

N/A

XXXX

10110209

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8165.0

12/17/2025

6.270%

Manual Underwriting

6.767%

6.625%

$4,160.69

$10,009.20

$834.10

$1,715.04

$142.92

$252.00

$21.00

$0.00

$5,158.71

$7,460.50

N/A

XXXX

$21.00

XXXX

Monthly

44.90%

44.39%

Self-Employed

12 Month Bank Statement

1 YR W2

1 Month

N/A

Yes

Missing

22.73%

0.00%

100.00%

Proceeds from Sale

N/A

Yes

Work Number

N/A

Borrower - Wage, Commission - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 || Co Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 || Co Borrower - ["2025","2024"] - 2025, 2024

XXXX

752

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

113497.95

22.0

113497.95

22.0

57.14

N/A

Borrower As Individual

N/A

XXXX

10110211

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

22541.56

12/23/2025

6.250%

Manual Underwriting

6.873%

6.625%

$3,124.72

$3,358.08

$279.84

$3,543.96

$295.33

$0.00

$3,699.89

$5,185.25

N/A

XXXX

$0.00

XXXX

41.99%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

754

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

84348.06

22.8

84348.06

22.8

80.0

N/A

Borrower As Individual

N/A

XXXX

10110212

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9031.25

12/26/2025

6.250%

Manual Underwriting

7.217%

7.000%

$3,178.48

$3,756.00

$313.00

$683.04

$56.92

$6,492.00

$541.00

$0.00

$4,089.40

Yes

XXXX

$541.00

XXXX

Monthly

0.00%

Yes

Not Employed

Asset Utilization (No DTI)

N/A

60.0

Yes

0.00%

N/A

Borrower - N/A

Borrower

XXXX

808

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1577387.00

385.7

1577387.00

385.7

75.0

Yes

Borrower As Individual

N/A

XXXX

10110213

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$6,259.53

$5,755.92

$479.66

$2,213.04

$184.42

$0.00

$6,923.61

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.589

1.55

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

680

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

186640.14

27.0

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10110214

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,293.54

$3,322.68

$276.89

$1,218.96

$101.58

$0.00

$1,672.01

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.166

1.16

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

680

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

.00

0.0

174764.66

104.5

60.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110215

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.750%

$2,724.11

$6,199.92

$516.66

$2,853.00

$237.75

$0.00

$3,478.52

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.466

1.46

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

761

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

8683.23

2.5

18037.27

5.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10110216

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

22490.0

12/12/2025

6.220%

Manual Underwriting

6.559%

6.500%

$5,214.56

$10,988.28

$915.69

$3,974.04

$331.17

$0.00

$6,461.42

$14,306.30

N/A

XXXX

$0.00

XXXX

44.81%

44.84%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

719

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

76171.73

11.8

55.93

N/A

Borrower As Individual

N/A

XXXX

10110217

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$2,072.03

$981.60

$81.80

$843.96

$70.33

$0.00

$2,224.16

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.304

1.3

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

674

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

15562.82

7.0

15562.82

7.0

73.53

N/A

Yes

Borrower As Individual

N/A

XXXX

10110218

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

18365.0

01/15/2026

6.170%

Manual Underwriting

7.427%

7.250%

$9,004.73

$16,479.48

$1,373.29

$11,219.88

$934.99

$999.96

$83.33

$0.00

$11,396.34

$1,391,787.29

N/A

XXXX

$83.33

XXXX

Annually

1.41%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

47.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

684

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

329233.25

28.9

145965.67

12.8

80.0

N/A

Borrower As Individual

N/A

XXXX

10110219

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

22440.0

01/05/2026

6.190%

Manual Underwriting

6.771%

6.750%

$11,694.22

Yes

5.000%

$27,254.52

$2,271.21

$7,078.32

$589.86

$0.00

$14,555.29

$519,690.17

N/A

XXXX

$0.00

XXXX

4.11%

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 - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

731

XXXX

Unknown

US Citizen

N/A

Other

USA Patriot Act Information Form

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

676532.89

48.1

676532.89

48.1

73.59

N/A

Borrower As Individual

N/A

XXXX

10110220

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$1,746.42

$5,228.04

$435.67

$1,674.48

$139.54

$0.00

$2,321.63

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.271

1.27

N/A

XXXX

735

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16618.40

7.2

16618.40

7.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10110221

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$5,373.44

$12,102.96

$1,008.58

$3,294.60

$274.55

$0.00

$6,656.57

$11,448.51

N/A

XXXX

$0.00

XXXX

48.09%

Yes

Self-Employed

Employed

1099 Verified

2 YRS 1099

2 YRS W2

1 Month

N/A

Yes

0.00%

100.00%

0.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025

XXXX

691

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Passport

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

137862.01

20.7

137862.01

20.7

68.82

N/A

Yes

Borrower As Individual

N/A

XXXX

10110222

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.250%

$1,077.51

$7,590.00

$632.50

$1,064.04

$88.67

$0.00

$1,798.68

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.627

1.77

N/A

XXXX

781

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

238197.48

132.4

16258.00

9.0

48.61

N/A

Yes

Borrower As Individual

N/A

XXXX

10110223

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$3,147.70

$4,995.48

$416.29

$2,162.04

$180.17

$0.00

$3,744.16

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.042

1.04

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

757

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

34558.57

9.2

34558.57

9.2

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110224

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/06/2026

6.190%

Manual Underwriting

7.300%

6.750%

$1,420.43

$3,215.04

$267.92

$1,594.44

$132.87

$0.00

$1,821.22

$3,554.78

N/A

XXXX

$0.00

XXXX

0.00%

40.61%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Audited

Tax Preparer

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

146168.86

80.3

35559.86

19.5

79.64

N/A

Borrower As Individual

N/A

XXXX

10110225

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

18499.95

12/31/2025

6.250%

Manual Underwriting

6.647%

6.625%

$6,704.06

$9,147.60

$762.30

$1,417.80

$118.15

$0.00

$7,584.51

$12,322.86

N/A

XXXX

$0.00

XXXX

46.09%

45.92%

Self-Employed

Employed

1099 Verified

2 YRS 1099

2 YRS W2

1 Month

N/A

Yes

35.04%

100.00%

0.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025

XXXX

787

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Passport

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

140677.20

21.1

188788.87

28.3

60.0

N/A

Borrower As Individual

N/A

XXXX

10110226

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.625%

$1,220.00

$1,765.92

$147.16

$1,884.96

$157.08

$0.00

$1,524.24

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.014

1.01

N/A

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

XXXX

724

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

35875.23

23.5

35875.23

23.5

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110227

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$3,484.77

$6,667.80

$555.65

$2,037.00

$169.75

$0.00

$4,210.17

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.128

1.13

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

700

XXXX

Unknown

US Citizen

N/A

Passport

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

58305.14

13.9

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110228

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,379.55

$3,712.44

$309.37

$1,189.08

$99.09

$0.00

$1,788.01

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.37

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

683

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

56173.82

31.4

43.3

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10110229

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$4,519.29

$17,498.16

$1,458.18

$2,976.96

$248.08

$0.00

$6,225.55

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.635

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

760

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

699173.29

112.3

65.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110230

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9627.5

12/30/2025

6.250%

Manual Underwriting

6.438%

6.250%

$4,779.50

$12,478.92

$1,039.91

$1,356.96

$113.08

$0.00

$5,932.49

$21,797.89

N/A

XXXX

$0.00

XXXX

33.55%

34.26%

4 - Verified 2+ Mos

3 - Stated, Partially Verified

3 - Stated, 3rd Party Verification

Not Employed

Self-Employed

12.47

12 Month Bank Statement

N/A

100.00%

N/A

Borrower || Co Borrower || Co Borrower 2 - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025

Borrower || Co Borrower || Co Borrower 2 - ["2025"] - 2025

XXXX

804

819

804

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

68880.68

11.6

68880.68

11.6

75.0

N/A

Borrower As Individual

N/A

XXXX

10110231

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7567.56

12/30/2025

6.250%

Manual Underwriting

6.928%

6.625%

$1,825.71

$6,179.04

$514.92

$711.00

$59.25

$840.00

$70.00

$0.00

$2,469.88

$4,703.04

N/A

XXXX

$70.00

XXXX

Annually

47.20%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Yes

165

FNMA 1005

Yes

126

FNMA 1005

Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 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"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

784

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

29645.86

12.0

29645.86

12.0

80.0

N/A

Borrower As Individual

N/A

XXXX

10110233

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

41170.0

12/30/2025

6.250%

Manual Underwriting

6.823%

6.750%

$10,197.26

$4,234.44

$352.87

$3,594.00

$299.50

$1,584.00

$132.00

$0.00

$10,981.63

$22,044.65

N/A

XXXX

$132.00

XXXX

Monthly

38.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

706

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

70709.10

6.4

144412.13

13.2

70.0

N/A

Borrower As Individual

N/A

XXXX

10110234

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,392.69

$2,055.00

$171.25

$810.96

$67.58

$200.04

$16.67

$0.00

$1,648.19

$7,983.72

N/A

XXXX

$16.67

XXXX

Annually

27.34%

27.67%

Yes

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

744

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

28550.92

17.3

28550.92

17.3

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10110235

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9545.0

01/12/2026

6.170%

Manual Underwriting

7.016%

6.625%

$2,458.79

$6,431.64

$535.97

$1,604.04

$133.67

$0.00

$3,128.43

$105,191.38

N/A

XXXX

$0.00

XXXX

3.41%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

784

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

159099.05

50.9

159099.05

50.9

80.0

N/A

Borrower As Individual

N/A

XXXX

10110236

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$6,015.63

$20,888.28

$1,740.69

$3,024.96

$252.08

$3,600.00

$300.00

$0.00

$8,308.40

N/A

XXXX

$300.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.023

1.02

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

692

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

359537.03

43.3

359537.03

43.3

57.53

N/A

Yes

Borrower As Individual

N/A

XXXX

10110237

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.500%

$2,275.44

$5,664.84

$472.07

$3,750.00

$312.50

$0.00

$3,060.01

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.111

1.08

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

750

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

446416.44

145.9

446416.44

145.9

60.0

N/A

Yes

Borrower As Individual

N/A

Symbolic family Trust

XXXX

10110238

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$1,029.39

$2,197.80

$183.15

$3,383.04

$281.92

$0.00

$1,494.46

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.807

1.8

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

769

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

23604.21

15.8

23604.21

15.8

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10110239

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

1515.5

01/09/2026

6.190%

Manual Underwriting

7.146%

7.000%

$997.95

$6,906.24

$575.52

$1,709.04

$142.42

$0.00

$1,715.89

$6,190.55

N/A

XXXX

$0.00

XXXX

36.76%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

N/A

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

XXXX

783

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

137548.03

80.2

31.25

N/A

Borrower As Individual

N/A

XXXX

10110241

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10055.0

01/12/2026

6.170%

Manual Underwriting

7.466%

7.250%

$1,609.94

$4,087.20

$340.60

$1,532.04

$127.67

$0.00

$2,078.21

$3,742.79

N/A

XXXX

$0.00

XXXX

36.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

760

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

8190.17

3.9

8190.17

3.9

80.0

N/A

Borrower As Individual

N/A

XXXX

10110242

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11795.0

01/15/2026

6.170%

Manual Underwriting

6.751%

6.500%

$3,160.34

$16,712.16

$1,392.68

$1,202.04

$100.17

$0.00

$4,653.19

$41,777.65

N/A

XXXX

$0.00

XXXX

22.73%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

768

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

.00

0.0

338147.77

72.7

42.37

N/A

Borrower As Individual

N/A

XXXX

10110243

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9925.0

12/31/2025

6.250%

Manual Underwriting

6.476%

6.250%

$3,078.59

$10,436.16

$869.68

$3,796.56

$316.38

$99.96

$8.33

$0.00

$4,272.98

$9,914.02

N/A

XXXX

$8.33

XXXX

Annually

45.29%

45.01%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

70.85%

100.00%

N/A

Borrower - SESoleProprietor, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - null Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 || Co Borrower - null Executed 4506T Verified

Borrower - null Executed 4506T Verified - ["2025","2024"] - 2025, 2024 || Co Borrower - null Executed 4506T Verified

XXXX

771

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

26109.15

6.1

31404.37

7.4

34.97

N/A

Borrower As Individual

N/A

XXXX

10110244

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$4,689.11

$15,538.56

$1,294.88

$1,588.08

$132.34

$0.00

$6,116.33

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.858

0.85

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

722

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1335455.40

218.3

1335455.40

218.3

65.0

N/A

Yes

Borrower As Individual

N/A

NASSER R. MANSOUR TRUST

XXXX

10110245

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$2,370.71

$5,060.28

$421.69

$678.96

$56.58

$3,960.00

$330.00

$0.00

$3,178.98

Yes

XXXX

$330.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.164

1.15

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

711

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

102823.07

32.3

102823.07

32.3

57.58

Yes

Borrower As Individual

N/A

XXXX

10110246

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

5409.0

12/30/2025

6.250%

Manual Underwriting

6.883%

6.750%

$5,188.78

$5,444.52

$453.71

$3,901.56

$325.13

$0.00

$5,967.62

$22,663.11

N/A

XXXX

$0.00

XXXX

39.54%

39.70%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

53965.18

9.0

53965.18

9.0

80.0

N/A

Borrower As Individual

N/A

XXXX

10110247

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10984.84

01/15/2026

6.170%

Manual Underwriting

6.823%

6.750%

$2,957.56

$10,350.36

$862.53

$997.08

$83.09

$0.00

$3,903.18

$19,311.34

N/A

XXXX

$0.00

XXXX

14.09%

31.70%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

791

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

79406.55

20.3

79406.55

20.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10110248

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

5134.91

01/08/2026

6.190%

Manual Underwriting

8.226%

7.875%

$1,620.89

$5,223.24

$435.27

$1,573.32

$131.11

$0.00

$2,187.27

$2,727.99

N/A

XXXX

$0.00

XXXX

49.61%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SECorporation - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

719

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

53501.56

24.5

53501.56

24.5

85.0

N/A

Borrower As Individual

N/A

XXXX

10110249

XXXX

ATR/QM: Exempt

Yes

N/A

01/15/2026

6.170%

Manual Underwriting

7.997%

7.750%

$1,633.42

$2,789.76

$232.48

$1,092.24

$91.02

$564.96

$47.08

$0.00

$2,004.00

$6,188.38

N/A

XXXX

$47.08

XXXX

Annually

41.74%

Yes

Employed

1YR Full Doc

2 YRS W2

1 Month

Yes

N/A

Yes

0.00%

N/A

Yes

Work Number

Yes

Work Number

Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

739

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

38185.14

19.1

38185.14

19.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10139056

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

6815.0

01/21/2026

6.060%

Manual Underwriting

9.256%

8.750%

$1,416.06

$1,155.12

$96.26

$1,824.00

$152.00

$0.00

$1,664.32

$5,659.01

N/A

XXXX

$0.00

XXXX

22.99%

Self-Employed

2YR Full Doc

2 YRS 1099

N/A

Yes

0.00%

100.00%

N/A

Yes

FNMA 1005

Borrower - SESoleProprietor - 2 YRS 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

757

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

10971.29

6.6

10971.29

6.6

90.0

N/A

Borrower As Individual

N/A

XXXX

10139057

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

30113.13

01/20/2026

6.060%

Manual Underwriting

6.787%

6.625%

$5,042.45

$3,979.20

$331.60

$2,297.28

$191.44

$0.00

$5,565.49

$26,248.46

N/A

XXXX

$0.00

XXXX

23.36%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

745

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

313039.52

56.2

41821.06

7.5

75.0

N/A

Borrower As Individual

N/A

XXXX

10139062

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$2,388.80

$10,173.60

$847.80

$1,198.44

$99.87

$0.00

$3,336.47

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.328

1.07

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

671

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

59715.75

17.9

59715.75

17.9

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139067

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,457.01

$4,413.00

$367.75

$1,175.04

$97.92

$5,052.00

$421.00

$0.00

$2,343.68

Yes

XXXX

$421.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.02

1.0

N/A

XXXX

812

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

75102.77

32.0

75102.77

32.0

66.57

Yes

Borrower As Individual

N/A

XXXX

10139069

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$1,297.34

$1,524.00

$127.00

$429.96

$35.83

$0.00

$1,460.17

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.036

1.03

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

770

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

78177.73

53.5

79570.48

54.5

64.78

N/A

Yes

Borrower As Individual

N/A

XXXX

10139071

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$2,586.01

$4,353.00

$362.75

$2,847.96

$237.33

$0.00

$3,186.09

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.412

1.41

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

786

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

63739.35

20.0

42.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139075

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$3,160.34

$4,645.80

$387.15

$2,004.96

$167.08

$0.00

$3,714.57

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.104

1.13

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

758

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

488240.84

131.4

54.05

N/A

Yes

Borrower As Individual

N/A

CARMEN L. BOULTON TRUST

XXXX

10139076

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/21/2026

6.060%

Manual Underwriting

6.932%

6.875%

$13,121.93

$22,852.92

$1,904.41

$3,357.00

$279.75

$4,620.00

$385.00

$0.00

$15,691.09

$49,003.91

N/A

XXXX

$385.00

XXXX

Monthly

28.00%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

722

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

530080.52

42.9

530080.52

42.9

65.73

N/A

Borrower As Individual

N/A

XXXX

10139078

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

13481.0

12/18/2025

6.270%

Manual Underwriting

7.103%

6.875%

$5,248.86

$24,519.00

$2,043.25

$1,401.00

$116.75

$0.00

$7,408.86

$17,243.58

N/A

XXXX

$0.00

XXXX

42.94%

Self-Employed

Employed

12 Month Bank Statement

1 YR W2

1 Month

N/A

Yes

59.97%

100.00%

0.00%

Proceeds from Sale

N/A

Yes

Other

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - ["2025"] - 2025 || Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

704

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

80558.56

10.9

80558.56

10.9

72.7

N/A

Borrower As Individual

N/A

XXXX

10139079

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.375%

$1,859.38

$9,173.40

$764.45

$6,437.04

$536.42

$0.00

$3,160.25

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.258

1.25

N/A

XXXX

763

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

291353.13

92.2

291353.13

92.2

27.32

N/A

Yes

Borrower As Individual

N/A

XXXX

10139080

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$2,451.79

$5,868.36

$489.03

$1,188.24

$99.02

$0.00

$3,039.84

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.25

N/A

XXXX

778

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

340733.57

112.1

340733.57

112.1

74.83

N/A

Yes

Borrower As Individual

N/A

XXXX

10139082

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8339.0

01/16/2026

6.170%

Manual Underwriting

7.455%

7.125%

$1,347.44

$2,451.00

$204.25

$9,300.84

$775.07

$0.00

$2,326.76

$4,105.36

N/A

XXXX

$0.00

XXXX

47.46%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

671

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

139294.78

59.9

51.95

N/A

Borrower As Individual

N/A

XXXX

10139084

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

20107.84

01/21/2026

6.060%

Manual Underwriting

7.284%

7.125%

$3,415.75

$13,200.00

$1,100.00

$3,263.04

$271.92

$0.00

$4,787.67

$161,298.88

N/A

XXXX

$0.00

XXXX

9.19%

Retired

Self-Employed

12 Month Bank Statement

1 YR 1099

N/A

Yes

98.52%

0.00%

100.00%

N/A

Yes

N/A

Borrower - SSI and Disability - 1 YR 1099 Verified, Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

711

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

23236.13

4.9

23236.13

4.9

65.0

N/A

Borrower As Individual

N/A

XXXX

10139089

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$1,216.73

$5,128.80

$427.40

$887.40

$73.95

$6,780.00

$565.00

$0.00

$2,283.08

Yes

XXXX

$565.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.019

1.01

N/A

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

XXXX

747

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

38999.37

17.1

38999.37

17.1

70.0

Yes

Member on Behalf of Entity

N/A

XXXX

10139090

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14540.0

01/06/2026

6.190%

Manual Underwriting

6.720%

6.500%

$4,203.25

$12,554.28

$1,046.19

$2,472.00

$206.00

$4,320.00

$360.00

$0.00

$5,815.44

$6,205.91

N/A

XXXX

$360.00

XXXX

Monthly

49.75%

Self-Employed

12 Month Bank Statement

N/A

Yes

46.21%

100.00%

N/A

Borrower - SECorporation, Other - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

796

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

53286.59

9.2

53286.59

9.2

31.67

N/A

Borrower As Individual

N/A

ELIZABETH JOHNSTON AKA ELIZABETH TURNER

XXXX

10139091

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$2,451.79

$5,865.12

$488.76

$1,188.24

$99.02

$0.00

$3,039.57

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.25

N/A

XXXX

778

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

343459.60

113.0

343459.60

113.0

74.83

N/A

Yes

Borrower As Individual

N/A

XXXX

10139092

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10840.0

01/21/2026

6.060%

Manual Underwriting

6.997%

6.750%

$3,502.43

$5,473.68

$456.14

$2,876.88

$239.74

$0.00

$4,198.31

$14,784.43

N/A

XXXX

$0.00

XXXX

23.69%

47.97%

Employed

1YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025

XXXX

729

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

17729.42

4.2

17855.30

4.3

63.91

N/A

Borrower As Individual

N/A

XXXX

10139096

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,667.45

$4,514.04

$376.17

$1,968.36

$164.03

$0.00

$2,207.65

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.359

1.35

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

786

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

34677.45

15.7

34677.45

15.7

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139097

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$2,375.92

$6,694.08

$557.84

$2,228.04

$185.67

$0.00

$3,119.43

$27,505.89

N/A

XXXX

$0.00

XXXX

30.12%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

728

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

164566.60

52.8

164566.60

52.8

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139098

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$8,488.85

$16,167.12

$1,347.26

$3,141.96

$261.83

$120.00

$10.00

$0.00

$10,107.94

$43,594.68

N/A

XXXX

$10.00

XXXX

Annually

28.27%

Yes

Self-Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

100.00%

Audited

CPA

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

769

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

143649.80

14.2

143649.80

14.2

80.0

N/A

Yes

Borrower As Individual

N/A

JAMES AND GINI WILLIAMS FAMILY TRUST

XXXX

10139099

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11865.0

01/16/2026

6.170%

Manual Underwriting

6.953%

6.875%

$5,379.98

$9,980.76

$831.73

$4,386.84

$365.57

$0.00

$6,577.28

$56,233.17

N/A

XXXX

$0.00

XXXX

10.91%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

700

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

79494.51

12.1

79494.51

12.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10139101

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$5,539.03

$6,127.44

$510.62

$8,976.48

$748.04

$0.00

$6,797.69

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale,Proceeds from Sale,Proceeds from Sale

Yes

1.296

1.32

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

788

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

90978.40

13.4

90978.40

13.4

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139103

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,620.31

$13,951.32

$1,162.61

$4,599.96

$383.33

$0.00

$3,166.25

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.042

1.04

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

800

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

37458.57

11.8

37458.57

11.8

60.4

N/A

Yes

Borrower As Individual

N/A

XXXX

10139104

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,746.84

$1,398.72

$116.56

$972.00

$81.00

$0.00

$1,944.40

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.08

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

769

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

158985.56

81.8

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139105

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$2,494.88

$6,092.64

$507.72

$2,290.92

$190.91

$0.00

$3,193.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.284

1.0

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

747

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

17046.64

5.3

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139106

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,615.82

$999.12

$83.26

$986.04

$82.17

$0.00

$1,781.25

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.207

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

769

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

157498.99

88.4

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139113

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,927.76

$6,015.12

$501.26

$1,114.20

$92.85

$7,800.00

$650.00

$0.00

$3,171.87

Yes

XXXX

$650.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.009

1.0

N/A

XXXX

702

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

298189.33

94.0

60.0

Yes

Borrower As Individual

N/A

Jack and Bonnie Stevenson Revocable Living Trust

XXXX

10139114

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9057.5

01/08/2026

6.190%

Manual Underwriting

6.861%

6.625%

$3,070.29

$6,441.00

$536.75

$3,537.00

$294.75

$729.96

$60.83

$0.00

$3,962.62

$5,903.75

N/A

XXXX

$60.83

XXXX

Annually

41.97%

40.96%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

0.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - N/A

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

755

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

55024.18

13.9

63.59

N/A

Borrower As Individual

N/A

XXXX

10139115

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14313.34

01/16/2026

6.170%

Manual Underwriting

6.794%

6.625%

$7,970.81

$16,252.80

$1,354.40

$2,309.04

$192.42

$0.00

$9,517.63

$34,658.68

N/A

XXXX

$0.00

XXXX

28.58%

Self-Employed

1YR Full Doc

1 YR W2

N/A

Yes

0.00%

100.00%

Audited

CPA

N/A

Borrower - SECorporation - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR W2 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025

XXXX

790

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

254626.57

26.8

254626.57

26.8

74.99

N/A

Borrower As Individual

N/A

XXXX

10139116

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.000%

$1,138.55

$1,901.52

$158.46

$800.04

$66.67

$363.96

$30.33

$0.00

$1,394.01

N/A

XXXX

$30.33

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.65

1.64

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

748

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

497579.51

356.9

497579.51

356.9

44.17

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139118

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,428.75

$3,498.00

$291.50

$1,409.04

$117.42

$2,532.00

$211.00

$0.00

$2,048.67

N/A

XXXX

$211.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.001

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

781

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

246661.60

120.4

63.52

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139119

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

22865.0

01/09/2026

6.190%

Manual Underwriting

6.632%

6.500%

$4,424.48

$9,922.08

$826.84

$2,952.48

$246.04

$0.00

$5,497.36

$9,829.44

N/A

XXXX

$0.00

XXXX

40.27%

40.34%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Yes

N/A

Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025 || Co Borrower - ["2025"] - 2025

XXXX

702

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

678567.06

123.4

31.11

Yes

Borrower As Individual

N/A

XXXX

10139120

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,362.06

$702.36

$58.53

$2,927.04

$243.92

$0.00

$1,664.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.382

1.38

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

749

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Patriot Act Disclosure Borrower Identification

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

.00

0.0

61651.23

37.0

56.76

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139121

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,242.07

$6,205.68

$517.14

$3,155.16

$262.93

$0.00

$2,022.14

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.001

1.0

N/A

XXXX

735

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16533.90

8.2

16533.90

8.2

65.58

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139122

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,575.16

$3,979.20

$331.60

$1,358.04

$113.17

$0.00

$3,019.93

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.06

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

661

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Patriot Act Disclosure Borrower Identification

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

.00

0.0

103472.75

34.3

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139123

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

6160.04

01/20/2026

6.060%

Manual Underwriting

8.737%

8.250%

$1,442.43

$1,054.80

$87.90

$1,733.04

$144.42

$0.00

$1,674.75

$5,555.56

N/A

XXXX

$0.00

XXXX

34.51%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

679

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

19412.12

11.6

80.0

N/A

Borrower As Individual

N/A

XXXX

10139124

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

28485.3

01/13/2026

6.170%

Manual Underwriting

7.038%

6.750%

$7,718.32

$27,996.00

$2,333.00

$11,423.64

$951.97

$3,312.00

$276.00

$0.00

$11,279.29

$191,627.78

N/A

XXXX

$276.00

XXXX

Monthly

8.84%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

800

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

357520.90

31.7

357520.90

31.7

85.0

N/A

Borrower As Individual

N/A

MACKK Revocable Living Trust

XXXX

10139125

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7745.0

01/16/2026

6.170%

Manual Underwriting

7.586%

7.375%

$4,061.17

$11,250.72

$937.56

$2,729.28

$227.44

$2,349.96

$195.83

$0.00

$5,422.00

$20,232.12

N/A

XXXX

$195.83

XXXX

Annually

24.14%

Self-Employed

1YR Business P&L

N/A

0.00%

25.00%

Third-Party Prepared (Unaudited)

Accountant/Bookkeeper

Yes

N/A

Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Separation Agreement Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

691

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

40341.48

7.4

40341.48

7.4

80.0

N/A

Borrower As Individual

N/A

XXXX

10139126

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21165.0

01/08/2026

6.190%

Manual Underwriting

6.791%

6.750%

$12,517.94

$28,115.88

$2,342.99

$3,056.52

$254.71

$0.00

$15,115.64

$35,847.62

N/A

XXXX

$0.00

XXXX

30.20%

30.22%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

Proceeds from Sale

N/A

Yes

N/A

Borrower - SEPartnership, Other, 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) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025","2026"] - 2025, 2026 || Co Borrower - SEPartnership, Other - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025","2026"] - 2025, 2026

Borrower - ["2025","2026"] - 2025, 2026 || Co Borrower - ["2025","2026"] - 2025, 2026

XXXX

700

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

556268.93

41.4

556268.93

41.4

52.16

N/A

Borrower As Individual

N/A

The Sergio and Ana Magdalena Verduzco Family Trust

XXXX

10139127

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9335.0

01/16/2026

6.170%

Manual Underwriting

6.993%

6.875%

$3,271.51

$10,306.92

$858.91

$1,125.96

$93.83

$0.00

$4,224.25

$11,595.31

N/A

XXXX

$0.00

XXXX

35.20%

34.99%

Self-Employed

Not Employed

1099 Verified

1 YR 1099

N/A

Yes

N/A

0.00%

100.00%

0.00%

Stocks/Bonds

N/A

Borrower - SECorporation - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024 || Co Borrower - N/A - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - ["2024"] - 2024 || Co Borrower - 3 YRS Executed 4506T Verified

XXXX

735

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

30906.29

7.3

57519.60

13.6

79.85

N/A

Borrower As Individual

N/A

XXXX

10139129

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

27360.0

01/13/2026

6.170%

Manual Underwriting

6.759%

6.500%

$7,774.44

$17,675.88

$1,472.99

$5,448.96

$454.08

$1,599.96

$133.33

$0.00

$9,834.84

$625,662.43

N/A

XXXX

$133.33

XXXX

Annually

9.43%

Yes

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

744

XXXX

Unknown

US Citizen

N/A

Other

Patriot Act Disclosure

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

610894.51

62.1

610894.51

62.1

75.0

N/A

Borrower As Individual

N/A

VILLANUEVA FAMILY REVOCABLE TRUST

XXXX

10139131

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10314.46

01/16/2026

6.170%

Manual Underwriting

7.396%

7.250%

$5,631.37

$8,371.68

$697.64

$3,615.60

$301.30

$1,260.00

$105.00

$0.00

$6,735.31

$11,734.99

N/A

XXXX

$105.00

XXXX

Monthly

48.79%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

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, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

645

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

1152975.94

189.3

65.0

N/A

Borrower As Individual

N/A

The Mary E. Ikins 2001 Trust U/T/A dated 2/6/2011 dated 2/6/2001 for the benefit of Mary E Wilkins.

XXXX

10139132

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,675.17

$12,813.72

$1,067.81

$2,201.04

$183.42

$0.00

$2,926.40

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.093

1.09

N/A

XXXX

676

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

237288.20

81.1

38.35

N/A

Yes

Borrower As Individual

N/A

XXXX

10139133

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8338.62

01/20/2026

6.060%

Manual Underwriting

8.065%

7.750%

$3,214.18

$10,750.56

$895.88

$1,248.00

$104.00

$1,272.00

$106.00

$0.00

$4,320.06

$14,139.06

N/A

XXXX

$106.00

XXXX

Monthly

29.45%

29.44%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

743

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

56839.90

13.2

56839.90

13.2

90.0

N/A

Borrower As Individual

N/A

XXXX

10139135

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$1,902.47

$3,605.52

$300.46

$3,323.04

$276.92

$0.00

$2,479.85

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.27

1.29

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

790

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

109224.38

44.0

109224.38

44.0

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139136

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/06/2026

6.190%

Manual Underwriting

Approve Ineligible

7.052%

6.875%

$9,950.86

$20,694.00

$1,724.50

$1,478.04

$123.17

$2,952.00

$246.00

$0.00

$12,044.53

$19,435.39

N/A

XXXX

$246.00

XXXX

Monthly

44.15%

40.32%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

751

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Patriot Act Disclosure Borrower Identification

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

US Citizen

N/A

Other

Patriot Act Disclosure Borrower Identification

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

330677.97

34.7

330677.97

34.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10139137

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14760.0

01/23/2026

6.060%

Manual Underwriting

6.964%

6.750%

$5,188.78

$11,438.52

$953.21

$4,584.00

$382.00

$0.00

$6,523.99

$19,009.65

N/A

XXXX

$0.00

XXXX

39.15%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Yes

Work Number

Yes

Work Number

N/A

Borrower - Wage, Overtime, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026 || Co Borrower - Wage, Overtime - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026

Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026

XXXX

715

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

69835.50

10.7

69835.50

10.7

79.76

N/A

Borrower As Individual

N/A

XXXX

10139138

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,248.55

$6,056.88

$504.74

$3,155.16

$262.93

$0.00

$2,016.22

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.029

1.02

N/A

XXXX

735

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16553.90

8.2

16553.90

8.2

67.54

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139139

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,303.39

$4,492.20

$374.35

$3,389.04

$282.42

$0.00

$1,960.16

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.02

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

701

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

Patriot Act

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

280629.03

143.2

280629.03

143.2

65.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139140

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,918.23

$6,149.16

$512.43

$1,008.36

$84.03

$0.00

$2,514.69

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.06

N/A

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

XXXX

752

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

286210.22

113.8

65.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139149

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

16477.15

01/08/2026

6.190%

Manual Underwriting

7.304%

6.875%

$3,059.97

$2,994.24

$249.52

$2,979.96

$248.33

$0.00

$3,557.82

$4,206.18

N/A

XXXX

$0.00

XXXX

48.85%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

730

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Other

Patriot Act Disclosure

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

25562.44

7.2

25562.44

7.2

85.0

N/A

Borrower As Individual

N/A

XXXX

10139150

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,358.90

$4,236.48

$353.04

$4,218.96

$351.58

$0.00

$2,063.52

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.018

1.42

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

744

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

36850.94

17.9

36850.94

17.9

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139151

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$2,172.74

$9,360.84

$780.07

$1,838.04

$153.17

$0.00

$3,105.98

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.014

1.01

N/A

XXXX

774

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

313992.19

101.1

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139152

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/16/2026

6.170%

Manual Underwriting

6.830%

6.750%

$10,818.62

$53,010.48

$4,417.54

$8,064.96

$672.08

$3,480.00

$290.00

$0.00

$16,198.24

$38,385.10

N/A

XXXX

$290.00

XXXX

Monthly

44.87%

43.31%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage, Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

693

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

19069.35

1.2

19069.35

1.2

59.57

N/A

Borrower As Individual

N/A

XXXX

10139153

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

27957.4

01/27/2026

6.140%

Manual Underwriting

6.832%

6.625%

$9,476.60

$24,758.04

$2,063.17

$1,850.04

$154.17

$1,650.00

$137.50

$0.00

$11,831.44

$21,001.81

N/A

XXXX

$137.50

XXXX

Annually

37.49%

Not Employed

ALT DOC

N/A

60.0

Yes

N/A

0.00%

N/A

Borrower - Other, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified - []

Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified - []

XXXX

801

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

93724.19

7.9

93724.19

7.9

80.0

N/A

Borrower As Individual

N/A

XXXX

10139154

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11030.0

01/21/2026

6.060%

Manual Underwriting

6.583%

6.375%

$3,811.85

$6,907.44

$575.62

$1,859.28

$154.94

$0.00

$4,542.41

$6,917.03

N/A

XXXX

$0.00

XXXX

41.85%

44.22%

Self-Employed

12 Month Bank Statement

N/A

Yes

91.91%

50.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - ["2026","2025"] - 2026, 2025 || Co Borrower - SEPartnership - Business Bank Statements Verified, Lease Agreements Verified - ["2026","2025"] - 2026, 2025

Borrower - ["2026","2025"] - 2026, 2025 || Co Borrower - ["2026","2025"] - 2026, 2025

XXXX

731

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

12328.45

2.7

30539.22

6.7

50.0

N/A

Borrower As Individual

N/A

XXXX

10139155

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,664.81

$7,824.84

$652.07

$2,012.04

$167.67

$500.04

$41.67

$0.00

$2,526.22

N/A

XXXX

$41.67

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.108

1.1

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

805

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

76879.06

30.4

76879.06

30.4

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139156

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

13860.0

01/16/2026

6.170%

Manual Underwriting

6.868%

6.625%

$3,840.26

$3,360.00

$280.00

$7,341.96

$611.83

$425.04

$35.42

$0.00

$4,767.51

$27,980.14

N/A

XXXX

$35.42

XXXX

Annually

27.00%

29.03%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] - 2024

Borrower - 3 YRS Executed 4506T Verified - ["2024"] - 2024

XXXX

792

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

199983.71

42.0

199983.71

42.0

73.59

N/A

Borrower As Individual

N/A

XXXX

10139157

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21125.0

02/03/2026

6.100%

Manual Underwriting

6.983%

6.875%

$5,060.98

$12,659.88

$1,054.99

$4,574.04

$381.17

$0.00

$6,497.14

$121,829.93

N/A

XXXX

$0.00

XXXX

18.24%

18.22%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

685

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

974633.43

150.0

974633.43

150.0

59.26

N/A

Borrower As Individual

N/A

XXXX

10139158

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,703.23

$5,655.84

$471.32

$2,975.40

$247.95

$0.00

$2,422.50

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.156

1.15

N/A

XXXX

760

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

109694.04

45.3

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139159

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$1,334.76

$2,043.48

$170.29

$1,000.68

$83.39

$1,536.00

$128.00

$0.00

$1,716.44

N/A

XXXX

$128.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.02

1.01

N/A

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

XXXX

756

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

17831.16

10.4

17831.16

10.4

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139160

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10045.0

01/21/2026

6.060%

Manual Underwriting

7.954%

7.500%

$2,097.64

$9,520.08

$793.34

$3,375.96

$281.33

$0.00

$3,172.31

$12,775.93

N/A

XXXX

$0.00

XXXX

34.41%

34.00%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025 || Co Borrower - ["2025"] - 2025

XXXX

655

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

202699.85

63.9

39.16

N/A

Borrower As Individual

N/A

XXXX

10139162

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9593.0

01/15/2026

6.170%

Manual Underwriting

6.938%

6.875%

$3,384.50

$7,086.96

$590.58

$4,355.28

$362.94

$0.00

$4,338.02

$14,400.74

N/A

XXXX

$0.00

XXXX

40.74%

Retired

1YR Full Doc

N/A

Yes

0.00%

N/A

Borrower - Other, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

725

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

90045.75

20.8

90045.75

20.8

80.0

N/A

Borrower As Individual

N/A

XXXX

10139164

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

44705.0

01/22/2026

6.060%

Manual Underwriting

7.767%

7.500%

$7,488.59

$6,931.56

$577.63

$5,829.00

$485.75

$465.00

$38.75

$0.00

$8,590.72

$18,756.62

N/A

XXXX

$38.75

XXXX

Annually

35.18%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SECorporation - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

707

XXXX

Unknown

US Citizen

N/A

Other

USA Patriot Act Disclosure

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

115413.78

13.4

115413.78

13.4

85.0

N/A

Borrower As Individual

N/A

XXXX

10139165

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9744.4

12/23/2025

6.250%

Manual Underwriting

6.757%

6.500%

$2,490.16

$7,271.88

$605.99

$2,210.04

$184.17

$431.04

$35.92

$0.00

$3,316.24

$7,446.39

N/A

XXXX

$35.92

XXXX

Annually

42.40%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

19362.68

5.8

19362.68

5.8

76.5

N/A

Borrower As Individual

N/A

XXXX

10139166

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$2,707.45

$720.60

$60.05

$2,412.00

$201.00

$0.00

$2,968.50

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.213

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

731

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16683.10

5.6

16683.10

5.6

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139167

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

28293.63

12/30/2025

6.250%

Manual Underwriting

6.950%

6.875%

$6,944.69

$9,745.44

$812.12

$2,685.96

$223.83

$1,200.00

$100.00

$0.00

$8,080.64

$9,712.47

N/A

XXXX

$100.00

XXXX

Annually

39.01%

49.21%

Not Employed

Asset Depletion – Total Asset Calculation

N/A

Yes

0.00%

N/A

Borrower - Other, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - Other - 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

709

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

210209.50

29.2

210209.50

29.2

65.0

N/A

Borrower As Individual

N/A

XXXX

10139168

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

19235.0

09/09/2025

6.540%

Manual Underwriting

7.352%

7.125%

6.875%

$5,858.66

$8,488.92

$707.41

$4,317.96

$359.83

$900.00

$75.00

$0.00

$7,000.90

$20,604.12

N/A

XXXX

$75.00

XXXX

Annually

30.58%

30.63%

Not Employed

Employed

Asset Depletion – Debt Ratio Calculation

2 YRS W2

1 Month

N/A

Yes

60.0

N/A

Yes

0.00%

Stocks/Bonds

N/A

Borrower - 3 YRS Executed 4506T Verified || Co Borrower - Wage, Retirement, Asset Depletion - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025"] - 2025

XXXX

759

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

46372.39

6.6

46372.39

6.6

80.0

N/A

Borrower As Individual

N/A

XXXX

10139169

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12315.0

11/21/2025

6.230%

Manual Underwriting

7.642%

7.375%

$3,699.04

$12,431.52

$1,035.96

$2,189.04

$182.42

$342.00

$28.50

$0.00

$4,945.92

$36,838.08

N/A

XXXX

$28.50

XXXX

Annually

11.84%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

N/A

Borrower - SECorporation - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

691

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

246037.69

49.7

25119.62

5.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10139170

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

18785.0

01/20/2026

6.060%

Manual Underwriting

6.891%

6.625%

$5,162.51

$505.32

$42.11

$689.04

$57.42

$13,380.00

$1,115.00

$0.00

$6,377.04

$23,272.34

Yes

XXXX

$1,115.00

XXXX

Monthly

33.70%

Yes

Employed

2YR Full Doc

2 YRS W2

Less than 1 Month

N/A

Yes

0.00%

N/A

Yes

139

Other

Yes

Other

Borrower - Wage, Bonus - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

783

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

2892274.97

453.6

2892274.97

453.6

75.0

Yes

Borrower As Individual

N/A

XXXX

10139171

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/20/2026

6.060%

Manual Underwriting

6.772%

6.625%

$7,107.45

$9,703.80

$808.65

$7,380.12

$615.01

$1,200.00

$100.00

$0.00

$8,631.11

$17,513.60

N/A

XXXX

$100.00

XXXX

Monthly

40.78%

Self-Employed

Not Employed

24 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

760

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1336.74

0.2

1336.74

0.2

79.97

N/A

Borrower As Individual

N/A

XXXX

10139172

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,334.38

$2,350.32

$195.86

$6,759.84

$563.32

$0.00

$3,093.56

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

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

705

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

32447.09

10.5

74.37

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139176

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$938.13

$2,193.00

$182.75

$1,003.08

$83.59

$0.00

$1,204.47

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.038

1.03

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

778

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

15169.94

12.6

63.2

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139177

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15725.0

01/12/2026

6.170%

Manual Underwriting

6.727%

6.375%

$3,144.30

$10,095.24

$841.27

$1,963.56

$163.63

$0.00

$4,149.20

$5,925.84

N/A

XXXX

$0.00

XXXX

44.36%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

803

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Patriot Act

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

32583.03

7.9

32583.03

7.9

80.0

N/A

Borrower As Individual

N/A

XXXX

10139178

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8165.0

12/31/2025

6.250%

Manual Underwriting

6.709%

6.625%

$6,776.55

$16,236.48

$1,353.04

$5,230.56

$435.88

$1,776.00

$148.00

$0.00

$8,713.47

$15,316.24

N/A

XXXX

$148.00

XXXX

Monthly

37.09%

Retired

1YR Full Doc

N/A

Yes

N/A

49.42%

0.00%

N/A

Borrower - Retirement, SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 || Co Borrower - Retirement, SSI and Disability, Retirement, Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025","2026"] - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026

XXXX

776

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

148117.42

21.5

56.53

N/A

Borrower As Individual

N/A

XXXX

10139179

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$4,427.97

$10,859.16

$904.93

$4,005.00

$333.75

$1,152.00

$96.00

$0.00

$5,762.65

N/A

XXXX

$96.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.041

1.04

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

733

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

116986.81

20.3

116986.81

20.3

74.29

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139180

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$2,352.14

$9,617.76

$801.48

$2,645.88

$220.49

$0.00

$3,374.11

$6,566.69

N/A

XXXX

$0.00

XXXX

36.72%

Yes

Retired

2YR Full Doc

2 YRS 1099

N/A

Yes

0.00%

N/A

Borrower - SSI and Disability, Retirement, Subject Property Net Rental Income(Loss) if NOO - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

753

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

14395.07

4.3

14395.07

4.3

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139181

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9690.95

01/09/2026

6.190%

Manual Underwriting

7.652%

7.500%

$6,537.66

$13,149.00

$1,095.75

$2,312.04

$192.67

$0.00

$7,826.08

$1,728,656.01

N/A

XXXX

$0.00

XXXX

1.33%

1.34%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

717

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

139448.93

17.8

139448.93

17.8

85.0

N/A

Borrower As Individual

N/A

XXXX

10139182

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$2,898.44

$1,076.52

$89.71

$1,574.52

$131.21

$0.00

$3,119.36

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.282

1.28

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

774

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

18105.95

5.8

57.69

N/A

Yes

Borrower As Individual

N/A

XXXX

10139183

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

19623.8

01/15/2026

6.170%

Manual Underwriting

6.759%

6.625%

$11,269.47

$31,888.44

$2,657.37

$2,507.04

$208.92

$0.00

$14,135.76

$16,585.75

N/A

XXXX

$0.00

XXXX

47.40%

Self-Employed

1YR Business P&L

N/A

Yes

N/A

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor, SSI and Disability, Retirement, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

805

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

285486.86

20.2

285486.86

20.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10139184

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$5,346.97

$13,534.20

$1,127.85

$2,649.96

$220.83

$0.00

$6,695.65

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.001

1.0

N/A

XXXX

775

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

102135.87

15.3

102135.87

15.3

80.0

N/A

Yes

Borrower As Individual

N/A

Willie Walker , As Co-Trustee of The Walker Family Trust

XXXX

10139186

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8990.0

01/26/2026

6.140%

Manual Underwriting

6.878%

6.500%

$1,674.98

$5,748.72

$479.06

$0.00

$6,504.00

$542.00

$0.00

$2,696.04

$6,192.34

Yes

XXXX

$542.00

XXXX

Monthly

37.59%

1 - Not Stated Not Verified

3 - Stated, Partially Verified

3 - Stated, 3rd Party Verification

Self-Employed

Retired

Not Employed

.00

12 Month Bank Statement

N/A

Yes

42.58%

100.00%

0.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SSI and Disability, Retirement, Other REO Net Rental Income(Loss) - Award Letter Verified - ["2025","2026"] - 2025, 2026 || Co Borrower 2 - SSI and Disability - Award Letter Verified - ["2026"] - 2026

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2025","2026"] - 2025, 2026 || Co Borrower 2 - ["2026"] - 2026

XXXX

767

795

815

797

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

15844.62

5.9

15844.62

5.9

56.99

Yes

Borrower As Individual

N/A

XXXX

10139188

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9240.0

01/20/2026

6.060%

Manual Underwriting

6.346%

6.250%

$8,158.25

$15,984.84

$1,332.07

$12,307.80

$1,025.65

$0.00

$10,515.97

$17,561.75

N/A

XXXX

$0.00

XXXX

44.96%

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

58.15%

100.00%

0.00%

N/A

Yes

FNMA 1005

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - ["2025","2026"] - 2025, 2026 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026

Borrower - ["2025","2026"] - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026

XXXX

702

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

15953.18

1.5

91928.72

8.7

29.44

N/A

Borrower As Individual

N/A

The Parker Family Trust

XXXX

10139190

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

16566.32

01/21/2026

6.060%

Manual Underwriting

6.707%

6.500%

$7,357.27

$22,272.84

$1,856.07

$4,121.04

$343.42

$0.00

$9,556.76

$15,237.73

N/A

XXXX

$0.00

XXXX

48.97%

Employed

1YR Full Doc

1 YR W2

1 Month

N/A

Yes

0.00%

Stocks/Bonds,Stocks/Bonds,Stocks/Bonds

N/A

Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026

XXXX

757

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

707475.07

74.0

707475.07

74.0

60.0

N/A

Borrower As Individual

N/A

XXXX

10139192

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

1865.0

01/23/2026

6.060%

Manual Underwriting

6.173%

6.125%

$7,595.13

$64,175.04

$5,347.92

$3,620.64

$301.72

$900.00

$75.00

$0.00

$13,319.77

$120,875.84

N/A

XXXX

$75.00

XXXX

Monthly

10.99%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

798

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

1249373.11

93.8

15.24

N/A

Borrower As Individual

N/A

XXXX

10139193

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7069.0

01/22/2026

6.060%

Manual Underwriting

6.991%

6.875%

$5,807.25

$3,238.92

$269.91

$1,962.12

$163.51

$0.00

$6,240.67

$16,699.56

N/A

XXXX

$0.00

XXXX

48.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

771

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

449351.13

72.0

449351.13

72.0

85.0

N/A

Borrower As Individual

N/A

XXXX

10139196

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

16710.0

01/21/2026

6.060%

Manual Underwriting

6.646%

6.500%

$6,826.33

$4,242.72

$353.56

$2,851.44

$237.62

$0.00

$7,417.51

$16,842.23

N/A

XXXX

$0.00

XXXX

32.69%

32.68%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

784

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

265558.87

41.2

265558.87

41.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10139197

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12099.36

01/06/2026

6.190%

Manual Underwriting

6.922%

6.875%

$4,276.61

$7,909.20

$659.10

$1,746.00

$145.50

$0.00

$5,081.21

$70,781.91

N/A

XXXX

$0.00

XXXX

10.86%

10.80%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

99.46%

50.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

779

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

21091.52

4.2

21091.52

4.2

62.6

N/A

Borrower As Individual

N/A

XXXX

10139200

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15382.0

01/06/2026

6.190%

Manual Underwriting

6.618%

6.375%

$2,183.54

$2,160.72

$180.06

$3,097.44

$258.12

$0.00

$2,621.72

$12,762.18

N/A

XXXX

$0.00

XXXX

22.62%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

0.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - N/A

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

735

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

30894.81

11.8

64.81

N/A

Borrower As Individual

N/A

XXXX

10139201

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$2,624.57

$3,781.20

$315.10

$2,199.96

$183.33

$0.00

$3,123.00

$20,040.78

N/A

XXXX

$0.00

XXXX

37.90%

37.31%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

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), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

749

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

271120.89

86.8

271120.89

86.8

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139202

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,232.60

$1,309.08

$109.09

$1,887.00

$157.25

$0.00

$1,498.94

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.334

1.1

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

735

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

73715.84

49.2

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139203

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$4,621.88

$6,433.92

$536.16

$4,812.00

$401.00

$0.00

$5,559.04

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

714

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

51149.48

9.2

51149.48

9.2

58.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139204

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9955.0

01/26/2026

6.140%

Manual Underwriting

6.830%

6.750%

$2,646.28

$5,797.68

$483.14

$1,815.96

$151.33

$1,980.00

$165.00

$0.00

$3,445.75

$6,897.25

N/A

XXXX

$165.00

XXXX

Monthly

41.57%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

772

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

34895.71

10.1

34895.71

10.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10139205

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$8,893.08

$10,756.08

$896.34

$7,584.00

$632.00

$0.00

$10,421.42

$101,188.76

N/A

XXXX

$0.00

XXXX

36.36%

27.28%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

90.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

677

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

323062.23

31.0

323062.23

31.0

60.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139206

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

1865.0

01/12/2026

6.170%

Manual Underwriting

7.424%

7.375%

$5,483.96

$7,516.20

$626.35

$1,505.04

$125.42

$300.00

$25.00

$0.00

$6,260.73

$8,950.83

N/A

XXXX

$25.00

XXXX

Monthly

47.84%

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

77.20%

100.00%

0.00%

N/A

Yes

Work Number

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Wage, Overtime - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

674

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

46101.16

7.4

46101.16

7.4

80.0

N/A

Borrower As Individual

N/A

XXXX

10139208

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7216.81

01/22/2026

6.060%

Manual Underwriting

7.630%

7.250%

$1,728.63

$4,650.84

$387.57

$2,124.96

$177.08

$425.04

$35.42

$0.00

$2,328.70

$8,201.86

N/A

XXXX

$35.42

XXXX

Annually

30.16%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

643

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

28962.97

12.4

70.0

N/A

Borrower As Individual

N/A

XXXX

10139212

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

4577.5

01/21/2026

6.060%

Manual Underwriting

7.320%

7.000%

$1,443.71

$6,129.48

$510.79

$1,778.28

$148.19

$465.00

$38.75

$0.00

$2,141.44

$4,256.56

N/A

XXXX

$38.75

XXXX

Annually

33.89%

33.88%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

50.00%

Audited

CPA

Audited

CPA

N/A

Borrower - SEPartnership - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

725

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Passport

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

Passport

XXXX

Fee Simple

XXXX

N/A

175712.05

82.1

175712.05

82.1

46.47

N/A

Borrower As Individual

N/A

XXXX

10139213

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11033.0

01/13/2026

6.170%

Manual Underwriting

6.961%

6.875%

$4,015.15

$18,957.60

$1,579.80

$4,888.68

$407.39

$3,048.00

$254.00

$0.00

$6,256.34

$22,723.05

N/A

XXXX

$254.00

XXXX

Monthly

24.94%

24.40%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

741

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

Yes

N/A

19562.68

3.1

19562.68

3.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10139214

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,154.17

$830.16

$69.18

$1,836.48

$153.04

$330.00

$27.50

$0.00

$2,403.89

N/A

XXXX

$27.50

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.04

1.03

N/A

XXXX

774

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

9954.76

4.1

9954.76

4.1

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139215

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$2,183.54

$1,384.44

$115.37

$1,027.44

$85.62

$0.00

$2,384.53

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.468

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

725

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

154288.15

64.7

45.16

N/A

Yes

Borrower As Individual

N/A

XXXX

10139216

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,478.09

$5,788.32

$482.36

$855.00

$71.25

$0.00

$2,031.70

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.181

1.18

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

747

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Patriot Act

XXXX

United States of America (USA)

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

26719.78

13.2

26719.78

13.2

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139217

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$972.90

$7,890.00

$657.50

$1,589.04

$132.42

$0.00

$1,762.82

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.248

1.2

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

762

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

53843.91

30.5

53843.91

30.5

44.78

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139218

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10115.0

01/20/2026

6.060%

Manual Underwriting

6.636%

6.500%

$2,085.82

$5,384.76

$448.73

$1,380.96

$115.08

$0.00

$2,649.63

$7,781.07

N/A

XXXX

$0.00

XXXX

25.40%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

754

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

102042.34

38.5

102042.34

38.5

55.93

N/A

Borrower As Individual

N/A

XXXX

10139219

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

28257.5

01/15/2026

6.170%

Manual Underwriting

7.020%

6.750%

$3,804.03

$8,521.92

$710.16

$2,738.04

$228.17

$0.00

$4,742.36

$28,526.18

N/A

XXXX

$0.00

XXXX

26.35%

Employed

Not Employed

1YR Full Doc

1 YR W2

1 Month

N/A

Yes

N/A

0.00%

N/A

Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 || Co Borrower

Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 || Co Borrower

XXXX

781

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

68978.81

14.6

68978.81

14.6

85.0

N/A

Borrower As Individual

N/A

XXXX

10139220

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

$1,475.71

$1,282.68

$106.89

$1,338.48

$111.54

$0.00

$1,694.14

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.122

1.12

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

691

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

9700.49

5.7

12092.31

7.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139223

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

37295.0

01/20/2026

6.060%

Manual Underwriting

6.697%

6.625%

$9,604.66

$13,074.12

$1,089.51

$1,014.00

$84.50

$1,992.00

$166.00

$0.00

$10,944.67

$21,208.96

N/A

XXXX

$166.00

XXXX

Monthly

40.25%

40.15%

Self-Employed

2YR Full Doc

2 YRS W2

N/A

Yes

0.00%

100.00%

Borrower Prepared

Borrower

N/A

Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 2 YRS W2 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024

XXXX

750

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

937018.73

85.6

75.0

N/A

Borrower As Individual

N/A

Trustee of The Fehrman Family Trust Date July 29,2002

XXXX

10139224

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$0.00

$4,483.56

$373.63

$881.16

$73.43

$0.00

$447.06

$15,195.45

N/A

XXXX

$0.00

XXXX

44.95%

43.42%

Yes

Self-Employed

Employed

12 Month Bank Statement

1 Month

N/A

Yes

59.94%

100.00%

0.00%

N/A

Yes

N/A

Yes

Work Number

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Separation Agreement Verified, Personal Bank Statements Verified - ["2025","2026"] - 2025, 2026 || Co Borrower - Wage, Overtime - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026

XXXX

717

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

143166.28

58.1

143166.28

58.1

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139229

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$1,934.13

$1,673.40

$139.45

$2,380.92

$198.41

$0.00

$2,271.99

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.32

1.28

N/A

XXXX

762

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

45651.58

19.5

50651.58

21.6

65.81

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139230

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

20427.5

01/16/2026

6.170%

Manual Underwriting

7.108%

7.000%

$4,116.56

$15,421.32

$1,285.11

$3,192.00

$266.00

$800.04

$66.67

$0.00

$5,734.34

$25,907.36

N/A

XXXX

$66.67

XXXX

Annually

20.68%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

85.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

809

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

466100.63

81.3

75.0

N/A

Borrower As Individual

N/A

XXXX

10139231

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

23951.8

01/13/2026

6.170%

Manual Underwriting

6.656%

6.625%

$9,985.66

$11,733.24

$977.77

$1,384.56

$115.38

$3,924.00

$327.00

$0.00

$11,405.81

$18,332.17

N/A

XXXX

$327.00

XXXX

Monthly

40.34%

48.07%

Self-Employed

Asset Depletion – Debt Ratio Calculation

2 YRS W2

N/A

Yes

60.0

Yes

0.00%

100.00%

N/A

Borrower - SESCorp, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS W2 Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

724

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

298924.51

26.2

298924.51

26.2

70.0

N/A

Borrower As Individual

N/A

XXXX

10139233

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

20577.4

01/12/2026

6.170%

Manual Underwriting

6.925%

6.750%

$3,372.71

$12,356.28

$1,029.69

$1,556.04

$129.67

$0.00

$4,532.07

$15,450.19

N/A

XXXX

$0.00

XXXX

23.93%

23.92%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

773

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

55716.91

12.3

55716.91

12.3

80.0

N/A

Borrower As Individual

N/A

XXXX

10139234

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,848.00

$5,357.76

$446.48

$2,344.68

$195.39

$0.00

$2,489.87

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.647

1.64

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

768

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

41825.34

16.8

41825.34

16.8

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139235

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$3,290.63

$2,139.12

$178.26

$1,833.96

$152.83

$0.00

$3,621.72

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.008

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

819

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

83890.87

23.2

83890.87

23.2

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139236

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12182.94

01/20/2026

6.060%

Manual Underwriting

6.799%

6.625%

$2,040.99

$4,462.68

$371.89

$1,288.92

$107.41

$651.96

$54.33

$0.00

$2,574.62

$3,314.53

N/A

XXXX

$54.33

XXXX

Annually

51.87%

43.72%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - SECorporation - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

807

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

19694.99

7.7

19694.99

7.7

75.0

N/A

Borrower As Individual

N/A

XXXX

10139238

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$960.47

$2,039.64

$169.97

$1,247.40

$103.95

$2,028.00

$169.00

$0.00

$1,403.39

N/A

XXXX

$169.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.211

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

713

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

43603.05

31.1

43603.05

31.1

60.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139239

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21764.53

01/20/2026

6.060%

Manual Underwriting

7.011%

6.750%

$3,453.78

$8,747.52

$728.96

$6,291.00

$524.25

$0.00

$4,706.99

$10,915.04

N/A

XXXX

$0.00

XXXX

35.17%

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, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

799

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

100089.84

21.3

75.0

N/A

Borrower As Individual

N/A

XXXX

10139240

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$3,958.85

$13,706.28

$1,142.19

$1,851.96

$154.33

$0.00

$5,255.37

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

0.818

0.81

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

776

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

176645.01

35.8

176645.01

35.8

63.02

N/A

Yes

Borrower As Individual

N/A

Francine A. Reich Revocable Trust

XXXX

10139242

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10990.0

01/21/2026

6.060%

Manual Underwriting

6.938%

6.750%

$2,367.38

$5,645.16

$470.43

$1,126.68

$93.89

$0.00

$2,931.70

$6,811.36

N/A

XXXX

$0.00

XXXX

30.09%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

800

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

I-551 Permanent Resident Card

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

43278.01

14.8

43278.01

14.8

70.87

N/A

Borrower As Individual

N/A

XXXX

10139243

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.000%

$1,565.00

$8,626.56

$718.88

$2,072.04

$172.67

$0.00

$2,456.55

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.018

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

772

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

37220.18

15.2

37220.18

15.2

76.72

N/A

Yes

Borrower As Individual

N/A

XXXX

10139244

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/20/2026

6.060%

Manual Underwriting

7.476%

7.125%

$3,670.72

$22,037.28

$1,836.44

$2,329.56

$194.13

$0.00

$5,701.29

$123,782.94

N/A

XXXX

$0.00

XXXX

9.32%

9.45%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

50.00%

0.00%

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - N/A

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

627

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

227648.01

39.9

227648.01

39.9

70.0

N/A

Borrower As Individual

N/A

XXXX

10139245

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

22018.44

01/20/2026

6.060%

Manual Underwriting

6.614%

6.375%

$6,796.28

$4,666.44

$388.87

$3,257.04

$271.42

$0.00

$7,456.57

$99,860.92

N/A

XXXX

$0.00

XXXX

8.03%

8.82%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

750

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

Yes

N/A

489637.87

65.7

489637.87

65.7

75.0

N/A

Borrower As Individual

N/A

XXXX

10139246

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,279.08

$2,954.64

$246.22

$1,728.84

$144.07

$0.00

$1,669.37

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.587

1.58

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

711

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

178343.70

106.8

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139247

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9111.0

01/23/2026

6.060%

Manual Underwriting

7.516%

7.125%

$1,775.19

$3,453.12

$287.76

$732.00

$61.00

$425.04

$35.42

$0.00

$2,159.37

$3,730.61

N/A

XXXX

$35.42

XXXX

Annually

37.04%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - null Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 || Co Borrower - SESoleProprietor - null Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - null Executed 4506T Verified - ["2025","2024"] - 2025, 2024 || Co Borrower - null Executed 4506T Verified - ["2025","2024"] - 2025, 2024

XXXX

730

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

13035.53

6.0

13035.53

6.0

85.0

N/A

Borrower As Individual

N/A

XXXX

10139248

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15533.75

01/16/2026

6.170%

Manual Underwriting

6.716%

6.500%

$5,759.72

$6,221.04

$518.42

$1,146.00

$95.50

$0.00

$6,373.64

$12,393.95

N/A

XXXX

$0.00

XXXX

34.37%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

727

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

63297.89

9.9

63297.89

9.9

75.0

N/A

Borrower As Individual

N/A

XXXX

10139249

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

17277.38

01/15/2026

6.170%

Manual Underwriting

7.176%

6.875%

$4,526.08

$10,243.92

$853.66

$1,922.28

$160.19

$0.00

$5,539.93

$6,396.07

N/A

XXXX

$0.00

XXXX

47.47%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026

Borrower - ["2025","2026"] - 2025, 2026

XXXX

759

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

8265.96

1.5

15154.54

2.7

83.01

N/A

Borrower As Individual

N/A

XXXX

10139250

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

32753.0

01/23/2026

6.060%

Manual Underwriting

6.403%

6.125%

$8,886.30

$21,943.32

$1,828.61

$1,916.04

$159.67

$3,600.00

$300.00

$0.00

$11,174.58

$15,351.59

N/A

XXXX

$300.00

XXXX

Monthly

49.83%

49.58%

Employed

Self-Employed

1099 Verified

1 YR 1099

1 Month

N/A

Yes

0.00%

100.00%

Stocks/Bonds

N/A

Borrower - Wage, Retirement - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 || Co Borrower - SESoleProprietor, SESoleProprietor - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

771

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

307487.65

27.5

307487.65

27.5

75.0

N/A

Borrower As Individual

N/A

The John Frederick Tejeda Revocable Trust dated February 19,2020

XXXX

10139251

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21597.0

01/14/2026

6.170%

Manual Underwriting

6.588%

6.500%

$7,559.53

$19,086.84

$1,590.57

$2,876.88

$239.74

$0.00

$9,389.84

$49,379.13

N/A

XXXX

$0.00

XXXX

26.13%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - Other REO Net Rental Income(Loss) || Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower || Co Borrower - ["2025"] - 2025

XXXX

772

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

405283.18

43.2

405283.18

43.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10139252

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,740.86

$11,588.52

$965.71

$2,495.04

$207.92

$360.00

$30.00

$0.00

$2,944.49

N/A

XXXX

$30.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.9

0.89

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

761

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

209714.25

71.2

209714.25

71.2

51.46

N/A

Yes

Borrower As Individual

N/A

XXXX

10139253

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

2397.5

01/12/2026

6.170%

Manual Underwriting

7.492%

7.375%

$1,937.34

$1,524.84

$127.07

$1,245.00

$103.75

$918.00

$76.50

$0.00

$2,244.66

$4,547.77

N/A

XXXX

$76.50

XXXX

Annually

43.10%

Self-Employed

1099 Verified

2 YRS 1099

N/A

Yes

0.00%

N/A

Borrower - Other, SSI and Disability, SSI and Disability - 2 YRS 1099 Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

723

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

47031.98

21.0

17811.31

7.9

85.0

N/A

Borrower As Individual

N/A

XXXX

10139254

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$8,828.56

$24,999.96

$2,083.33

$3,689.04

$307.42

$0.00

$11,219.31

$65,723.81

N/A

XXXX

$0.00

XXXX

35.49%

35.38%

Yes

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

50.00%

Audited

CPA

N/A

Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024

XXXX

764

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

220538.81

19.7

220538.81

19.7

57.7

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139255

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$4,156.25

$7,841.28

$653.44

$980.76

$81.73

$1,704.00

$142.00

$0.00

$5,033.42

N/A

XXXX

$142.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.007

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

723

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

70505.20

14.0

161829.44

32.2

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10139257

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$3,784.61

$11,996.16

$999.68

$1,668.84

$139.07

$2,724.00

$227.00

$0.00

$5,150.36

$45,477.68

N/A

XXXX

$227.00

XXXX

Monthly

18.77%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

785

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

173858.69

33.8

173858.69

33.8

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10139258

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12025.53

01/13/2026

6.170%

Manual Underwriting

7.218%

6.875%

$2,735.55

$8,124.84

$677.07

$577.20

$48.10

$0.00

$3,460.72

$3,843.19

N/A

XXXX

$0.00

XXXX

49.12%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

740

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

17028.82

4.9

17028.82

4.9

85.0

N/A

Borrower As Individual

N/A

XXXX

10151687

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21665.0

01/29/2026

6.140%

Manual Underwriting

6.781%

6.750%

$8,282.04

$18,355.68

$1,529.64

$1,537.68

$128.14

$1,800.00

$150.00

$0.00

$10,089.82

$71,444.35

N/A

XXXX

$150.00

XXXX

Monthly

13.29%

13.30%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

768

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

4865129.97

482.2

4865129.97

482.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10151689

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

1865.0

01/30/2026

6.140%

Manual Underwriting

6.818%

6.750%

$5,156.35

$11,273.52

$939.46

$2,454.00

$204.50

$0.00

$6,300.31

$7,589.06

N/A

XXXX

$0.00

XXXX

49.78%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026

Borrower - ["2025","2026"] - 2025, 2026

XXXX

667

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

266104.89

42.2

44.17

N/A

Borrower As Individual

N/A

XXXX

10151690

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10756.34

12/12/2025

6.220%

Manual Underwriting

6.587%

6.375%

$4,437.63

$11,220.48

$935.04

$4,044.12

$337.01

$1,200.00

$100.00

$0.00

$5,809.68

$9,961.72

N/A

XXXX

$100.00

XXXX

Monthly

44.01%

Self-Employed

12 Month Bank Statement

N/A

Yes

91.00%

100.00%

N/A

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2024","2025"] - 2024, 2025

XXXX

795

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

33872.88

5.8

33872.88

5.8

72.58

N/A

Borrower As Individual

N/A

XXXX

10151695

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15295.5

12/30/2025

6.250%

Manual Underwriting

6.812%

6.750%

$18,157.49

$58,824.36

$4,902.03

$9,410.04

$784.17

$2,592.00

$216.00

$0.00

$24,059.69

$39,871.42

N/A

XXXX

$216.00

XXXX

Monthly

43.06%

42.35%

Yes

Not Employed

1YR Full Doc

N/A

Yes

N/A

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - Other, Other REO Net Rental Income(Loss) - ["2025"] - 2025 || Co Borrower

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

772

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

757589.17

39.2

757589.17

39.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10151696

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10190.82

01/14/2026

6.170%

Manual Underwriting

7.315%

7.125%

7.375%

$4,635.34

$6,538.80

$544.90

$1,335.24

$111.27

$0.00

$5,291.51

$20,366.71

N/A

XXXX

$0.00

XXXX

26.43%

26.00%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor - 1 YR 1099 Verified, 1 YR Executed 4506T Verified - ["2025"] - 2025

Borrower - 1 YR Executed 4506T Verified - ["2025"] - 2025

XXXX

671

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

34031.19

6.4

34031.19

6.4

80.0

N/A

Borrower As Individual

N/A

XXXX

10151698

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

6775.0

02/03/2026

6.100%

Manual Underwriting

6.944%

6.625%

$1,594.37

$6,103.92

$508.66

$1,478.52

$123.21

$0.00

$2,226.24

$3,800.49

N/A

XXXX

$0.00

XXXX

47.08%

Self-Employed

Not Employed

12 Month Bank Statement

2 YRS 1099

N/A

Yes

63.53%

100.00%

0.00%

N/A

Borrower - SESoleProprietor, Retirement - 2 YRS 1099 Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - SSI and Disability - 2 YRS 1099 Verified, Award Letter Verified - ["2025"] - 2025

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower - ["2025"] - 2025

XXXX

781

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

9642.66

4.3

9642.66

4.3

64.68

N/A

Borrower As Individual

N/A

XXXX

10151699

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12/30/2025

6.250%

Manual Underwriting

8.061%

7.875%

$5,659.07

$11,847.96

$987.33

$1,195.20

$99.60

$0.00

$6,746.00

$8,855.25

N/A

XXXX

$0.00

XXXX

48.28%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

677

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

329.58

0.0

40772.43

6.0

75.0

N/A

Borrower As Individual

N/A

XXXX

10151700

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10182.5

01/30/2026

6.140%

Manual Underwriting

6.355%

6.125%

$3,369.20

$1,704.24

$142.02

$771.48

$64.29

$0.00

$3,575.51

$4,390.80

N/A

XXXX

$0.00

XXXX

46.05%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

781

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

88824.94

24.8

88824.94

24.8

37.59

N/A

Borrower As Individual

N/A

XXXX

10151702

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

4842.48

01/15/2026

6.170%

Manual Underwriting

7.333%

7.125%

$2,721.82

$1,643.64

$136.97

$1,260.96

$105.08

$0.00

$2,963.87

$7,134.56

N/A

XXXX

$0.00

XXXX

32.27%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

742

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

32990.21

11.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10151706

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

25995.04

01/22/2026

6.060%

Manual Underwriting

6.924%

6.750%

$4,488.30

$5,313.12

$442.76

$1,533.48

$127.79

$0.00

$5,058.85

$13,761.29

N/A

XXXX

$0.00

XXXX

30.84%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

702

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

76871.76

15.2

76871.76

15.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10151711

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21665.0

02/03/2026

6.100%

Manual Underwriting

6.869%

6.625%

$6,339.08

$8,920.08

$743.34

$5,280.12

$440.01

$0.00

$7,522.43

$15,431.28

N/A

XXXX

$0.00

XXXX

39.36%

39.62%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SESCorp - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower - SESCorp - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025 || Co Borrower - ["2025"] - 2025

XXXX

664

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Passport

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

68874.89

9.2

60.0

N/A

Borrower As Individual

N/A

XXXX

10151715

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15714.0

01/21/2026

6.060%

Manual Underwriting

6.769%

6.625%

$2,721.32

$19,809.48

$1,650.79

$9,981.00

$831.75

$534.96

$44.58

$0.00

$5,248.44

$25,328.97

N/A

XXXX

$44.58

XXXX

Annually

21.01%

Retired

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Yes

0.00%

100.00%

N/A

Borrower - Asset Depletion, Retirement - 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

748

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

564422.27

107.5

964766.92

183.8

26.81

N/A

Borrower As Individual

N/A

XXXX

10151716

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$1,266.59

$5,747.04

$478.92

$3,116.04

$259.67

$0.00

$2,005.18

$123,460.42

N/A

XXXX

$0.00

XXXX

3.40%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

786

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

288371.34

143.8

288371.34

143.8

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151717

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10365.0

01/28/2026

6.140%

Manual Underwriting

7.109%

6.875%

$4,467.12

$9,123.60

$760.30

$3,331.20

$277.60

$0.00

$5,505.02

$9,286.58

N/A

XXXX

$0.00

XXXX

46.86%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

0.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower - N/A

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

775

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

97300.33

17.7

90316.65

16.4

85.0

Yes

Borrower As Individual

N/A

XXXX

10151719

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$5,861.35

$13,810.92

$1,150.91

$2,091.00

$174.25

$0.00

$7,186.51

$18,975.21

N/A

XXXX

$0.00

XXXX

40.55%

40.56%

Yes

Self-Employed

1YR Full Doc

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor, SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

720

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

121821.09

17.0

121821.09

17.0

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151721

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/30/2026

6.140%

Manual Underwriting

7.394%

6.875%

$1,434.50

$3,300.00

$275.00

$591.96

$49.33

$650.04

$54.17

$0.00

$1,813.00

$2,490.53

N/A

XXXX

$54.17

XXXX

Annually

47.71%

47.47%

Employed

1YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Yes

Other

N/A

Borrower - Wage, Military and Government Assistance - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026

Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026

XXXX

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

22547.34

12.4

22547.34

12.4

85.0

N/A

Borrower As Individual

N/A

XXXX

10151722

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21849.0

01/29/2026

6.140%

Manual Underwriting

7.232%

7.125%

$6,731.80

$13,635.84

$1,136.32

$1,859.40

$154.95

$0.00

$8,023.07

$28,867.85

N/A

XXXX

$0.00

XXXX

48.97%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 || Co Borrower

Borrower - ["2025","2026"] - 2025, 2026 || Co Borrower

XXXX

740

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Patriot Act Disclosure

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

77681.65

9.7

77681.65

9.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10151723

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10665.0

01/30/2026

6.140%

Manual Underwriting

6.860%

6.750%

$2,853.83

$11,037.72

$919.81

$2,444.04

$203.67

$0.00

$3,977.31

$17,129.69

N/A

XXXX

$0.00

XXXX

19.00%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

809

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

50584.26

12.7

50584.26

12.7

80.0

N/A

Borrower As Individual

N/A

XXXX

10151725

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

4364.8

01/27/2026

6.140%

Manual Underwriting

6.789%

6.625%

$2,305.12

$6,359.40

$529.95

$3,025.92

$252.16

$114.96

$9.58

$0.00

$3,096.81

$22,082.53

N/A

XXXX

$9.58

XXXX

Annually

15.19%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 || Co Borrower

Borrower - ["2024","2025"] - 2024, 2025 || Co Borrower

XXXX

721

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

24128.56

7.8

62.07

N/A

Borrower As Individual

N/A

XXXX

10151726

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

3865.0

01/30/2026

6.140%

Manual Underwriting

7.376%

6.875%

$656.93

$3,489.48

$290.79

$3,561.96

$296.83

$0.00

$1,244.55

$63,094.79

N/A

XXXX

$0.00

XXXX

5.21%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

775

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

86833.37

69.8

22.52

N/A

Borrower As Individual

N/A

XXXX

10151727

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9056.36

01/20/2026

6.060%

Manual Underwriting

6.606%

6.375%

$3,294.03

$9,260.04

$771.67

$2,015.04

$167.92

$125.04

$10.42

$0.00

$4,244.04

$7,329.96

N/A

XXXX

$10.42

XXXX

Annually

43.36%

40.61%

Self-Employed

1YR Business P&L

N/A

99.66%

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 - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

58766.40

13.9

58766.40

13.9

80.0

N/A

Borrower As Individual

N/A

XXXX

10151728

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

30414.29

01/08/2026

6.190%

Manual Underwriting

7.055%

6.750%

$4,245.07

$2,680.56

$223.38

$1,893.60

$157.80

$0.00

$4,626.25

$32,577.02

N/A

XXXX

$0.00

XXXX

13.74%

13.73%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025

Borrower - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

759

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

78751.07

17.0

78751.07

17.0

85.0

N/A

Borrower As Individual

N/A

XXXX

10151729

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

7357.5

02/02/2026

6.100%

Manual Underwriting

8.572%

8.125%

$1,483.51

$948.36

$79.03

$828.00

$69.00

$924.00

$77.00

$0.00

$1,708.54

$5,722.93

N/A

XXXX

$77.00

XXXX

Monthly

42.33%

40.96%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SEPartnership, SEPartnership, SESoleProprietor, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026

XXXX

784

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

80696.32

47.2

80696.32

47.2

90.0

N/A

Borrower As Individual

N/A

XXXX

10151730

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

17025.0

01/27/2026

6.140%

Manual Underwriting

6.373%

6.250%

$9,334.27

$2,762.40

$230.20

$2,841.12

$236.76

$540.00

$45.00

$0.00

$9,846.23

$24,628.77

N/A

XXXX

$45.00

XXXX

Monthly

31.92%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

100.00%

Stocks/Bonds

N/A

Borrower - Seasonal Employment, Retirement, Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

804

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

296671.66

30.1

296671.66

30.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10151734

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7288.0

01/28/2026

6.140%

Manual Underwriting

6.684%

6.625%

$3,081.18

$7,249.32

$604.11

$4,510.92

$375.91

$0.00

$4,061.20

$8,123.36

N/A

XXXX

$0.00

XXXX

36.77%

33.87%

Self-Employed

24 Month Bank Statement

N/A

Yes

92.11%

50.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

782

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

116386.47

28.7

116386.47

28.7

68.06

N/A

Borrower As Individual

N/A

XXXX

10151735

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/27/2026

6.140%

Manual Underwriting

7.031%

7.000%

$9,048.11

$20,093.76

$1,674.48

$9,868.56

$822.38

$0.00

$11,544.97

$16,998.83

N/A

XXXX

$0.00

XXXX

55.55%

41.88%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

Missing

0.00%

N/A

Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - ["2025"] - 2025

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

761

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1321180.41

126.7

1321180.41

126.7

77.71

N/A

Borrower As Individual

N/A

XXXX

10151736

XXXX

ATR/QM: Exempt

Yes

N/A

Client Affirms Non-QM Status

Manual Underwriting

6.750%

$5,869.81

$15,742.08

$1,311.84

$1,915.08

$159.59

$768.00

$64.00

$0.00

$7,405.24

$23,777.42

N/A

XXXX

$64.00

XXXX

Monthly

36.93%

Yes

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2023","2024"] - 2025, 2023, 2024

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2023","2024"] - 2025, 2023, 2024

XXXX

786

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

473302.11

63.9

473302.11

63.9

66.79

N/A

Yes

Borrower As Individual

N/A

XXXX

10151737

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8320.0

01/22/2026

6.060%

Manual Underwriting

7.494%

7.375%

$4,931.28

$16,981.20

$1,415.10

$4,201.68

$350.14

$0.00

$6,696.52

$56,910.78

N/A

XXXX

$0.00

XXXX

27.14%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

646

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

29386.22

4.4

119891.60

17.9

56.72

N/A

Borrower As Individual

N/A

XXXX

10151738

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7231.25

01/27/2026

6.140%

Manual Underwriting

8.098%

7.625%

$1,688.09

$4,225.92

$352.16

$442.20

$36.85

$9,000.00

$750.00

$0.00

$2,827.10

$3,696.48

Yes

XXXX

$750.00

XXXX

Monthly

43.63%

43.55%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026

XXXX

796

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

27560.32

9.8

27560.32

9.8

90.0

Yes

Borrower As Individual

N/A

XXXX

10151740

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10747.5

02/03/2026

6.100%

Manual Underwriting

7.532%

7.250%

$2,203.43

$4,899.84

$408.32

$3,071.64

$255.97

$0.00

$2,867.72

$3,622.90

N/A

XXXX

$0.00

XXXX

46.36%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025"] - 2025 || Co Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025 || Co Borrower - ["2025"] - 2025

XXXX

736

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

10921.20

3.8

10921.20

3.8

85.0

Yes

Borrower As Individual

N/A

XXXX

10151746

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9785.0

01/30/2026

6.140%

Manual Underwriting

6.480%

6.375%

$2,339.51

$5,916.00

$493.00

$6,283.08

$523.59

$648.00

$54.00

$0.00

$3,410.10

$8,164.31

N/A

XXXX

$54.00

XXXX

Monthly

36.61%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp - Personal Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

747

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

166573.51

48.9

166573.51

48.9

55.56

N/A

Borrower As Individual

N/A

XXXX

10151747

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.375%

$1,312.28

$4,421.52

$368.46

$1,739.04

$144.92

$1,380.00

$115.00

$0.00

$1,940.66

$23,823.68

N/A

XXXX

$115.00

XXXX

Monthly

33.07%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

737

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

188661.77

97.2

18.91

N/A

Yes

Borrower As Individual

N/A

XXXX

10151748

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

4565.0

01/29/2026

6.140%

Manual Underwriting

6.991%

6.750%

$1,167.48

$1,701.00

$141.75

$419.04

$34.92

$3,420.00

$285.00

$0.00

$1,629.15

$10,336.37

N/A

XXXX

$285.00

XXXX

Monthly

17.37%

Retired

1YR Full Doc

N/A

Yes

0.00%

N/A

Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2026","2025"] - 2026, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025

XXXX

817

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

42881.09

26.3

42881.09

26.3

54.71

N/A

Borrower As Individual

N/A

XXXX

10151749

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$4,692.45

$10,964.04

$913.67

$1,160.88

$96.74

$3,948.00

$329.00

$0.00

$6,031.86

$62,122.90

Yes

XXXX

$329.00

XXXX

Monthly

36.72%

36.38%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

729

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

567111.23

94.0

567111.23

94.0

70.0

Yes

Borrower As Individual

N/A

XXXX

10151753

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

17582.0

01/28/2026

6.140%

Manual Underwriting

6.569%

6.500%

$5,708.20

$14,135.04

$1,177.92

$1,460.52

$121.71

$0.00

$7,007.83

$7,407.00

N/A

XXXX

$0.00

XXXX

48.82%

Self-Employed

1099 Verified

1 YR 1099

N/A

Yes

0.00%

N/A

Borrower - Other - 1 YR 1099 Verified, 1 YR Executed 4506T Verified - ["2025"] - 2025

Borrower - 1 YR Executed 4506T Verified - ["2025"] - 2025

XXXX

776

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

253497.52

36.2

39.8

N/A

Borrower As Individual

N/A

XXXX

10151754

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15163.0

01/29/2026

6.140%

Manual Underwriting

6.577%

6.500%

$3,792.41

$1,362.00

$113.50

$1,839.00

$153.25

$0.00

$4,059.16

$59,142.51

N/A

XXXX

$0.00

XXXX

10.90%

10.89%

Yes

Retired

Not Employed

1YR Full Doc

N/A

Yes

0.00%

N/A

Borrower - Retirement, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 || Co Borrower - 3 YRS Executed 4506T Verified

XXXX

812

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

2389458.84

588.7

2983399.50

735.0

48.98

N/A

Borrower As Individual

N/A

Wofford Family Trust Dated May 25, 2010

XXXX

10151756

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9547.34

01/30/2026

6.140%

Manual Underwriting

6.611%

6.250%

$1,901.95

$5,186.76

$432.23

$2,346.00

$195.50

$825.00

$68.75

$0.00

$2,598.43

$3,301.84

N/A

XXXX

$68.75

XXXX

Annually

47.59%

47.57%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

663

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

9100.61

3.5

2258.58

0.9

63.18

N/A

Borrower As Individual

N/A

XXXX

10151757

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14463.5

01/28/2026

6.140%

Manual Underwriting

6.738%

6.625%

$5,922.88

$18,315.84

$1,526.32

$1,632.00

$136.00

$11,736.00

$978.00

$0.00

$8,563.20

$15,045.61

Yes

XXXX

$978.00

XXXX

Monthly

63.38%

36.38%

Self-Employed

2YR Full Doc

2 YRS W2

N/A

Yes

0.00%

100.00%

Audited

Accountant/Bookkeeper

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 2 YRS W2 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023

XXXX

818

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

193675.28

22.6

193675.28

22.6

60.66

Borrower As Individual

N/A

XXXX

10151760

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

15715.85

01/30/2026

6.140%

Manual Underwriting

7.585%

7.250%

$4,459.05

$9,564.60

$797.05

$1,557.96

$129.83

$2,424.00

$202.00

$0.00

$5,587.93

$49,880.16

N/A

XXXX

$202.00

XXXX

Monthly

12.49%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026

Borrower - ["2025","2026"] - 2025, 2026

XXXX

710

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

82893.77

14.8

82893.77

14.8

85.0

Yes

Borrower As Individual

N/A

XXXX

10151763

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8065.0

01/26/2026

6.140%

Manual Underwriting

6.890%

6.750%

$2,010.65

$1,467.36

$122.28

$1,011.96

$84.33

$300.00

$25.00

$0.00

$2,242.26

$12,789.90

N/A

XXXX

$25.00

XXXX

Annually

27.12%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

756

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

79313.60

35.4

64.58

N/A

Borrower As Individual

N/A

XXXX

10151765

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

19857.29

01/27/2026

6.140%

Manual Underwriting

6.781%

6.750%

$6,337.78

$13,325.40

$1,110.45

$10,284.00

$857.00

$0.00

$8,305.23

$36,279.77

N/A

XXXX

$0.00

XXXX

20.40%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

759

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

54772.35

6.6

54772.35

6.6

76.64

N/A

Borrower As Individual

N/A

XXXX

10151766

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

2365.0

01/30/2026

6.140%

Manual Underwriting

6.165%

6.125%

$6,790.11

$10,636.92

$886.41

$2,183.04

$181.92

$3,204.00

$267.00

$0.00

$8,125.44

$16,397.65

N/A

XXXX

$267.00

XXXX

Monthly

35.34%

35.35%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

714

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

420434.01

68.7

420434.01

68.7

46.91

N/A

Borrower As Individual

N/A

XXXX

10151767

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

35065.0

01/30/2026

6.140%

Manual Underwriting

6.978%

6.750%

$10,766.73

$26,562.72

$2,213.56

$8,657.88

$721.49

$7,920.00

$660.00

$0.00

$14,361.78

$18,658.52

N/A

XXXX

$660.00

XXXX

Monthly

47.15%

Employed

Self-Employed

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

49.57%

0.00%

100.00%

N/A

Yes

231

FNMA 1005

N/A

Borrower - Wage, Overtime - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 || Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025

Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025

XXXX

751

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

25445.09

1.8

201587.62

14.0

66.4

N/A

Borrower As Individual

N/A

XXXX

10151770

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8060.0

01/28/2026

6.140%

Manual Underwriting

6.644%

6.375%

$3,244.12

$8,928.36

$744.03

$1,105.20

$92.10

$7,425.00

$618.75

$0.00

$4,699.00

$7,832.48

Yes

XXXX

$618.75

XXXX

Monthly

49.07%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

Stocks/Bonds

N/A

Yes

Work Number

Yes

Work Number

N/A

Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

740

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

201920.99

43.0

201920.99

43.0

63.41

Yes

Borrower As Individual

N/A

XXXX

10151771

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$5,681.82

$7,773.48

$647.79

$2,820.48

$235.04

$0.00

$6,564.65

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Not Employed

Asset Utilization (No DTI)

N/A

Yes

N/A

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - N/A, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified - []

Borrower - 3 YRS Executed 4506T Verified - []

XXXX

823

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1924629.96

375.7

2526511.55

493.2

64.91

N/A

Yes

Borrower As Individual

N/A

The MITA Living Trust

XXXX

10151773

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

8.250%

$999.18

$4,431.48

$369.29

$3,398.16

$283.18

$0.00

$1,651.65

$114,958.19

N/A

XXXX

$0.00

XXXX

13.01%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024

Borrower - ["2025","2024"] - 2025, 2024

XXXX

669

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

381470.16

231.0

381470.16

231.0

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151774

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

13048.31

01/26/2026

6.140%

Manual Underwriting

7.309%

7.125%

$5,918.62

$13,910.88

$1,159.24

$780.12

$65.01

$11,580.00

$965.00

$0.00

$8,107.87

$80,133.01

Yes

XXXX

$965.00

XXXX

Monthly

15.54%

Self-Employed

Other

N/A

Yes

0.00%

50.00%

N/A

Yes

N/A

Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025

XXXX

695

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

21895.62

2.7

50593.04

6.2

74.14

Yes

Borrower As Individual

N/A

Phillip and Lisa Sapon Trust agreement

XXXX

10151776

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9012.97

01/29/2026

6.140%

Manual Underwriting

6.954%

6.750%

$4,121.03

$11,362.68

$946.89

$2,712.60

$226.05

$3,276.00

$273.00

$0.00

$5,566.97

$10,448.61

N/A

XXXX

$273.00

XXXX

Monthly

43.60%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

757

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

167874.57

30.2

176160.95

31.6

85.0

N/A

Borrower As Individual

N/A

XXXX

10151691

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,498.26

$2,849.28

$237.44

$2,406.96

$200.58

$0.00

$1,936.28

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.214

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

688

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

118486.96

61.2

55.8

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151693

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,412.78

$4,455.00

$371.25

$2,771.16

$230.93

$0.00

$3,014.96

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.287

1.28

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

774

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

359694.82

119.3

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151694

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,847.66

$2,870.88

$239.24

$909.00

$75.75

$0.00

$2,162.65

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.156

1.15

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

778

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

34236.74

15.8

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151697

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$1,695.23

$3,510.72

$292.56

$831.00

$69.25

$0.00

$2,057.04

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.313

1.31

N/A

XXXX

786

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

327394.44

159.2

25031.00

12.2

48.95

N/A

Yes

Borrower As Individual

N/A

XXXX

10151704

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,818.48

$5,804.28

$483.69

$3,577.68

$298.14

$0.00

$2,600.31

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.365

1.21

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

803

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

23455.32

9.0

23455.32

9.0

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151705

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$984.38

$353.28

$29.44

$519.00

$43.25

$0.00

$1,057.07

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.135

1.13

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

748

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

171807.78

162.5

61.4

N/A

Yes

Borrower As Individual

N/A

XXXX

10151708

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,303.99

$4,581.84

$381.82

$2,027.64

$168.97

$0.00

$1,854.78

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.051

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

710

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

183863.73

99.1

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151709

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,426.92

$758.16

$63.18

$765.00

$63.75

$0.00

$1,553.85

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.158

1.15

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

748

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

216144.57

139.1

68.75

N/A

Yes

Borrower As Individual

N/A

XXXX

10151710

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$1,880.40

$4,415.64

$367.97

$3,195.36

$266.28

$182.04

$15.17

$0.00

$2,529.82

N/A

XXXX

$15.17

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.33

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

790

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

291141.74

115.1

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151712

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$2,281.99

$5,999.04

$499.92

$1,859.04

$154.92

$0.00

$2,936.83

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.09

1.08

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

667

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

355191.96

120.9

355191.96

120.9

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151713

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$3,518.64

$8,660.88

$721.74

$11,066.04

$922.17

$0.00

$5,162.55

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.031

1.03

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

707

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

389310.38

75.4

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151718

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$1,539.29

$5,835.60

$486.30

$1,608.96

$134.08

$0.00

$2,159.67

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.158

1.15

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

779

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

21777.96

10.1

21777.96

10.1

55.68

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151724

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,167.87

$3,699.96

$308.33

$804.96

$67.08

$0.00

$2,543.28

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.274

1.27

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

757

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

148411.86

58.4

74.83

N/A

Yes

Borrower As Individual

N/A

The Edward P Matthews and Beth Joy Matthews Revocable Living Trust, dated April 8, 2018

XXXX

10151731

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$3,735.42

$16,372.92

$1,364.41

$3,762.84

$313.57

$0.00

$5,413.40

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.172

1.01

N/A

XXXX

717

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Employment Authorization Card [I-766]

USA Patriot Act

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

135364.53

25.0

135364.53

25.0

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151733

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$6,819.68

$6,681.48

$556.79

$3,684.96

$307.08

$2,700.00

$225.00

$0.00

$7,908.55

N/A

XXXX

$225.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.201

1.2

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

769

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

376919.02

47.7

376919.02

47.7

55.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151739

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,762.43

$1,485.36

$123.78

$1,365.12

$113.76

$0.00

$1,999.97

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

719

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

174447.22

87.2

62.78

N/A

Yes

Borrower As Individual

N/A

XXXX

10151741

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,629.18

$3,201.12

$266.76

$1,386.36

$115.53

$324.96

$27.08

$0.00

$2,038.55

N/A

XXXX

$27.08

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.141

1.14

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

714

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

61882.16

30.4

61882.16

30.4

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151742

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,727.24

$1,114.80

$92.90

$546.96

$45.58

$0.00

$1,865.72

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.233

1.2

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

753

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

263757.59

141.4

65.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151744

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,675.56

$6,770.88

$564.24

$2,010.00

$167.50

$0.00

$3,407.30

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.291

1.29

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

751

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

.00

0.0

98460.02

28.9

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151750

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,811.18

$1,169.64

$97.47

$948.00

$79.00

$0.00

$1,987.65

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.057

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

692

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

49952.26

25.1

49952.26

25.1

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151751

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,147.98

$1,844.16

$153.68

$1,166.04

$97.17

$0.00

$1,398.83

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.001

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

736

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

96809.41

69.2

96809.41

69.2

72.81

N/A

Yes

Borrower As Individual

N/A

XXXX

10151752

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,608.42

$7,275.12

$606.26

$1,235.76

$102.98

$3,324.00

$277.00

$0.00

$2,594.66

N/A

XXXX

$277.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.064

1.06

N/A

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

XXXX

724

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

109997.54

42.4

109997.54

42.4

60.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151755

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$5,550.43

$15,213.72

$1,267.81

$1,581.00

$131.75

$0.00

$6,949.99

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.0

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

777

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

969958.52

139.6

25.62

N/A

Yes

Borrower As Individual

N/A

Leann Stroy Revocable Trust

XXXX

10151758

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,997.68

$4,353.48

$362.79

$665.04

$55.42

$180.00

$15.00

$0.00

$2,430.89

N/A

XXXX

$15.00

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.088

1.06

N/A

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

XXXX

758

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

301973.13

124.2

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151759

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$3,645.66

$11,764.56

$980.38

$2,572.20

$214.35

$0.00

$4,840.39

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.641

1.64

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

781

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

27771.06

5.7

54.95

N/A

Yes

Borrower As Individual

N/A

The Irma Aldama Armstrong Trust

XXXX

10151761

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,689.62

$4,003.68

$333.64

$1,591.08

$132.59

$0.00

$2,155.85

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.258

1.2

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

721

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

89523.69

41.5

89523.69

41.5

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10151764

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$1,653.26

$2,387.52

$198.96

$1,428.96

$119.08

$0.00

$1,971.30

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.217

1.25

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

764

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

11615.49

5.9

11615.49

5.9

73.61

N/A

Yes

Borrower As Individual

N/A

XXXX

10151769

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$4,875.00

$3,406.08

$283.84

$3,006.96

$250.58

$0.00

$5,409.42

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.054

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

681

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

876026.24

161.9

45.92

N/A

Yes

Borrower As Individual

N/A

Macinnes Family 2009 Revocable Trust

XXXX

10151772

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$1,093.70

$1,305.84

$108.82

$1,297.80

$108.15

$3,192.00

$266.00

$0.00

$1,576.67

N/A

XXXX

$266.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.015

1.01

N/A

XXXX

749

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

157872.74

100.1

157872.74

100.1

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10151777

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,432.24

$6,279.12

$523.26

$1,596.12

$133.01

$0.00

$3,088.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.104

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

700

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

191662.13

62.1

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155932

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11215.0

02/10/2026

6.130%

Manual Underwriting

7.475%

7.125%

$2,519.71

$7,810.44

$650.87

$1,488.84

$124.07

$1,476.00

$123.00

$0.00

$3,417.65

$6,740.57

N/A

XXXX

$123.00

XXXX

Monthly

38.94%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026

Borrower - ["2025","2026"] - 2025, 2026

XXXX

711

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

12438.58

3.6

12438.58

3.6

85.0

N/A

Borrower As Individual

N/A

XXXX

10155934

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

20386.84

02/04/2026

6.100%

Manual Underwriting

7.031%

6.750%

$2,801.94

$8,071.20

$672.60

$3,219.00

$268.25

$0.00

$3,742.79

$29,931.95

N/A

XXXX

$0.00

XXXX

22.32%

22.27%

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"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

725

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

88376.18

23.6

88376.18

23.6

80.0

N/A

Borrower As Individual

N/A

XXXX

10155944

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11235.0

02/04/2026

6.100%

Manual Underwriting

6.593%

6.375%

$3,668.36

$8,486.16

$707.18

$4,999.92

$416.66

$0.00

$4,792.20

$28,577.29

N/A

XXXX

$0.00

XXXX

14.46%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

89.07%

99.00%

N/A

Borrower - SEPartnership, 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, Lease Agreements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025

XXXX

812

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

34500.34

7.2

34500.34

7.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10155945

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

3319.4

02/04/2026

6.100%

Manual Underwriting

7.082%

7.000%

$4,790.18

$13,278.48

$1,106.54

$1,598.04

$133.17

$0.00

$6,029.89

$39,428.16

N/A

XXXX

$0.00

XXXX

30.36%

30.31%

4 - Verified 2+ Mos

3 - Stated, Partially Verified

3 - Stated, 3rd Party Verification

Employed

Self-Employed

25.90

12 Month Bank Statement

2 YRS W2

1 Month

N/A

Yes

89.89%

0.00%

51.00%

N/A

Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 || Co Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower 2 - SEPartnership - Business Bank Statements Verified - ["2025"] - 2025

Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 || Co Borrower - ["2025"] - 2025 || Co Borrower 2 - ["2025"] - 2025

XXXX

797

803

795

809

803

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

49130.33

8.2

49130.33

8.2

80.0

N/A

Borrower As Individual

N/A

XXXX

10155947

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$5,659.24

$16,901.88

$1,408.49

$3,572.04

$297.67

$0.00

$7,365.40

$71,605.31

N/A

XXXX

$0.00

XXXX

33.78%

33.79%

Yes

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower

Borrower - ["2025"] - 2025 || Co Borrower

XXXX

713

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

102476.57

13.9

930182.25

126.3

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10155953

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7765.0

02/06/2026

6.100%

Manual Underwriting

7.621%

7.250%

$2,012.42

$4,395.00

$366.25

$2,416.20

$201.35

$0.00

$2,580.02

$5,033.41

N/A

XXXX

$0.00

XXXX

35.15%

34.58%

Self-Employed

12 Month Bank Statement

N/A

Yes

98.36%

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026

XXXX

712

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Other

IDENTIFICATION CARD

XXXX

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

16799.72

6.5

19198.56

7.4

78.46

N/A

Borrower As Individual

N/A

XXXX

10155956

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

02/06/2026

6.100%

Manual Underwriting

7.340%

7.250%

$5,627.20

$4,322.40

$360.20

$7,297.44

$608.12

$609.96

$50.83

$0.00

$6,646.35

$101,074.78

N/A

XXXX

$50.83

XXXX

Annually

11.74%

Yes

Retired

Not Employed

1YR Full Doc

N/A

Yes

N/A

0.00%

N/A

Borrower - Retirement - 2 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 || Co Borrower - 2 YRS Executed 4506T Verified

Borrower - 2 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 || Co Borrower - 2 YRS Executed 4506T Verified

XXXX

809

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

206642.67

31.1

206642.67

31.1

74.99

N/A

Borrower As Individual

N/A

XXXX

10155962

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9083.09

02/04/2026

6.100%

Manual Underwriting

8.978%

8.375%

$1,573.35

$1,215.24

$101.27

$1,320.96

$110.08

$0.00

$1,784.70

$4,584.67

N/A

XXXX

$0.00

XXXX

44.98%

Employed

2YR Full Doc

2 YRS W2

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage, 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"] - 2023, 2024, 2025

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025

XXXX

720

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

197601.34

110.7

197601.34

110.7

90.0

N/A

Borrower As Individual

N/A

XXXX

10155967

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

26747.81

02/04/2026

6.100%

Manual Underwriting

6.660%

6.375%

$6,290.17

$7,107.60

$592.30

$6,452.04

$537.67

$720.00

$60.00

$0.00

$7,480.14

$34,867.01

N/A

XXXX

$60.00

XXXX

Annually

21.81%

Self-Employed

24 Month Bank Statement

N/A

Yes

100.00%

70.00%

N/A

Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

707

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

72155.54

9.6

73444.59

9.8

77.56

N/A

Borrower As Individual

N/A

XXXX

10155971

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

16755.95

01/30/2026

6.140%

Manual Underwriting

6.809%

6.750%

$4,442.90

$12,728.28

$1,060.69

$1,989.96

$165.83

$1,530.00

$127.50

$0.00

$5,796.92

$6,564.35

N/A

XXXX

$127.50

XXXX

Monthly

48.81%

Self-Employed

12 Month Bank Statement

1 YR W2

2+ Months

N/A

Yes

28.91%

100.00%

N/A

Borrower - Wage, Bonus, SESoleProprietor - 1 YR W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025

XXXX

682

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

5300.38

0.9

18483.54

3.2

58.3

N/A

Borrower As Individual

N/A

XXXX

10155976

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10925.89

01/29/2026

6.140%

Manual Underwriting

6.860%

6.625%

$3,072.98

$8,273.28

$689.44

$1,215.00

$101.25

$17,367.96

$1,447.33

$0.00

$5,311.00

$19,776.33

Yes

XXXX

$1,447.33

XXXX

Monthly

34.52%

Self-Employed

Retired

2YR Full Doc

1 YR 1099

N/A

Yes

N/A

0.00%

100.00%

N/A

Borrower - SESCorp, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 1 YR 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023 || Co Borrower - SSI and Disability - 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023

Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023 || Co Borrower - 2 YRS Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023

XXXX

766

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

49190.90

9.3

49190.90

9.3

80.0

Yes

Borrower As Individual

N/A

XXXX

10155980

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

6.875%

$6,276.95

$13,785.96

$1,148.83

$2,480.04

$206.67

$0.00

$7,632.45

$23,807.89

N/A

XXXX

$0.00

XXXX

40.86%

40.98%

Yes

Employed

Not Employed

1YR Full Doc

N/A

Yes

N/A

0.00%

N/A

Borrower - Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - []

Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 || Co Borrower - []

XXXX

785

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

427449.74

56.0

427449.74

56.0

70.0

N/A

Yes

Borrower As Individual

N/A

Trustee of The Aldo A. Albertoni JR. Lisa A. Albertoni

XXXX

10155988

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

13175.0

02/06/2026

6.100%

Manual Underwriting

6.517%

6.250%

$3,250.99

$10,421.52

$868.46

$6,245.04

$520.42

$0.00

$4,639.87

$17,181.94

N/A

XXXX

$0.00

XXXX

21.12%

21.26%

Employed

2YR Full Doc

1 YR W2

1 Month

N/A

Yes

0.00%

N/A

Yes

116

Work Number

N/A

Borrower - Wage, Bonus - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026

XXXX

773

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

511327.22

110.2

44.37

N/A

Borrower As Individual

N/A

XXXX

10155990

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

6827.5

02/06/2026

6.100%

Manual Underwriting

6.815%

6.375%

$1,076.18

$5,464.32

$455.36

$1,340.52

$111.71

$350.04

$29.17

$0.00

$1,672.42

$12,409.48

N/A

XXXX

$29.17

XXXX

Annually

36.23%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

25.00%

Stocks/Bonds

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

769

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

145269.06

86.9

145269.06

86.9

75.0

N/A

Borrower As Individual

N/A

XXXX

10155995

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7669.59

02/06/2026

6.100%

Manual Underwriting

7.120%

6.750%

$1,818.77

$4,134.00

$344.50

$846.12

$70.51

$756.00

$63.00

$0.00

$2,296.78

$4,323.94

N/A

XXXX

$63.00

XXXX

Monthly

39.80%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025

Borrower - ["2024","2025"] - 2024, 2025

XXXX

783

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

12190.50

5.3

12190.50

5.3

85.0

N/A

Borrower As Individual

N/A

XXXX

10155996

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

21865.0

01/16/2026

6.170%

Manual Underwriting

6.638%

6.625%

$10,693.19

$24,479.16

$2,039.93

$670.20

$55.85

$10,800.00

$900.00

$0.00

$13,688.97

$29,352.64

N/A

XXXX

$900.00

XXXX

Monthly

35.18%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

Stocks/Bonds

N/A

Borrower - SEPartnership - Business Bank Statements Verified - ["2025"] - 2025 || Co Borrower - SEPartnership - Business Bank Statements Verified - ["2025"] - 2025

Borrower - ["2025"] - 2025 || Co Borrower - ["2025"] - 2025

XXXX

769

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

50176.57

3.7

535857.48

39.2

73.41

N/A

Borrower As Individual

N/A

XXXX

10156002

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

27185.64

02/03/2026

6.100%

Manual Underwriting

7.449%

7.375%

$7,404.04

$6,204.00

$517.00

$1,578.60

$131.55

$588.00

$49.00

$0.00

$8,101.59

$12,681.46

N/A

XXXX

$49.00

XXXX

Monthly

46.93%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026

Borrower - ["2025","2026"] - 2025, 2026

XXXX

662

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

179205.70

22.1

179205.70

22.1

80.0

N/A

Borrower As Individual

N/A

XXXX

10156003

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

14695.0

02/03/2026

6.100%

Manual Underwriting

6.278%

6.250%

$6,157.17

$20,210.52

$1,684.21

$2,506.68

$208.89

$2,760.00

$230.00

$0.00

$8,280.27

$10,294.50

N/A

XXXX

$230.00

XXXX

Monthly

44.65%

Self-Employed

Asset Depletion – Debt Ratio Calculation

2 YRS 1099

1 Month

N/A

Yes

60.0

Yes

58.41%

100.00%

N/A

Borrower - SESoleProprietor, Asset Depletion - 2 YRS 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026

XXXX

799

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

I-551 Stamp and Passport

XXXX

Fee Simple

XXXX

N/A

400531.41

48.4

400531.41

48.4

50.0

N/A

Borrower As Individual

N/A

XXXX

10155941

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,798.34

$635.64

$52.97

$603.00

$50.25

$0.00

$1,901.56

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.052

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

748

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

90379.28

47.5

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155942

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

$1,693.22

$5,966.88

$497.24

$1,094.04

$91.17

$3,036.00

$253.00

$0.00

$2,534.63

Yes

XXXX

$253.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.341

1.35

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

709

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

99547.84

39.3

44.0

Yes

Borrower As Individual

N/A

XXXX

10155946

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$2,970.72

$2,629.20

$219.10

$1,266.96

$105.58

$0.00

$3,295.40

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.077

1.07

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

751

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

36338.02

11.0

62.67

N/A

Yes

Borrower As Individual

N/A

Janice Chapman Collins, as Trustee of the 2003 Janice Chapman Collins Trust

XXXX

10155951

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.000%

$1,391.22

$3,379.32

$281.61

$1,292.04

$107.67

$0.00

$1,780.50

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds,Stocks/Bonds

Yes

1.123

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

718

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

95765.44

53.8

95765.44

53.8

80.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155954

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,908.93

$1,464.36

$122.03

$1,500.96

$125.08

$0.00

$2,156.04

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.016

1.01

XXXX

715

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

277790.71

128.8

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155957

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$3,158.34

$7,340.28

$611.69

$2,919.48

$243.29

$0.00

$4,013.32

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.047

1.04

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

748

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

I-151 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

41758.77

10.4

41758.77

10.4

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155961

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$5,372.14

$16,002.36

$1,333.53

$3,834.00

$319.50

$0.00

$7,025.17

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.324

1.32

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

702

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

117446.06

16.7

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155968

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$1,120.02

$7,156.20

$596.35

$1,964.88

$163.74

$365.04

$30.42

$0.00

$1,910.53

N/A

XXXX

$30.42

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.099

1.09

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

800

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

154529.07

80.9

154529.07

80.9

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10155969

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$2,385.48

$6,630.24

$552.52

$3,586.44

$298.87

$0.00

$3,236.87

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.066

1.06

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

670

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

39634.98

12.2

70.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155978

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,586.41

$3,708.48

$309.04

$1,230.48

$102.54

$0.00

$1,997.99

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.054

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

698

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

87903.64

44.0

65.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155989

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$2,983.36

$7,844.76

$653.73

$1,406.88

$117.24

$11,040.00

$920.00

$0.00

$4,674.33

N/A

XXXX

$920.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.476

1.47

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

702

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

99859.14

21.4

43.5

N/A

Yes

Borrower As Individual

N/A

XXXX

10155992

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$2,807.41

$25,933.92

$2,161.16

$2,438.64

$203.22

$0.00

$5,171.79

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.257

1.25

N/A

XXXX

812

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Real ID Driver's License

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1224057.11

236.7

524396.00

101.4

20.36

N/A

Yes

Borrower As Individual

N/A

Trustees of The Jones Family Trust U/D/O October 14, 2004

XXXX

10155993

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$1,608.71

$3,422.76

$285.23

$501.96

$41.83

$1,368.00

$114.00

$0.00

$2,049.77

N/A

XXXX

$114.00

XXXX

Monthly

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

725

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

127531.55

62.2

127531.55

62.2

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155999

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$3,580.42

$11,565.96

$963.83

$1,754.04

$146.17

$0.00

$4,690.42

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.023

1.2

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

803

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

408527.35

87.1

408527.35

87.1

74.91

N/A

Yes

Borrower As Individual

N/A

XXXX

10156001

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,251.56

$4,153.68

$346.14

$1,023.00

$85.25

$0.00

$1,682.95

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.468

1.0

N/A

XXXX

731

XXXX

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

38910.55

23.1

38910.55

23.1

50.0

N/A

Yes

Borrower As Individual

N/A

XXXX

10155936

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$2,360.10

$5,303.04

$441.92

$3,366.96

$280.58

$0.00

$3,082.60

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.038

1.03

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

651

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

211095.87

68.5

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10155937

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$1,228.52

$3,288.60

$274.05

$1,485.72

$123.81

$0.00

$1,626.38

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.291

1.29

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

658

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Other

Patriot Act Disclosure Borrower Identification

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

Yes

N/A

.00

0.0

88559.72

54.5

67.32

N/A

Yes

Member on Behalf of Entity

N/A

XXXX

10155983

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$1,764.68

$2,085.24

$173.77

$1,041.00

$86.75

$360.00

$30.00

$0.00

$2,055.20

N/A

XXXX

$30.00

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.216

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

645

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

11193.05

5.5

70.0

N/A

Yes

Borrower As Individual

N/A