Exhibit 99.2

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

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

DESCRIPTION OF SERVICES:

(1) Type of assets that were reviewed.

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Santander Bank N.A. (the “Client”). The review was conducted between December 04, 2025 and May 08, 2026 via files imaged and provided for review (the “Review”).

(2) Sample size of the assets reviewed.

This Review consisted of 100% of the loan population.

FINAL SECURITIZATION POPULATION

Selene was instructed to perform a review on a population totaling 30 Non-QM loans and 19 ATR-QM exempt loans for a total of 49 loans the “Final Securitization Population”.

Credit Reviews (49):

During the Review, Selene performed a credit review on 49 mortgage loans in the Final Securitization Population.

Compliance Review (49)

During the Review, Selene performed a compliance review when applicable on 49 mortgage loans in the Final Securitization Population.

Valuation Reviews (49):

During the Review, Selene performed a property valuation review on 49 mortgage loans in the Final Securitization Population.

Data Integrity Review (49):

During the Review, Selene performed a Data Integrity Review on 49 mortgage loans in the Final Securitization Population.

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FINAL SECURITIZATION POPULATION

After Selene’s initial review was completed, the Client provided Selene with a confirmed list of 49 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

Review	Reviewed Total	% of Final Securitization Population
Credit Population	49	100%
Compliance Population	49	100%
Valuation Population	49	100%
Data Integrity Population	49	100%

(3) Determination of the sample size and computation.

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

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

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

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

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

GUIDELINES

Kind Lending Non-Agency Program Guidelines (collectively the “Guidelines”)

LOAN GRADING

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

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SCOPE OF REVIEW

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

CREDIT REVIEW

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

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

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

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

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

COMPLIANCE REVIEW

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

PROPERTY VALUATION REVIEW

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

Original Appraisal Assessment

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

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Value Supported Analysis

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

DATA INTEGRITY REVIEW

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

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

Tape data is uploaded into the application;

Loan Reviewer collects validated loan data;

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

Discrepancies found during comparison are stored and reported.

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

SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 49 mortgage loans, (ii) a Compliance Review on 49 mortgage loans (iii) a Valuation Review on 49 mortgage loans, and (iv) a Data Integrity Review on 49 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

REVIEW RESULTS SUMMARY

After review of the 49 mortgage loans; 44 mortgage loans had a rating grade of A, 5 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

Grades per loan (49 overall loans):

	INITIAL RA GRADES - OVERALL		FINAL RA GRADES - OVERALL
NRSRO Grade	S&P	%	NRSRO Grade	S&P	%
A	5	10.20%	A	44	89.80%
B	0	0.00%	B	5	10.20%
C	11	22.45%	C	0	0.00%
D	33	67.35%	D	0	0.00%

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

	FINAL RA GRADES - COMPLIANCE			FINAL RA GRADES - CREDIT
NRSRO Grade	S&P	%	NRSRO Grade	S&P	%
A	48	97.96%	A	45	91.84%
B	1	2.04%	B	4	8.16%
C	0	0.00%	C	0	0.00%
D	0	0.00%	D	0	0.00%


	FINAL RA GRADES - PROPERTY
NRSRO Grade	S&P	%
A	49	100.00%
B	0	0.00%
C	0	0.00%
D	0	0.00%

REVIEW RESULTS SUMMARY (EXCEPTION LISTING)

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

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

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

THIRD PARTY REVIEW REPORTING DELIVERED

Selene furnished the following reports on this transaction:

Selene Due Diligence Narrative Report

ASF Report

Grading Summary

Exception Detail

Tape Discrepancies

Valuations Report

Supplemental Data

Third Party (TPR) Attestation Form

Attestation Form 15E

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APPENDIX A – CREDIT REVIEW SCOPE

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

Credit Application

For the Credit Application, Selene verified whether:

The application is signed by all listed borrowers;

The application is substantially filled out; and

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

Credit Report

Selene verified:

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

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

Note the Real Estate Owned and fraud alerts; and

Gather data required for ASF Report submission which may include:

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

Most recent FICO date

Longest Trade Line

Maximum Trade Line

Number of trade lines

Credit Usage Ratio

Employment and Income

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

Verbal or Written VOE’s

Pay stubs

W-2 forms

Tax returns

Financial statements

Award letters

Bank statements

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Asset Review

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

VOD’s

Depository account statements

Stock or security account statements

Gift funds

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

Hazard/Flood insurance

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

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

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

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

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

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

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

Title

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

Fraud

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

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On this Fraud report Selene:

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

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

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

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

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

Addressed all red flag issues.

Additional Review

Selene’s review procedures also included:

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

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

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

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

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

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

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APPENDIX B – COMPLIANCE REVIEW SCOPE

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

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

Rescission (§1026.23):

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

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

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

Tolerances (§§1026.18, 22 and 23):

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

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

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

Higher-priced Mortgage Loan (§1026.35):

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

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

review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

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	ii)	review relevant document to determine if there was dual compensation; and
	iii)	review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

Homeownership counseling (§1026.36):

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

Prohibition on Financing Credit Insurance (§1026.36):

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

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

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

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

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

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

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

	i)	confirm the presence of CD for applications on or after October 3, 2015;
	ii)	confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;
	iii)	confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;
	iv)	confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;
	v)	identify tolerance violations based on the charges disclosed on the initial and interim LE’s, initial CD, and reflected on the final CD; and

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vi)

with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

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

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

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

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

General Ability to Repay

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

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

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

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

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SCHEDULE I

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

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

AL Consumer Credit License- Mortgage Broker License

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

AR Home Loan Protection Act

AZ Mortgage Banker & Broker License-Consumer Lender License

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

CO Consumer Equity Protection Article

CO Consumer Credit Code

DE Licensed Lender License Broker License Lender License

Washington, DC Home Loan Protection Act of 2002

10.

Washington, DC Mortgage Disclosure Act of 2007

11.

FL Fair Lending Act

12.

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

13.

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

14.

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

15.

IN Home Loan Practices Article

16.

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

17.

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

18.

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

19.

MA Mortgage Lender and Broker Regulations

20.

MD Commercial Law amended by Maryland Senate Bill 270

21.

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

22.

MI Consumer Mortgage Protection Act

23.

MN Mortgage Originator and Servicer Licensing Act

24.

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

25.

MO Mortgage Company License

26.

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

27.

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

28.

ND Money Broker License

29.

NE Mortgage Bankers Registration and Licensing Act

30.

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

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31.

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

32.

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

33.

OH Consumer Sales Practices Act

34.

Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

35.

Summit County, OH Consumer Affairs Board Ordinance

36.

Summit County, OH Consumer Protection Ordinance

37.

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

38.

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

39.

PA Consumer Equity Protection Act

40.

RI Home Loan Protection Act and Regulation 3

41.

SD Mortgage Lender License – Mortgage Broker License

42.

TN Home Loan Protection Act

43.

UT Residential Mortgage Practices and Licensing Act

44.

VA Mortgage Lender and Broker Act

45.

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

46.

WV Residential Mortgage Lender, Broker and Servicer Act

47.

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

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

48.

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

49.

CT Abusive Home Lending Practices Act

50.

CT Nonprime Home Loans Statute

51.

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

52.

IL High Risk Home Loan ActL Predatory Lending Database Program

53.

Chicago, IL Predatory Lending Ordinance

54.

Cook County, IL Predatory Lending Ordinance

55.

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

56.

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

57.

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

58.

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

59.

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

60.

NV Unfair Lending Practices Act – Anti Predatory Lending Law

61.

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

62.

NY Banking Law 6-L

63.

NY Banking Law 6-M

64.

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

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65.

Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

66.

RI Providence Ordinance Regarding Predatory Lending (post-amendment)

67.

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

68.

TX Home Loan and High Cost Home Loan Act

69.

UT High Cost Home Loan Act

70.

VT High Rate Loans

71.

VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

72.

WI Responsible High Cost Mortgage Lending Act

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APPENDIX C – VALUATION REVIEW SCOPE

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

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

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

Disclaimer

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

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

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

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

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

SAN 2026-NQM5 Executive Summary – Selene Diligence LLC

Page 16 of 16

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

Loan ID

Seller Loan ID

Investor Loan ID

Original Loan Amount

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

xxxxxx7715

XXXX

xxxxxx1779

XXXX

xxxxxx3247

XXXX

xxxxxx2175

XXXX

xxxxxx5926

XXXX

xxxxxx5247

XXXX

xxxxxx6315

XXXX

xxxxxx6481

XXXX

xxxxxx9112

XXXX

xxxxxx2207

XXXX

xxxxxx5480

XXXX

xxxxxx2113

XXXX

xxxxxx7099

XXXX

xxxxxx5171

XXXX

xxxxxx4043

XXXX

xxxxxx1801

XXXX

xxxxxx1611

XXXX

xxxxxx2691

XXXX

xxxxxx1841

XXXX

xxxxxx2256

XXXX

xxxxxx2039

XXXX

xxxxxx9661

XXXX

xxxxxx5444

XXXX

xxxxxx2684

XXXX

xxxxxx5746

XXXX

xxxxxx6073

XXXX

xxxxxx2014

XXXX

xxxxxx1286

XXXX

xxxxxx9540

XXXX

xxxxxx3427

XXXX

xxxxxx3917

XXXX

xxxxxx3756

XXXX

xxxxxx5744

XXXX

xxxxxx4704

XXXX

xxxxxx4969

XXXX

xxxxxx1844

XXXX

xxxxxx3484

XXXX

xxxxxx0990

XXXX

xxxxxx3078

XXXX

xxxxxx2161

XXXX

xxxxxx7606

XXXX

xxxxxx4271

XXXX

xxxxxx9820

XXXX

xxxxxx5272

XXXX

xxxxxx5683

XXXX

xxxxxx5507

XXXX

xxxxxx3269

XXXX

xxxxxx0102

XXXX

xxxxxx5927

XXXX

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

xxxxxx7715

Closed

2025-12-10 06:50

2025-12-16 04:03

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX provided. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard insurance effective date is XX/XX/XXXX which is after the note date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXXXX-XXXXXXXXX-XXXXXXXX-XX-XXXXXXXXXXXXXX-XXXXX-XX-XXXX (X).XXX

Investment

Refinance

Cash Out - Other

6563878

N/A

XXXX

xxxxxx7715

Closed

2025-12-10 06:27

2025-12-15 01:58

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated XXXX Document uploaded, Qualifying FICO on the XXXX matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX
- Seller-XX/XX/XXXX

Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Page XXXX references the FICO score from an older credit report dated XX/XX/XXXX (page XXX), whereas the Credit Liabilities section reflects the FICO score from the more recent credit report dated XX/XX/XXXX (page XXX). This variance in FICO scores does not impact any GL limits; therefore, no findings are required. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX
- Seller-XX/XX/XXXX

XXXX.XXX

Investment

Refinance

Cash Out - Other

6563533

N/A

XXXX

xxxxxx1779

Closed

2026-01-20 01:04

2026-02-17 08:23

Resolved

1 - Information

Credit

Eligibility

Audited FICO is less than Guideline requirements

Resolved-Audited FICO of XXX is greater than or equal to XXXXXXXXX FICO of XXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received e-mail stating that borrowers own XX XX  can use the higher mid score Updated credit page.  Meets guidelines.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LOE and Seller Certificate - Seller-XX/XX/XXXX

Counter-XXX does not meet guideline requirement of XXX  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Audited FICO of XXX is less than XXXXXXXXX FICO of XXX   - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. UPDATED XXXX - Seller-XX/XX/XXXX

Open-Audited FICO of XXX is less than XXXXXXXXX FICO of XXX Qualifying FICO on the XXXX Page XXX is XXX, but the Qualifying FICO from the Credit Liabilities Page XXX is XXX selected qualifying FICO method as Primary wage earner mid score, Loan program on page XXX shows program Super NonQM as per matrix dated XX/XX/XXXX Min Fico for cash out is XXX as per program Super kind  which is higher than Audited Fico XXX.  Based on matrix requires  score of XXX for LTV of XX%  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LOE and Seller Certificate - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. UPDATED XXXX - Seller-XX/XX/XXXX

XXXX.XXX_XXXXX_
XXX.XXX_XXXXX_
XXXXXXXXXXXXXX_XXXXXX XXXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7173766

N/A

XXXX

xxxxxx1779

Closed

2026-01-20 01:07

2026-01-27 04:19

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-There are uncleared alerts in fraud, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7173773

N/A

XXXX

xxxxxx1779

Closed

2026-01-20 01:07

2026-01-27 04:13

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Photo Identification Type Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received US Patriot Act updated fraud page. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. BX Patriot Act - Seller-XX/XX/XXXX

Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide Borrower X Photo Identification document or Driving License as its missing in file. Patriot Act in file is blank - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. BX Patriot Act - Seller-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received US Patriot Act updated fraud page. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_XXXXXXXXX XXX XXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7173774

N/A

XXXX

xxxxxx1779

Closed

2026-01-20 01:07

2026-01-27 04:13

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Photo Identification Type Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received US Patriot Act updated fraud page. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. BX patriot Act - Seller-XX/XX/XXXX

Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide Borrower X Photo Identification document or Driving License as its missing in file. Patriot Act in file is blank as well - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. BX patriot Act - Seller-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received US Patriot Act updated fraud page. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX_XXXXXXXXX XXX XXXXXXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7173775

N/A

XXXX

xxxxxx3247

Closed

2026-02-11 10:28

2026-02-13 02:39

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a Low alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7562837

N/A

XXXX

xxxxxx2175

Closed

2026-02-24 04:40

2026-04-23 07:36

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan (lock, escrows, interior & exterior appraisal, appraisal disclosure & delivery). - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Compliance Ease findings, which show a pass for state testing & Rate Stack. We have bona fide discount points of -$XXXX.XX that should be excluded. - Seller-XX/XX/XXXX

Open-The loan's (X.XX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)). - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Compliance Ease findings, which show a pass for state testing & Rate Stack. We have bona fide discount points of -$XXXX.XX that should be excluded. - Seller-XX/XX/XXXX

XXXXXXXX (X).XXX_XXXXX_
XXXXXXX XXXX XXXXXXX (X).XXX

Primary Residence

Refinance

Cash Out - Other

7774791

N/A

XXXX

xxxxxx2175

Closed

2026-02-24 03:41

2026-04-23 07:34

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Coverage Amount is less than Required Coverage Amount

Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Insurance with Updated coverage - Seller-XX/XX/XXXX

Counter-The GL X/XX/XXXX X.X.XX.X states hazard insurance should be equal to the lesser of the mortgage UPB, estimated cost to replace the dwelling from the appraisal or RCE from the property insurer or third party. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Counter-Cost new estimate from the appraisal is also greater than the coverage provided.  Provide an insurance policy with increased coverage to meet the loan amount, RCE or cost new on the appraisal. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Provide Hazard insurance policy with sufficient hazard insurance coverage. Hazard insurance coverage is $XXX,XXX less than loan amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Insurance with Updated coverage - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

XXXXXXX - XXXXXXXXX.XXXX_XXXXX_
XXXXXXX - XXXXXXXXX.XXX_XXXXX_
XXXXXXXX XXXXXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7774321

N/A

XXXX

xxxxxx2175

Closed

2026-02-24 03:50

2026-02-27 02:07

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report Provide Third party fraud report. Third party fraud report missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7774404

N/A

XXXX

xxxxxx2175

Closed

2026-02-24 03:32

2026-02-27 02:06

Resolved

1 - Information

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated XXXX Document uploaded, Qualifying XXXX on the XXXX matches the Qualifying XXXX from the Credit Liabilities, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX

Open-Qualifying XXXX on the XXXX Page is 'XXX' or blank, but the Qualifying XXXX from the Credit Liabilities Page is 'XXX' or blank. Qualifying XXXX entries do not match. Please confirm the correct Qualifying XXXX value. Provide an updated XXXX with the qualifying XXXX to reflect the XX XX/XX/XXXX on page XX, X.X.XX for the primary wage earners mid score. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX - XXXXXX-XX/XX/XXXX

XXXX.XXX

Primary Residence

Refinance

Cash Out - Other

7774217

N/A

XXXX

xxxxxx2175

Closed

2026-02-24 04:40

2026-04-23 07:36

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

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

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

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

Primary Residence

Refinance

Cash Out - Other

7774790

N/A

XXXX

xxxxxx5926

Closed

2026-03-24 10:39

2026-04-06 06:26

Resolved

1 - Information

Credit

Missing Doc

Missing final HUD-1 from sale of non-subject property

Resolved-Received hud for sale of prior property. Updated asset page.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Combined settlement statement - XXXXXX-XX/XX/XXXX

Counter-The attached wire is for the close of this property.   What is missing is proof that there prior home has sold and the wired funds for the sale of there prior home   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received copy of wire for sale of prior home Updated asset page.  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Buyer Closing Funds and BCF Wire - XXXXXX-XX/XX/XXXX

Counter-Need the final Hud for the sale of the prior property or copy of the wire proceeds that the borrower received for  the sale of there prior property Hud in file for the sale of the prior residence is not executed.  What is attached is for the subject property.   - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Final SS - XXXXXX-XX/XX/XXXX

Open-Missing the final hud for sale of prior property one on page XX is not signed  - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Combined settlement statement - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Buyer Closing Funds and BCF Wire - XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Final SS - XXXXXX-XX/XX/XXXX

Resolved-Received hud for sale of prior property. Updated asset page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Received copy of wire for sale of prior home Updated asset page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXX_XXXXX XX.XXX_XXXXX_
XXXXX XXXXXXX XXXXX.XXX_XXXXX_
XXX XXXX .XXX_XXXXX_
XXXXX XXXX XXXXXXXX XXXXXXXXXX XXXXXXXXX (X) (X).XXX

Primary Residence

Purchase

8292723

N/A

XXXX

xxxxxx5926

Closed

2026-03-19 23:56

2026-03-24 03:50

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-There are Uncleared alerts in fraud report, provided updated Fraud Report, Updated & condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX

Open-Per the XX XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX

Resolved-There are Uncleared alerts in fraud report, provided updated Fraud Report, Updated & condition Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

8228876

N/A

XXXX

xxxxxx5926

Closed

2026-03-19 23:16

2026-03-23 03:24

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Requested Secondary valuation provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXX XXX - LCA score of X - XXXXXX-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXX XXXX/XXX report with a score less than X.X, or an appraisal desk review.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXX XXX - LCA score of X - XXXXXX-XX/XX/XXXX

XXXXXX_XXXXXXX XXX.XXX

Primary Residence

Purchase

8228679

N/A

XXXX

xxxxxx5926

Closed

2026-03-20 01:45

2026-03-20 05:45

Resolved

1 - Information

Compliance

HigherPriced:APR

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

Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXX-XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX,XXX,XXX The loan passes XXXX guidelines and is a XXXX compliant loan - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Primary Residence

Purchase

8229703

N/A

XXXX

xxxxxx5247

Closed

2026-03-30 05:17

2026-04-21 06:16

Resolved

1 - Information

Credit

DSCR Does Not Meet Guideline Requirements

Resolved-Updated to Low XXXX program received updated approval letter - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated Loan Approval showing Low XXXX - XXXXXX-XX/XX/XXXX

Open-Difference is because of tax amount discrepancy as per XXXX(pg# XXX) tax amount is $XX.XX and as per tax cert (pg#XXX) and title document(pg#XXX) tax amount is $XXX.XXXX. If correct with what we have based on docs then the program will need to be changed to low XXXX program - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated Loan Approval showing Low XXXX - XXXXXX-XX/XX/XXXX

Resolved-Updated to Low XXXX program received updated approval letter - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXX XXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8380688

N/A

XXXX

xxxxxx5247

Closed

2026-03-30 14:02

2026-04-01 07:02

Resolved

1 - Information

Property

Appraisal

Resolved-received complete full appraisal - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Appraisal - XXXXXX-XX/XX/XXXX

Open-Interior photos were not attached to the appraisal in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Appraisal - XXXXXX-XX/XX/XXXX

Resolved-received complete full appraisal - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8392272

N/A

XXXX

xxxxxx5247

Closed

2026-03-30 13:55

2026-03-31 06:24

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Final SS - XXXXXX-XX/XX/XXXX

Open-Final HUD-X Document is Missing. Need the executed final hud one in file is not signed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Final SS - XXXXXX-XX/XX/XXXX

Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXX_XXXXXX XXXXXXXXXX XXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8392191

N/A

XXXX

xxxxxx6481

Closed

2026-04-02 05:34

2026-04-08 07:00

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated third party fraud report provided. Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX

Open-The fraud report in file (page # XXX) is showing X high uncleared alerts. The required clear fraud report is missing from file.
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - XXXXXX-XX/XX/XXXX

Resolved-Updated third party fraud report provided. Resolved
- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

8448417

N/A

XXXX

xxxxxx9112

Closed

2026-04-02 03:27

2026-04-08 02:34

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Per the GL XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page #XXXX) is showing high X uncleared alert. The required cleared Fraud report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Refinance

Cash Out - Other

8446751

N/A

XXXX

xxxxxx9112

Closed

2026-04-02 04:32

2026-04-06 06:30

Waived

2 - Non-Material

Compliance

HigherPriced:APR

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

Waived-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.X%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML guidelines. Finding Waived. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

8447675

Originator Post-Close

XXXX

xxxxxx9112

Closed

2026-04-02 04:32

2026-04-02 06:03

Resolved

1 - Information

Compliance

HigherPriced:APR

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

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

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

8447674

N/A

XXXX

xxxxxx2207

Closed

2026-04-06 04:51

2026-04-09 08:07

Waived

2 - Non-Material

Credit

Doc Issue

Missing asset documentation (ATR)

Waived-Exception is for no documentation for EMD - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception approval - Seller-XX/XX/XXXX

Open-Provide the EMD proof($XXX.XX), it is not available in the file Based on XXXX exception was approved and it is not in file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception approval - Seller-XX/XX/XXXX

Waived-Exception is for no documentation for EMD - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXX.XXX

XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.
$XX,XXX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $X,XXX XXXXXXX XXX XXXXXXX XX X XXXXXX XXXX XXX XXXXXXXX XXXXXXX.
XXXX XXXXX XX X.XX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XX XXXXXX.

Investment

Purchase

8495675

Originator Pre-Close

Yes

XXXX

xxxxxx2207

Closed

2026-04-06 04:49

2026-04-09 03:12

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-There are uncleared alerts in fraud, Provided Updated Fraud report, Updated & Condition Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-There are uncleared alerts in fraud, Provided Updated Fraud report, Updated & Condition Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

8495664

N/A

XXXX

xxxxxx2207

Closed

2026-04-07 09:10

2026-04-08 06:14

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Received final XXXX updated XXXX page - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX

Open-The Final XXXX is Missing final XXXX is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX

Resolved-Received final XXXX updated XXXX page - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXX.XXX

Investment

Purchase

8524949

N/A

XXXX

xxxxxx2207

Closed

2026-04-06 04:15

2026-04-08 04:14

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-settlement statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX

Open-Final HUD-X Document is Missing. Provide the HUD-X document with all parties signatures, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX

Resolved-settlement statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXXX XX.XXX

Investment

Purchase

8495354

N/A

XXXX

xxxxxx5480

Closed

2026-04-08 08:35

2026-04-10 06:50

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Updated fraud page cleared alerts - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Report in file has uncleared alerts - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud page cleared alerts - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

8548589

N/A

XXXX

xxxxxx5480

Closed

2026-04-06 11:31

2026-04-09 03:28

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Requested Secondary Valuation (Freddie mac) provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X.X - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or an appraisal desk review.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X.X - Seller-XX/XX/XXXX

XXXXXX_XXXXXXX XXX.XXX

Primary Residence

Purchase

8505731

N/A

XXXX

xxxxxx2113

Closed

2026-04-06 02:28

2026-04-13 12:42

Resolved

1 - Information

Compliance

Mavent

Tolerance: Disclosure

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Seller Certificate - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Seller Certicate - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-There are ($XXX.XX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (XX CFR XXXX.XX(f)(X); XX CFR XXXX.XX(f)(X)) Provide COC at final CD dated XX/XX/XXXX as Processing fee amount of $XXX charged at final CD. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Seller Certicate - Seller-XX/XX/XXXX

XXXXXXX_XXXXXX XXXXXXXXXXX.XXX

Primary Residence

Purchase

Limited Cash Out - <1% of Loan Amount or $2000

8490956

N/A

XXXX

xxxxxx2113

Closed

2026-04-06 02:29

2026-04-13 12:42

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document Uploaded. COC - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. COC - there were a couple changes from initial CD to final CD including the desk review being waived and a lock extension completed. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Provide COC at final CD XX/XX/XXXX, as lender credit decrease from initial CD to Final CD. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. COC - there were a couple changes from initial CD to final CD including the desk review being waived and a lock extension completed. - Seller-XX/XX/XXXX

Resolved-Document Uploaded. COC - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXX X-XX-XX.XXX

Primary Residence

Purchase

Limited Cash Out - <1% of Loan Amount or $2000

8490965

N/A

XXXX

xxxxxx2113

Closed

2026-04-06 03:25

2026-04-09 07:35

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated XXXX uploaded - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Open-Audited DTI XX.XX% Lender DTI XX.XX% variance is X.XX % this is due to lender considered the total monthly payments as $XXXX.XX whereas as per our calculation it is $XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Resolved-Updated XXXX uploaded - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

Limited Cash Out - <1% of Loan Amount or $2000

8491232

N/A

XXXX

xxxxxx2113

Closed

2026-04-06 00:09

2026-04-08 04:34

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_XXXXXXX XXX.XXX

Primary Residence

Purchase

Limited Cash Out - <1% of Loan Amount or $2000

8490327

N/A

XXXX

xxxxxx7099

Closed

2026-04-05 23:10

2026-04-08 13:57

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Updated fraud page Received all clear fraud report - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX

Open-Provide Third Party fraud report with uncleared alerts as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud page Received all clear fraud report - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8490059

N/A

XXXX

xxxxxx5171

Closed

2026-04-09 07:46

2026-04-13 10:10

Resolved

1 - Information

Credit

Missing Doc

The letter of explanation for the borrower's assets/reserves is missing

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received DOT was missing other is on the Deed. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DOT - . The other person on this acct is vested on the DOT. We should not need an LOE - Seller-XX/XX/XXXX

Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Missing LOX for Wealth Management account. Other is on the account. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DOT - . The other person on this acct is vested on the DOT. We should not need an LOE - Seller-XX/XX/XXXX

Resolved-Received DOT was missing other is on the Deed. - Due Diligence Vendor-XX/XX/XXXX

XXX.XXX

Primary Residence

Purchase

8573634

N/A

XXXX

xxxxxx5171

Closed

2026-04-09 01:08

2026-04-13 05:08

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

8565900

N/A

XXXX

xxxxxx5171

Closed

2026-04-08 23:37

2026-04-09 16:55

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-UpdatXede DOT page - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DOT with Pud Rider - Seller-XX/XX/XXXX

Open-PUD Rider is Missing Provide the PUD rider, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DOT with Pud Rider - Seller-XX/XX/XXXX

Resolved-UpdatXede DOT page - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXXXXXX XXXXXXXXXX XXXXXXXX.XXX

Primary Residence

Purchase

8565278

N/A

XXXX

xxxxxx5171

Closed

2026-04-08 22:32

2026-04-09 16:54

Resolved

1 - Information

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DOT - Seller-XX/XX/XXXX

Open-The Deed of Trust is Missing Provide the Deed of trust. it is not available in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DOT - Seller-XX/XX/XXXX

Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXX XX XXXXX_XXXXXXXX.XXX

Primary Residence

Purchase

8564962

N/A

XXXX

xxxxxx5171

Closed

2026-04-08 23:37

2026-04-09 14:04

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Received SSR updated property page. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X.X - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X.X - Seller-XX/XX/XXXX

Resolved-Received SSR updated property page. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXXXXX XXX.XXX

Primary Residence

Purchase

8565277

N/A

XXXX

xxxxxx4043

Closed

2026-04-16 05:24

2026-04-28 07:45

Resolved

1 - Information

Credit

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

Resolved-PDI received clear from storm damage. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Disaster Report attached - Seller-XX/XX/XXXX

Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES, HI - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required.
- Due Diligence Vendor-XX/XX/XXXX

Open-‘Fail: Potential FEMA’. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Disaster Report attached - Seller-XX/XX/XXXX

Resolved-PDI received clear from storm damage. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

8701616

N/A

XXXX

xxxxxx4043

Closed

2026-04-20 15:20

2026-04-21 15:33

Resolved

1 - Information

Credit

Missing subject rental income documentation

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-attached document supports rent received $XXXX showing X months received - resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Evidence of Rents Received attached. - Seller-XX/XX/XXXX

Open-Per GL X.X.X.X If using a higher monthly actual lease amount, evidence of X-months of receipt is required - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Evidence of Rents Received attached. - Seller-XX/XX/XXXX

XXXXX XXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8779823

N/A

XXXX

xxxxxx4043

Closed

2026-04-15 09:31

2026-04-21 05:10

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Requested Secondary Valuation provided, Updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation(with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X. Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X or the file needs an Appraisal Desk Review
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - Seller-XX/XX/XXXX

XXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

8680485

N/A

XXXX

xxxxxx1801

Closed

2026-04-17 03:38

2026-04-28 06:29

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements LOX for rent free uploaded. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Rent Free LOE - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Unable to verify the housing history for address "XXXX XXXX XXX & XXX XXXXX XXXXXX ". Provide supporting docs or LOX for same. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Rent Free LOE - Seller-XX/XX/XXXX

XXXX XXXX.XXX

Primary Residence

Purchase

8724409

N/A

XXXX

xxxxxx1801

Closed

2026-04-17 05:23

2026-04-24 05:18

Resolved

1 - Information

Credit

Deficient Income Documentation

Resolved-Updated XXXX statement uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Full XXXX statement - Seller-XX/XX/XXXX

Open-One in file XXXX account #XXXX page #XXX, statement not showing the borrower name . Provide the XXXX full statements for account #XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Full XXXX statement - Seller-XX/XX/XXXX

Resolved-Updated XXXX statement uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXX XXXXXXXXX XXXX.XXX

Primary Residence

Purchase

8730560

N/A

XXXX

xxxxxx1801

Closed

2026-04-17 04:06

2026-04-24 05:17

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X low uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

8729187

N/A

XXXX

xxxxxx1611

Closed

2026-04-21 01:15

2026-04-29 05:14

Resolved

1 - Information

Credit

Doc Issue

HOA Fee Difference

Resolved-Updated XXXX provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Open-HOA Fee difference exsits between validated HOA and documents Difference in HOA fee, As per XXXX page XXX HOA amount is $XXX.XX whereas as per appraisal page XX HOA amount is $XXX/XX=$XX.XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Resolved-Updated XXXX provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8784235

N/A

XXXX

xxxxxx1611

Closed

2026-04-27 11:47

2026-04-28 10:00

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-attached doc is signed by title company - resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Open-Final HUD-X Document is Missing. Provide final HUD-X - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX

Resolved-attached doc is signed by title company - resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXX .XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8899016

N/A

XXXX

xxxxxx2691

Closed

2026-04-22 02:39

2026-05-05 03:44

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

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

Ready for Review-Document Uploaded. XXXXXXXXXX - Seller-XX/XX/XXXX

Open-Title Coverage Amount of $X is Less than Loan Amount $XXXXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXXXXXXXX - Seller-XX/XX/XXXX

XXXXX XXXXXXXXXX XXXX XXXX XXXXXX XXXXXX_(XXXXXXXXXX) (X).XXX_XXXXX_
XXXXXXXXXXX XXXXXX_(XXXXXXXXXX) (X).XXX

Primary Residence

Purchase

8810881

N/A

XXXX

xxxxxx2691

Closed

2026-04-22 04:46

2026-04-30 06:04

Resolved

1 - Information

Compliance

Data

The Initial 1003 is Incomplete

Resolved-Received initial signed XXXX by LO - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LO signed XXXX - Seller-XX/XX/XXXX

Open-LO signature is missing in initial XXXX. Provide initial XXXX with LO signature. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LO signed XXXX - Seller-XX/XX/XXXX

Resolved-Received initial signed XXXX by LO - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

8813525

N/A

XXXX

xxxxxx2691

Closed

2026-04-22 03:28

2026-04-29 04:36

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high & X medium uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

8811988

N/A

XXXX

xxxxxx2691

Closed

2026-04-22 03:35

2026-04-29 04:34

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated XXXX document with corrected sales price uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. One in file XXXX Sales price showing as $XXXXXX. Provide updated XXXX with Sales price $XXXXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

8812784

N/A

XXXX

xxxxxx2691

Closed

2026-04-22 03:08

2026-04-27 13:41

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

XXXX_XXXXXXX XXX.XXX

Primary Residence

Purchase

8811089

N/A

XXXX

xxxxxx1841

Closed

2026-04-21 04:03

2026-04-28 04:47

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-RCE doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. RCE attached - Seller-XX/XX/XXXX

Open-Hazard Insurance Policy Partially Provided Provide updated hazard insurance as the provided one on page XXX dwelling not covering the loan amount. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. RCE attached - Seller-XX/XX/XXXX

Resolved-RCE doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXX.XXX

Investment

Purchase

8790100

N/A

XXXX

xxxxxx2256

Closed

2026-04-22 06:37

2026-05-06 06:10

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Current property bought in XXXX on a XX year loan. Property is owned free and clear - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Provide VOM/Rent free letter to verify borrower Housing History - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Current property bought in XXXX on a XX year loan. Property is owned free and clear - Seller-XX/XX/XXXX

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8815428

N/A

XXXX

xxxxxx2256

Closed

2026-04-22 06:58

2026-04-29 04:49

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts The fraud report in file (page # XXX) is showing X high uncleared alerts. The required clear fraud report is missing from file.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

8815763

N/A

XXXX

xxxxxx2256

Closed

2026-04-22 06:10

2026-04-28 04:51

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Guaranty Agreement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX

Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty Agreement Document as in the file only first page is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX

Resolved-Guaranty Agreement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8814851

N/A

XXXX

xxxxxx2039

Closed

2026-04-22 04:50

2026-04-29 12:41

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Document Uploaded. Final CD for assets - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final CD for assets - Seller-XX/XX/XXXX

Open-Asset Record X Does Not Meet G/L Requirements Provide proof of assets, for Proceeds of Real estate $X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final CD for assets - Seller-XX/XX/XXXX

Resolved-Document Uploaded. Final CD for assets - Due Diligence Vendor-XX/XX/XXXX

XXXXX XX.XXX

Investment

Purchase

8813572

N/A

XXXX

xxxxxx2039

Closed

2026-04-22 04:54

2026-04-29 05:40

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report provided with cleared alerts. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts The fraud report in file (page # XXX) is showing X high uncleared alert. The required clear fraud report is missing from file.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud report provided with cleared alerts. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

8813610

N/A

XXXX

xxxxxx2039

Closed

2026-04-22 05:21

2026-04-28 12:12

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX

Open-Final HUD-X Document is Missing. Provide updated Final HUD-X document, as the Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX or Note date - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX

XXXXXX_XXXXXX XXXXXXXXXX XXXXXXXXX.XXX

Investment

Purchase

8813913

N/A

XXXX

xxxxxx9661

Closed

2026-04-27 17:20

2026-05-07 06:48

Resolved

1 - Information

Compliance

TRID Tolerance

Fees: Limited

Ready for Review-Document Uploaded. updated PCCD - Seller-XX/XX/XXXX

Resolved-Received Post CD updated TRID and Post CD page and ran post compliance and got all clear - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Rescinded-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Need COC for recording fee increasing from XXX to XXX on the final CD. - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

8907016

N/A

XXXX

xxxxxx9661

Closed

2026-04-27 14:34

2026-05-07 06:47

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Received Post CD updated TRID and Post CD page and ran post compliance and got all clear - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. updated PCCD - Seller-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXX(e)(X); XX CFR XXXXXX(e)(X); XX CFR XXXXXX(f)(X)(v)). Need COC for fee increasing on final CD fee for free form in the amount of XXX is on final CD in section b Also need COC for recording fee increasing from XXX to XXX on the final CD. - Due Diligence Vendor-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXXX(e)(X); XX CFR XXXXXX(e)(X); XX CFR XXXXXX(f)(X)(v)). Need COC for fee increasing on final CD fee for free form in the amount of XXX is on final CD in section b Also need COC for recording fee increasing from XXX to XXX on the final CD. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. updated PCCD - Seller-XX/XX/XXXX

Resolved-Received Post CD updated TRID and Post CD page and ran post compliance and got all clear - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

8904290

N/A

XXXX

xxxxxx9661

Closed

2026-04-27 14:06

2026-05-01 06:08

Resolved

1 - Information

Credit

Missing Doc

Missing Homeowners Association Questionnaire

Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX

Resolved-Can use condo overview based on guidelines - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. CPM Condo approval. Questionnaire not required - Seller-XX/XX/XXXX

Open-HOA Questionnaire is Missing or Partial. HOA questionnaire is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. CPM Condo approval. Questionnaire not required - Seller-XX/XX/XXXX

Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX

Resolved-Can use condo overview based on guidelines - Due Diligence Vendor-XX/XX/XXXX

XXXX - XXXXX.XXX

Primary Residence

Purchase

8903480

N/A

XXXX

xxxxxx9661

Closed

2026-04-22 00:54

2026-04-30 06:09

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Received updated XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Open-In final XXXX - Demographic Information was provided through section is not completed. Provide the updated final XXXX with same. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Resolved-Received updated XXXX - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Primary Residence

Purchase

8810165

N/A

XXXX

xxxxxx9661

Closed

2026-04-21 23:30

2026-04-30 06:07

Resolved

1 - Information

Credit

Eligibility

Ineligible Housing History per program guidelines

Resolved-Received Sept rent Updated credit page. XX month housing history - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Sept Rent Payment - Seller-XX/XX/XXXX

Open-Housing History Does Not Meet Guideline Requirements Unable to verify the sept XXXX housing history for current address "XXXX XXXXXX XXX XXX". Provide Sept XXXX VOR for current address. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Sept Rent Payment - Seller-XX/XX/XXXX

Resolved-Received Sept rent Updated credit page. XX month housing history - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXX.XXX

Primary Residence

Purchase

8809295

N/A

XXXX

xxxxxx9661

Closed

2026-04-21 23:58

2026-04-30 04:26

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

8809533

N/A

XXXX

xxxxxx5444

Closed

2026-04-22 05:04

2026-04-29 03:40

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

8813709

N/A

XXXX

xxxxxx5444

Closed

2026-04-22 04:50

2026-04-29 03:40

Resolved

1 - Information

Credit

Doc Issue

Missing asset documentation (ATR)

Resolved-Updated Final XXXX with asset removed uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Open-Provide bank statement for the account XXXXX XXXXX #XXXX $XXX,XXX.XX as per final XXXX page XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX

Resolved-Updated Final XXXX with asset removed uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX.XXX

Investment

Purchase

8813571

N/A

XXXX

xxxxxx2684

Closed

2026-04-27 08:04

2026-05-06 06:31

Resolved

1 - Information

Credit

Missing Doc

Missing letter of explanation

Resolved-Received letter from borrower about address and resides in the city.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LOE - Seller-XX/XX/XXXX

Counter-XXXX states that LOE required due to conflicting information in the loan file does not state what the conflicting information is.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX

Open-Based on XXXX LOE in file for conflicting information Only LOE in file is from the seller  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LOE - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX

Resolved-Received letter from borrower about address and resides in the city. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX_XXXXXX XXXXXXXXXXX.XXX_XXXXX_
XXXXXXXXXXX XXXX.XXX

Primary Residence

Purchase

8889847

N/A

XXXX

xxxxxx2684

Closed

2026-04-22 00:46

2026-04-29 04:39

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the XX-XX-XXXX page # XX a clear fraud report is required. The Fraud report in file (page XXX) is showing high X uncleared alert. The required cleared Fraud report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

8810093

N/A

XXXX

xxxxxx5746

Closed

2026-04-22 09:31

2026-04-30 05:27

Resolved

1 - Information

Credit

DSCR Does Not Meet Guideline Requirement

Resolved-Updated DSCR worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX

Open-As per DSCR worksheet Rent $X,XXX/ PITI X,XXX.XX = X.XXX P&I Considered as $X,XXX.XX, Audited DSCR is as follows: Rent of $X,XXX/ PITIA of $X,XXX.XX=X.XXX DSCR , P&I considered as $X,XXX.XX. Required updated DSCR worksheet - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. DSCR Calculator - Seller-XX/XX/XXXX

Resolved-Updated DSCR worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8820005

N/A

XXXX

xxxxxx5746

Closed

2026-04-22 08:28

2026-04-29 03:21

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a Low alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

8817909

N/A

XXXX

xxxxxx5746

Closed

2026-04-22 08:14

2026-04-28 04:58

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Freddie SSR report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary property valuation document missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

Resolved-Freddie SSR report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_XXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

8817557

N/A

XXXX

xxxxxx6073

Closed

2026-04-23 05:34

2026-04-29 04:05

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per XXXX XXXXXXX guidelines dated XX/XX//XXXX, required updated fraud report.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Primary Residence

Purchase

8837820

N/A

XXXX

xxxxxx2014

Closed

2026-04-22 06:18

2026-05-07 02:42

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Requested final Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX

Open-Final HUD-X Document is Missing. Provide updated Final HUD-X document, as the Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX or Note date - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX

XXXXXX_XXXXXX XXXXXXXXXX XXXXXXXXX.XXX

Investment

Purchase

8814987

N/A

XXXX

xxxxxx2014

Closed

2026-04-22 05:47

2026-04-30 06:22

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Seller Settlement Statement - Seller-XX/XX/XXXX

Open-Asset Record X Does Not Meet G/L Requirements Provide proof of assets, for Proceeds of Real estate $X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Seller Settlement Statement - Seller-XX/XX/XXXX

Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XX - XXXXX XXXX - XXXXX XXXXXXX - XXXX X XXXXX XX - X-X-XXXX.XXX

Investment

Purchase

8814299

N/A

XXXX

xxxxxx2014

Closed

2026-04-22 05:56

2026-04-29 05:36

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report provided with cleared alerts. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud report provided with cleared alerts. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX.XXX

Investment

Purchase

8814471

N/A

XXXX

xxxxxx2014

Closed

2026-04-22 04:49

2026-04-28 04:49

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Resolved Guaranty Agreement provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Personal Guarantee - Seller-XX/XX/XXXX

Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement document missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Personal Guarantee - Seller-XX/XX/XXXX

Resolved-Resolved Guaranty Agreement provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXXXXXX XXXXXXXXX.XXX

Investment

Purchase

8813559

N/A

XXXX

xxxxxx1286

Closed

2026-04-22 09:49

2026-04-28 13:49

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

8820363

N/A

XXXX

xxxxxx9540

Closed

2026-04-22 01:31

2026-04-28 23:06

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report Fraud Report missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

8810418

N/A

XXXX

xxxxxx9540

Closed

2026-04-22 01:08

2026-04-28 06:11

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary property Valuation document missing in file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

XXXXXXXX_XXXXXXX XXX.XXX

Investment

Refinance

Cash Out - Other

8810258

N/A

XXXX

xxxxxx3427

Closed

2026-04-23 04:31

2026-05-05 06:08

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. COC with a rate change on X/XX completed, and the discount points were impacted. - Seller-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide the COC for FINAL CD due to Loan Discount Fee increased from Initial CD Date XX/XX/XXXX. Fee $X,XXX to Final CD Date XX/XX/XXXX. Fee $X,XXX., Increased Fee $X,XXX. - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. COC with a rate change on X/XX completed, and the discount points were impacted. - Seller-XX/XX/XXXX

Resolved- - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX XXX X-XX-XX.XXX

Primary Residence

Purchase

8836937

N/A

XXXX

xxxxxx3917

Closed

2026-04-24 02:09

2026-04-30 04:59

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report with all alerts cleared per the GL.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Second Home

Refinance

Cash Out - Other

8857915

N/A

XXXX

xxxxxx3756

Closed

2026-04-24 03:51

2026-04-30 04:56

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high & X low uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXXXXXXXX.XXXXXXXXXX.XXX

Primary Residence

Purchase

8859810

N/A

XXXX

xxxxxx3756

Closed

2026-04-24 03:14

2026-04-29 03:52

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-LCA (Freddie SSR) uploaded, verified & entered in system - Resolved.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX

XXXXXXXX_XXXXXXX XXX.XXX

Primary Residence

Purchase

8858681

N/A

XXXX

xxxxxx5744

Closed

2026-04-27 00:00

2026-05-04 09:16

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final CD entered for settlement documentaiton. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Closing Disclosure was used at closing per Title - Seller-XX/XX/XXXX

Counter-Missing page X & X of the settlement statement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Closing Disclosure - Seller-XX/XX/XXXX

Counter-The settlement statement is incomplete. Provide all pages of the final executed settlement statement. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final HUD-X Settlement Statement - Seller-XX/XX/XXXX

Open-Final HUD-X Document is Missing. Provide the updated final settlement statement as the one in file does not show the prior lien being paid off. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Closing Disclosure was used at closing per Title - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Closing Disclosure - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Final HUD-X Settlement Statement - Seller-XX/XX/XXXX

Resolved-Final CD entered for settlement documentaiton. - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_XXXXXXXXXX XXXXXXXXX.XXX_XXXXX_
XXXXXXX XX.XXX_XXXXX_
XXXXXXXXX-XXXXXXXXXXXXXX.XXX

Investment

Refinance

Cash Out - Other

8882906

N/A

XXXX

xxxxxx5744

Closed

2026-04-24 11:16

2026-04-30 05:06

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts The fraud report in file on page #XXX has an uncleared alert. Provide the cleared fraud report per the X/XX/XXXX GL.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

Cash Out - Other

8870934

N/A

XXXX

xxxxxx4704

Closed

2026-04-26 21:46

2026-04-30 05:05

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Title Commitment - Seller-XX/XX/XXXX

Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The coverage amount of $XXX,XXX is less than the loan amount of $XXX,XXX. Please provide an updated title document reflecting coverage in an amount equal to or greater than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Title Commitment - Seller-XX/XX/XXXX

Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXX XXXXXXXXXX XXXX (XX)-XXXXXX-XXXXXXXXX - XXXX-XX-XXXXXXXXX.XXX.XXX

Investment

Refinance

Cash Out - Other

8882302

N/A

XXXX

xxxxxx4704

Closed

2026-04-26 22:35

2026-04-30 05:01

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Third Party Fraud Report Partially Provided Per the GL XX-XX-XXXX page # XX a clear fraud report is required. The required cleared Fraud report is missing .Provided clear fraud report document.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX_XXXXX_
XXXXX.XXX

Investment

Refinance

Cash Out - Other

8882451

N/A

XXXX

xxxxxx1844

Closed

2026-04-28 18:33

2026-05-11 12:45

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline requirements

Waived-Lender approved exception in file (page XXX) for FICO requirements. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-Audited FICO of XXX is less than XXXXXXXXX FICO of XXX Borrower is first time investor - Lender approved exception in file (page XXX) - Due Diligence Vendor-XX/XX/XXXX

XXXXXX XX XXXXXX XXXXXXXX XX XX XXXXXXX XXXXXXXXXXXX X
XXXXXXXX XXXXXXXXXXXXX XX% XXXX XX XXXX XXXXXXX XXXXXXXXXXXX XX X%
XXXXXXX XXXXXXX XXXXXXX

Investment

Purchase

8934934

Originator Pre-Close

Yes

XXXX

xxxxxx1844

Closed

2026-04-28 17:33

2026-05-01 06:19

Resolved

1 - Information

Compliance

Closing

The Deed of Trust is Not Executed

Resolved-Borrower signed Security Instrument provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Borrower signed Security Instrument provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Recorded DOT - all pages - Seller-XX/XX/XXXX

Open-The Deed of Trust is Not Executed Missing the Borrower's signature page - Page XX of XX of Deed of Trust is missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Recorded DOT - all pages - Seller-XX/XX/XXXX

Resolved-Borrower signed Security Instrument provided - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX_XXXXXXXXXX_XXX.XXX

Investment

Purchase

8934162

N/A

XXXX

xxxxxx1844

Closed

2026-04-26 23:43

2026-05-01 01:25

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared.
- Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

8882793

N/A

XXXX

xxxxxx1844

Closed

2026-04-26 22:26

2026-04-30 04:05

Resolved

1 - Information

Credit

Missing Doc

1008 Document is Missing

Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX

Open-The XXXX document is missing from the loan file. Provide the XXXX document, it is not available in the file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX

Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXX.XXX

Investment

Purchase

8882414

N/A

XXXX

xxxxxx1844

Closed

2026-04-27 00:48

2026-04-30 00:27

Resolved

1 - Information

Compliance

Missing Doc

The Note is Missing

Resolved-Prepayment penalty addendum to note provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Prepay Addendum to Note - Seller-XX/XX/XXXX

Open-The Note is Missing Provide prepayment addendum, it it not available in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Prepay Addendum to Note - Seller-XX/XX/XXXX

Resolved-Prepayment penalty addendum to note provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XX XXXXXXXX XX XXXX.XXX

Investment

Purchase

8883267

N/A

XXXX

xxxxxx3484

Closed

2026-04-29 13:03

2026-05-07 08:08

Waived

2 - Non-Material

Credit

Missing Doc

Missing Verification of Rent

Waived- - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-Lender exception approval provided for missing VOR - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX

Open-Missing Verification of Rent Missing lender approved exception for verification of rent (VOR) as indicated on loan approval and XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX

Acknowledged-Lender exception approval provided for missing VOR - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXXX XXXXXXXX.XXX

XXXXXX XX XXXXXX XXXXXXXX XX XX XXXXXXX XXXXXXXXXXXX X
XXXX XX XXX
XXXXXXXXXXX XXXXXXXX

Investment

Purchase

8956701

Originator Post-Close

Yes

XXXX

xxxxxx3484

Closed

2026-04-29 13:02

2026-05-01 07:28

Resolved

1 - Information

Credit

Hazard insurance coverage amount is insufficient.

Resolved-Received letter from Insurance company that dwelling coverage is the cost to rebuild the home - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. RCE attached - Seller-XX/XX/XXXX

Open-Hazard Insurance Coverage Amount of $XXX,XXX is Less than Loan Amount of $XXX,XXX and Guaranteed Replacement Coverage - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. RCE attached - Seller-XX/XX/XXXX

Resolved-Received letter from Insurance company that dwelling coverage is the cost to rebuild the home - Due Diligence Vendor-XX/XX/XXXX

XXX.XXX

Investment

Purchase

8956673

N/A

XXXX

xxxxxx2161

Closed

2026-04-28 22:19

2026-05-08 00:44

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Photo Identification Type Missing

Resolved-Borrower X driver's License uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ID for borrowers - Seller-XX/XX/XXXX

Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide Borrower X Photo Identification document as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ID for borrowers - Seller-XX/XX/XXXX

Resolved-Borrower X driver's License uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XX.XXX

Investment

Purchase

8935981

N/A

XXXX

xxxxxx2161

Closed

2026-04-28 22:19

2026-05-08 00:43

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report Provide Third Party Fraud Report document with uncleared alerts as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Resolved-Fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

8935980

N/A

XXXX

xxxxxx2161

Closed

2026-04-28 21:38

2026-05-01 12:15

Acknowledged

2 - Non-Material

Credit

Spousal Consent Missing

Acknowledged-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide evidence of spousal consent document as it is missing in the file
Client acknowledges - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

8935829

Originator Pre-Close

XXXX

xxxxxx4271

Closed

2026-04-28 05:32

2026-05-06 03:50

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-There are Uncleared alerts in fraud report, provided updated Fraud Report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

8915433

N/A

XXXX

xxxxxx4271

Closed

2026-04-28 06:02

2026-05-05 05:31

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Executed Final Settlement Statement uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. FSS - Seller-XX/XX/XXXX

Open-Final HUD-X Document is Missing. Provide the updated FINAL HUD-X Document with Settlement Agent Signature. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. FSS - Seller-XX/XX/XXXX

XXXX-XXXXXXXXX.XXX

Investment

Purchase

8915851

N/A

XXXX

xxxxxx9820

Closed

2026-04-30 00:09

2026-05-06 07:42

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Reserves met with figures from disbursement summary. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX

Open-Audited Reserves of month(s) are less than XXXXXXXXX Required Reserves of X month(s) Total assets is $XXX,XXX.XX. There is a requirement of X months reserves which totals $X,XXX.XX The loan is short reserves in the amount of $X,XXX.XX. Provide additional asset documentation to meet minimum reserve requirement - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Seller Certificate - Seller-XX/XX/XXXX

Resolved-Reserves met with figures from disbursement summary. - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXXXX XXXXXXXXXXX.XXX

Investment

Purchase

8964583

N/A

XXXX

xxxxxx9820

Closed

2026-04-30 00:13

2026-05-06 07:39

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 or Final Settlement Statement Document is Missing

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Disbursement Ledger - Seller-XX/XX/XXXX

Counter-The document provided is not for the subject transaction. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX

Open-Final HUD-X Document is Missing. Provide an updated settlement statement signed by both settlement agent and borrower. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Disbursement Ledger - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. Final Settlement Statement - Seller-XX/XX/XXXX

Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXXXX XXXXXXXXXX XXXXXXXXX.XXX_XXXXX_
XXXXXX_XXXXX XXXXXXX XXXXXXX.XXX

Investment

Purchase

8964619

N/A

XXXX

xxxxxx9820

Closed

2026-04-29 23:27

2026-05-06 04:08

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Fraud Report Shows Uncleared Alerts Provide a clear fraud report per the X/XX/XXXX GL. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Resolved-Fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Purchase

8964201

N/A

XXXX

xxxxxx5272

Closed

2026-04-29 05:37

2026-05-06 03:55

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-There are Uncleared alerts in fraud report, provided updated Fraud Report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with uncleared alerts as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8942913

N/A

XXXX

xxxxxx5272

Closed

2026-04-29 05:14

2026-05-05 03:10

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Guaranty Agreement Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Guaranty - Seller-XX/XX/XXXX

Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty Agreement Document as complete document is missing in the file - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Guaranty - Seller-XX/XX/XXXX

Resolved-Guaranty Agreement Document uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8942592

N/A

XXXX

xxxxxx5683

Closed

2026-04-30 05:25

2026-05-06 08:41

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-There are Uncleared alerts in fraud report, provided updated Fraud Report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

Open-Missing Third Party Fraud Report. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX

XXXXXXX XXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8967058

N/A

XXXX

xxxxxx5683

Closed

2026-04-30 04:34

2026-05-05 08:13

Resolved

1 - Information

Credit

Missing Doc

Guaranty Agreement Doc Locator is Missing or Partial

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Guaranty Agreement
- Seller-XX/XX/XXXX

Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement X of X pages missing from the file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Guaranty Agreement
- Seller-XX/XX/XXXX

Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXXXXX XXXXXXXXX.XXX

Investment

Refinance

No Cash Out - Borrower Initiated

8966580

N/A

XXXX

xxxxxx5507

Closed

2026-05-04 15:30

2026-05-07 08:22

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Attached flood cert dated X/XX/XX updated flood cert information - resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Flood certificate - Seller-XX/XX/XXXX

Open-Missing Flood Certificate Flood Certification Date is greater than XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Flood certificate - Seller-XX/XX/XXXX

Resolved-Attached flood cert dated X/XX/XX updated flood cert information - resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Flood Certificate is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXXXXXXXX.XXX

Investment

Purchase

9032471

N/A

XXXX

xxxxxx5507

Closed

2026-04-30 20:12

2026-05-05 13:49

Resolved

1 - Information

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Attached is the purchase agreement for subject property - resolved - Due Diligence Vendor-XX/XX/XXXX

Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Purchase Contract - Seller-XX/XX/XXXX

Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract agreement. Purchase Contract agreement missing from file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Purchase Contract - Seller-XX/XX/XXXX

XXXXXX_XX.XXX

Investment

Purchase

8986787

N/A

XXXX

xxxxxx5507

Closed

2026-05-04 14:55

2026-05-05 13:38

Resolved

1 - Information

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Attached Final XXXX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final URLA - Seller-XX/XX/XXXX

Open-The Final XXXX is Missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final URLA - Seller-XX/XX/XXXX

Resolved-Attached Final XXXX - Due Diligence Vendor-XX/XX/XXXX

XXXXXX_XXXX.XXX

Investment

Purchase

9031543

N/A

XXXX

xxxxxx3269

Closed

2026-04-30 05:48

2026-05-07 03:25

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X low uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXX_

Resolved-Updated fraud report with cleared alerts provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXXXXX XXXXXX.XXX

Investment

Purchase

8967320

N/A

XXXX

xxxxxx3269

Closed

2026-04-30 08:43

2026-05-07 03:23

Resolved

1 - Information

Credit

DTI discrepancy or failure.

Resolved-Updated XXXX provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX _xXXXX_
Open-Audited DTI XX.XX% Lender DTI XX.XX% variance is X.XX% this is due to X) lender considered the all other monthly payments as $XXXX.XX whereas as per our calculation it is $XXXX.XX X) lender considered the tax amount $XXX as per our calculation it is $X,XXX.XX
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX_xXXXX_

Resolved-Updated XXXX provided. Resolved
- Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXX.XXX

Investment

Purchase

8970767

N/A

XXXX

xxxxxx0102

Closed

2026-05-01 00:46

2026-05-08 00:38

Resolved

1 - Information

Credit

Eligibility

Fraud Report Shows Uncleared Alerts

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_
Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXX_

XXXXXXX XXXXXX.XXX

Investment

Purchase

8990229

N/A

XXXX

xxxxxx0102

Closed

2026-05-01 00:17

2026-05-07 03:15

Resolved

1 - Information

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX _xXXXX_
Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.
- Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Freddie SSR - LCA score of X - Seller-XX/XX/XXXX_xXXXX_

Resolved-Freddie SSR provided. Resolved - Due Diligence Vendor-XX/XX/XXXX_xXXXX_

XXXXX_XXXXXXX XXX.XXX

Investment

Purchase

8987853

N/A

XXXX

xxxxxx5927

Closed

2026-05-03 23:47

2026-05-08 08:03

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved
- Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX _xXXXX_
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX _xXXXX_
Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all Cleared alerts as Per the GL XX.XX.XXXX page # XX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX_xXXXX_

XXXXXXX XXXXXX - XXXXXX.XXX

Primary Residence

Purchase

9015613

N/A

Loan ID

Seller Loan ID

Investor Loan ID

Note Date

Original Loan Amount

Sales Price

Total Adjusted Prior Purchase Price

Primary Appraised Value

Primary Appraisal Date

Primary Appraisal Type

Primary Appraisal Company

Primary Appraiser Name

Primary Appraiser License Number

Value for LTV

LTV

CLTV

Loan Reviewed Property Value

Loan Reviewed Variance Amount

Loan Reviewed Variance Percent

Loan Reviewed Product Type

Loan Post-Close Reviewed Property Value

Loan Post-Close Reviewed Variance Amount

Loan Post-Close Reviewed Variance Percent

Loan Post-Close Reviewed Product Type

Second Appraisal Value

Second Appraisal Variance Amount

Second Appraisal Variance Percent

Second Appraisal Date

Second Appraisal Type

AVM Appraised Value

AVM Variance Amount

AVM Variance Percent

AVM Confidence Score

FSD Score

AVM Company Name

AVM Product Name

AVM Appraisal Date

Desk Review Appraised Value

Desk Review Variance Amount

Desk Review Variance Percent

Desk Review Company

Desk Review Risk Score

Desk Review Appraisal Date

Desk Top Appraised Value

Desk Top Variance Amount

Desk Top Variance Percent

Desk Top Company

Desk Top Appraisal Date

BPO Appraised Value

BPO Variance Amount

BPO Variance Percent

BPO Company

BPO Appraisal Date

Field Review Appraised Value

Field Review Variance Amount

Field Review Variance Percent

Field Review Company

Field Review Appraisal Date

2055 Appraised Value

2055 Variance Amount

2055 Variance Percent

2055 Company

2055 Appraisal Date

AVE/CMA Appraised Value

AVE/CMA Variance Amount

AVE/CMA Variance Percent

AVE/CMA Company

AVE/CMA Appraisal Date

Completion Report (1004D) Date

Other Appraised Value

Other Variance Amount

Other Variance Percent

Other Appraisal Date

Updated Appraised Value

Updated Variance Amount

Updated Variance Percent

Updated Company

Updated Appraisal Date

Updated Appraisal Type

Loan Collateral Advisor Risk Score

Loan Collateral Advisor Risk Score Date

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

Collateral Underwriter Risk Score

Collateral Underwriter Risk Score Date

xxxxxx7715

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

LOW RISK

XXXX

xxxxxx1779

XXXX

1004 URAR

XXXX

36.81

XXXX

.0000

Collateral Underwriter (CU)

XXXX

1.3

XXXX

xxxxxx3247

XXXX

1025 Small Residential Income Report

XXXX

51.52

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Low Risk

XXXX

xxxxxx2175

XXXX

1004 URAR

XXXX

73.82

XXXX

.0000

Collateral Underwriter (CU)

XXXX

1.6

XXXX

xxxxxx5926

XXXX

1004 URAR

XXXX

65.0

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx5247

XXXX

1004 URAR

XXXX

69.9

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx6315

XXXX

1004 URAR

XXXX

62.5

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx6481

XXXX

1004 URAR

XXXX

75.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx9112

XXXX

1004 URAR

XXXX

70.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Low Risk

XXXX

xxxxxx2207

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Moderate Risk

XXXX

xxxxxx5480

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

1.5

XXXX

Eligible

XXXX

xxxxxx2113

XXXX

1004 URAR

XXXX

75.55

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx7099

XXXX

1004 URAR

XXXX

70.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

1.3

XXXX

xxxxxx5171

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

2.5

XXXX

Eligible

XXXX

xxxxxx4043

XXXX

1004 URAR

XXXX

74.97

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx1801

XXXX

1004 URAR

XXXX

75.87

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

LOW RISK

XXXX

xxxxxx1611

XXXX

1004 URAR

XXXX

75.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

1.9

XXXX

xxxxxx2691

XXXX

1073 Individual Condo Report

XXXX

55.49

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx1841

XXXX

1004 URAR

XXXX

75.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Low Risk

XXXX

xxxxxx2256

XXXX

1004 URAR

XXXX

65.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx2039

XXXX

1004 URAR

XXXX

65.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx9661

XXXX

1073 Individual Condo Report

XXXX

64.98

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx5444

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx2684

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Low Risk

XXXX

xxxxxx5746

XXXX

1004 URAR

XXXX

69.33

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx6073

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

2.1

XXXX

xxxxxx2014

XXXX

1004 URAR

XXXX

65.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx1286

XXXX

1004 URAR

XXXX

75.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

1.9

XXXX

xxxxxx9540

XXXX

1004 URAR

XXXX

56.84

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx3427

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

1.2

XXXX

xxxxxx3917

XXXX

1004 URAR

XXXX

51.13

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx3756

XXXX

1004 URAR

XXXX

33.33

XXXX

.0000

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx5744

XXXX

1004 URAR

XXXX

63.09

XXXX

.0000

Collateral Underwriter (CU)

XXXX

1.5

XXXX

xxxxxx4704

XXXX

1025 Small Residential Income Report

XXXX

70.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Moderate RIsk

XXXX

xxxxxx4969

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx1844

XXXX

1004 URAR

XXXX

75.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

1.1

XXXX

xxxxxx3484

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

2.1

XXXX

xxxxxx0990

XXXX

1004 URAR

XXXX

75.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx3078

XXXX

1004 URAR

XXXX

73.54

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx2161

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

LOW RISK

XXXX

xxxxxx7606

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

LOW RISK

XXXX

xxxxxx4271

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx9820

XXXX

1004 URAR

XXXX

75.0

XXXX

.0000

Collateral Underwriter (CU)

XXXX

2.4

XXXX

xxxxxx5272

XXXX

1004 URAR

XXXX

68.3

XXXX

.0000

Collateral Underwriter (CU)

XXXX

xxxxxx5683

XXXX

1004 URAR

XXXX

59.98

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Low Risk

XXXX

xxxxxx5507

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Low Risk

XXXX

xxxxxx3269

XXXX

1004 URAR

XXXX

50.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

MODERATE RISK

XXXX

xxxxxx0102

XXXX

1004 URAR

XXXX

73.59

XXXX

9.0000

Loan Collateral Advisor (LCA)

XXXX

Eligible

XXXX

xxxxxx5927

XXXX

1004 URAR

XXXX

80.0

XXXX

.0000

Desk Review

XXXX

.0000

XXXX

Low Risk

XXXX

Seller Loan ID

Loan ID

Investor Loan ID

Lender Name

Transaction ID

ULI

Borrower 1 First Name

Borrower 1 Last Name

Borrower 1 SSN

Borrower 1 Birthdate

Borrower 1 Gender

Borrower 1 Ethnicity

Borrower 1 Race

Borrower 1 Citizen

Borrower 1 Self-Employment Flag

Borrower 1 FTHB

Borrower 1 FICO Date

Borrower 1 Origination FICO

Borrower 1 Origination Equifax

Borrower 1 Origination Experian

Borrower 1 Origination TransUnion

Borrower 2 First Name

Borrower 2 Last Name

Borrower 2 SSN

Borrower 2 Birthdate

Borrower 2 Gender

Borrower 2 Ethnicity

Borrower 2 Race

Borrower 2 Citizen

Borrower 2 Self-Employment Flag

Borrower 2 FTHB

Borrower 2 FICO Date

Borrower 2 Origination FICO

Borrower 2 Origination Equifax

Borrower 2 Origination Experian

Borrower 2 Origination TransUnion

Borrower 3 First Name

Borrower 3 Last Name

Borrower 3 SSN

Borrower 3 Birthdate

Borrower 3 Gender

Borrower 3 Ethnicity

Borrower 3 Race

Borrower 3 Citizen

Borrower 3 Self-Employment Flag

Borrower 3 FTHB

Borrower 3 FICO Date

Borrower 3 Origination FICO

Borrower 3 Origination Equifax

Borrower 3 Origination Experian

Borrower 3 Origination TransUnion

Borrower 4 First Name

Borrower 4 Last Name

Borrower 4 SSN

Borrower 4 Birthdate

Borrower 4 Gender

Borrower 4 Ethnicity

Borrower 4 Race

Borrower 4 Citizen

Borrower 4 Self-Employment Flag

Borrower 4 FTHB

Borrower 4 FICO Date

Borrower 4 Origination FICO

Borrower 4 Origination Equifax

Borrower 4 Origination Experian

Borrower 4 Origination TransUnion

Subject Address

Subject City

Subject Sate

Subject Zip Code

Subject County

Originator Doc Type

Occupancy

Loan Purpose

Refinance Type

Qualifying Front End DTI

Qualifying DTI

Borrower 1 Qualifying Income

Borrower 2 Qualifying Income

Borrower 3 Qualifying Income

Borrower 4 Qualifying Income

All Borrower Total Qualifying Income

Borrower 1 Employment Status

Borrower 2 Employment Status

Borrower 3 Employment Status

Borrower 4 Employment Status

Borrower 1 Length of Employment

Borrower 2 Length of Employment

Borrower 3 Length of Employment

Borrower 4 Length of Employment

4506-T Flag

All Borrower Residual Income

All Borrower Monthly Debt

Escrow Flag

Months Reserves

Liquid Cash Reserves

Original Note Loan Amount

Original Qualifying Loan Amount

Original Qualifying Base LTV

Original Qualifying LTV

Original Qualifying CLTV

Application Date

Note Date

Cash Disbursement Date

Mortgage Type

Loan Product

Loan Program

Original Note Interest Rate

Original Qualifying Interest Rate

Original P&I Payment

Original Qualifying P&I Payment

Monthly Escrow Payment

Original Total Housing Expense (PITIA)

First Payment Date

Amortization Type

Original Amortization Term

Original Term to Maturity

Maturity Date

ARM Gross Margin

ARM Rounding Method

ARM Rounding Factor

ARM Lookback Days

ARM Rate Index Type

Origination ARM Rate Index Value

ARM Initial Interest Rate Cap

ARM Subsequent Interest Rate Cap

ARM Initial Interest Rate Floor

ARM Lifetime Interest Rate Floor

ARM Initial Interest Rate Maximum

ARM Lifetime Interest Rate Maximum

ARM First Rate Reset Date

ARM First Payment Reset Date

ARM Subsequent Interest Rate Reset Frequency

ARM Subsequent Payment Reset Frequency

Interest Only Flag

Original Interest Only Term

Balloon Flag

Buydown Flag

Assumable Flag

Prepayment Penalty Flag

Prepayment Penalty Total Term

Prepayment Penalty Type

Origination Channel

PMI Flag

MI Certificate Number

Mortgage Insurance Percent

Mortgage Insurance Type

Mortgage Insurance Company Name

MERS MOM Flag

MERS Loan ID

Property Type

Number of Units

Year Built

Primary Value Property Valuation Date

Primary Value Property Valuation Type

Primary Value Property Value

Secondary Value Property Valuation Date

Secondary Value Property Form Type

Secondary Value Property Value

Sales Price

Qualifying Property Value

Date of Prior Sale

Days Since Prior Sale

Total Adjusted Prior Purchase Price

Flood Zone Flag

Flood Zone Code

Flood Policy Number

Other Lien Amount

Other Lien Position

Originator QM Status

Final QM Status

Total Number of Borrowers

Cash Out Amount

Total Origination and Discount Points

Number of Mortgaged Properties

Credit Report: Max Trade Line

Credit Report: Longest Trade Line

Credit Report: Number of Trade Lines

Credit Line Usage Ratio

Borrower 1 Years in Home

GSE Eligible Flag

AUS Case Number

AUS Recommendation

QM Points and Fees

Annual Percent Rate (APR)

Higher Priced Mortgage Loan (HPML) Flag

Covered/High Cost Loan Flag

Guideline Name

UW Guideline Author

Blanket Mortgage Flag

xxxxxx7715

XXXX

US Citizen

Yes

false

XXXX

714

702

714

718

XXXX

ALT DOC

Investment

Refinance

Cash Out - Other

16.65

35.79

134847.47

.00

134847.47

Employed

6.77

2 YRS

86583.87

48263.6

Taxes and Insurance

34.47

490319.88

XXXX

75.0

XXXX

Conventional

Fixed

A+

7.875

12507.45

1716.21

14223.66

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

392704.13

5565.00

38757

431

0.2934133790737564

2.00

XXXX

Manual Underwriting

XXXX

xxxxxx1779

XXXX

US Citizen

Yes

XXXX

669

664

704

669

XXXX

US Citizen

false

XXXX

708

732

685

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

12.61

23.29

20807.34

.00

20807.34

Employed

Not Employed

17.08

Yes

15961.73

4845.61

Taxes and Insurance

30.13

79038.94

XXXX

36.81

XXXX

Conventional

Fixed

Super Kind - Non-QM

6.75

1945.79

677.88

2623.67

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

62724.23

2274.00

40430

333

0.9126079447322971

XXXX

Manual Underwriting

8274.0

6.907

XXXX

xxxxxx3247

XXXX

US Citizen

Yes

XXXX

777

787

765

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

21.5

33.53

16852.00

.00

16852.00

Employed

25.92

2 YRS

11202

5650

No Escrow

105.84

383561.08

XXXX

51.52

XXXX

Conventional

Fixed

A+

7.0

2594.68

3624

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

383561.08

1425.00

76981

389

0.16323061630218688

XXXX

Manual Underwriting

12150.0

7.100

XXXX

xxxxxx2175

XXXX

US Citizen

Yes

XXXX

703

671

723

703

XXXX

US Citizen

false

XXXX

682

691

677

XXXX

ALT DOC

Primary Residence

Refinance

Cash Out - Other

42.56

43.62

6471.00

3364.00

.00

9835.00

Employed

8.92

4.42

3 YRS

5545.42

4289.58

Taxes and Insurance

3.28

13707.68

XXXX

73.82

XXXX

Conventional

Fixed

A+

7.875

3842.87

335.55

4185.58

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

133984.75

2840.80

41510

332

0.3140778464896326

XXXX

Manual Underwriting

7.970

Yes

XXXX

xxxxxx5926

XXXX

US Citizen

XXXX

654

674

654

650

XXXX

2YR Full Doc

Primary Residence

Purchase

26.95

28.69

8586.20

.00

8586.20

Employed

2.58

1 YR

6123.02

2463.18

Taxes and Insurance

15.81

36578.18

XXXX

65.0

XXXX

Conventional

Fixed

B-

7.875

2050.13

264.05

2314.18

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

2366.56

6000

401

0.3496354799513973

XXXX

Manual Underwriting

2366.56

8.096

Yes

XXXX

xxxxxx5247

XXXX

US Citizen

Yes

XXXX

772

803

763

772

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Rate and Term

.00

7597

No Escrow

147.21

358781.06

XXXX

69.9

XXXX

DSCR

Fixed

Low Ratio - DSCR

6.75

2025.0

2437.24

XXXX

Fixed

240

360

XXXX

Yes

120

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

2321.40

35946

209

0.05281203007518797

XXXX

Manual Underwriting

XXXX

xxxxxx6315

XXXX

US Citizen

XXXX

677

642

677

689

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Rate and Term

.00

7885

Taxes and Insurance

9.43

22638.42

XXXX

62.5

XXXX

DSCR

Fixed

Kind - DSCR

6.25

1847.15

553.83

2400.98

XXXX

Fixed

360

XXXX

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

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

2997.00

199162

175

0.3369610778443114

XXXX

Manual Underwriting

XXXX

xxxxxx6481

XXXX

US Citizen

XXXX

783

780

785

783

XXXX

US Citizen

false

XXXX

749

727

761

749

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

2275

No Escrow

50.12

104512.14

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

6.625

1488.72

2085.3

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

104512.14

7570.18

57413

420

0.15612785154278916

XXXX

Manual Underwriting

XXXX

xxxxxx9112

XXXX

US Citizen

Yes

XXXX

698

712

693

698

XXXX

12 Month Bank Statement

Primary Residence

Refinance

Cash Out - Other

16.35

39.97

33319.64

.00

33319.64

Employed

3.5

2 YRS

20003.26

13316.38

Taxes and Insurance

44.96

244889.45

XXXX

70.0

XXXX

Conventional

Fixed

Super Kind - Non-QM

7.625

4360.01

1086.37

5446.38

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

244889.45

4163.72

102040

247

0.24431670600458502

4.75

XXXX

Manual Underwriting

4163.72

7.722

Yes

XXXX

xxxxxx2207

XXXX

US Citizen

Yes

XXXX

749

723

767

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

2561

Taxes and Insurance

14.39

15452.9

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

7.0

673.62

399.94

1073.56

XXXX

Fixed

360

XXXX

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

Retail

XXXX

Yes

XXXX

Two to Four Unit

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

0.0

5472.00

25930

255

0.15599950672092736

XXXX

Manual Underwriting

XXXX

xxxxxx5480

XXXX

US Citizen

Yes

XXXX

787

792

787

780

XXXX

US Citizen

false

XXXX

804

827

801

XXXX

12 Month Bank Statement

Primary Residence

Purchase

12.86

38.51

46085.28

.00

46085.28

Employed

Not Employed

7.67

Yes

28336.1

17749.18

Taxes and Insurance

26.76

158678.01

XXXX

80.0

XXXX

Conventional

Fixed

A+

6.375

5175.62

468.19

5928.81

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

1425.00

32100

275

0.11420560747663551

5.33

XXXX

Manual Underwriting

9032.0

6.492

XXXX

xxxxxx2113

XXXX

US Citizen

XXXX

804

797

825

804

XXXX

Permanent Non-US Citizen

false

XXXX

815

829

802

XXXX

Asset Utilization (DTI)

Primary Residence

Purchase

20.46

26.13

10939.90

1374.44

.00

12314.34

Employed

Not Employed

6.58

19.17

2 YRS

9096.34

3218

Taxes and Insurance

5.11

12879.68

XXXX

75.55

XXXX

Conventional

Fixed

A+

6.5

1953.03

494.52

2519.22

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

1295.00

50000

425

0.027595818815331012

6.83

XXXX

Manual Underwriting

1405.0

6.591

XXXX

xxxxxx7099

XXXX

US Citizen

XXXX

807

797

809

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Rate and Term

.00

1308

Taxes and Insurance

10.03

15663.48

XXXX

70.0

XXXX

DSCR

Fixed

Kind - DSCR

6.75

1089.64

472.67

1562.31

XXXX

Fixed

360

XXXX

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

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

166.32

28700

264

0.0675679347826087

XXXX

Manual Underwriting

XXXX

xxxxxx5171

XXXX

US Citizen

Yes

XXXX

812

808

832

812

XXXX

12 Month Bank Statement

Primary Residence

Purchase

28.4

22504.92

.00

22504.92

Employed

10.92

16112.88

6392.04

No Escrow

46.77

298944.15

XXXX

80.0

XXXX

Conventional

Fixed

A+

6.625

5300.0

6392.04

XXXX

Fixed

240

360

XXXX

Yes

120

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

4026.60

25000

378

0.83

XXXX

Manual Underwriting

16425.0

6.731

XXXX

xxxxxx4043

XXXX

US Citizen

XXXX

759

750

759

770

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

1892

Taxes and Insurance

146.46

736509.65

XXXX

74.97

XXXX

DSCR

Fixed

Kind - DSCR

7.5

4662.5

291.17

5028.67

XXXX

Fixed

240

360

XXXX

Yes

120

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

736509.65

1475.95

37901

376

0.28036526603093304

XXXX

Manual Underwriting

XXXX

xxxxxx1801

XXXX

US Citizen

XXXX

788

779

791

XXXX

US Citizen

false

XXXX

798

770

798

800

XXXX

Asset Depletion – Debt Ratio Calculation

Primary Residence

Purchase

21.31

34.36

12387.18

.00

12387.18

Not Employed

2 YRS

8131.36

4255.82

Taxes and Insurance

125.66

331711.24

XXXX

75.87

XXXX

Conventional

Fixed

A+

7.375

2085.59

131.24

2639.82

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Townhouse

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

1425.00

50314

431

0.05966434176111596

0.25

XXXX

Manual Underwriting

9729.01

7.545

XXXX

xxxxxx1611

XXXX

US Citizen

Yes

XXXX

783

787

773

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Rate and Term

.00

366

Taxes and Insurance

86.45

156324.51

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

7.125

1414.81

376

1808.31

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

1324.51

1207.50

12284

313

0.013669306749029081

1.17

XXXX

Manual Underwriting

XXXX

xxxxxx2691

XXXX

Permanent Non-US Citizen

Yes

XXXX

788

798

762

XXXX

12 Month Bank Statement

Primary Residence

Purchase

18.81

44.74

21720.00

.00

21720.00

Employed

7.67

2 YRS

12001.52

9718.48

Taxes and Insurance

11.97

48910.84

XXXX

55.49

XXXX

Conventional

Fixed

A+

6.5

3033.93

378.46

4086.39

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

8025.00

49400

135

0.15481042654028437

XXXX

Manual Underwriting

11025.0

6.725

XXXX

xxxxxx1841

XXXX

US Citizen

Yes

XXXX

702

698

726

702

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

9166

Taxes and Insurance

5.22

967374.92

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

6.75

9281.25

2265.47

12719.72

XXXX

Fixed

240

360

XXXX

Yes

120

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

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

0.0

18150.00

137437

270

0.7813806413301663

XXXX

Manual Underwriting

XXXX

xxxxxx2256

XXXX

US Citizen

XXXX

700

674

700

715

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

1581.35

Taxes and Insurance

93.24

154656.33

XXXX

65.0

XXXX

DSCR

Fixed

Low Ratio - DSCR

7.5

1149.86

508.78

1658.63

XXXX

Fixed

360

XXXX

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

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

141754.71

.00

30000

330

0.4824839097901732

XXXX

Manual Underwriting

XXXX

xxxxxx2039

XXXX

US Citizen

XXXX

677

703

670

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

5660

Taxes and Insurance

447.29

1148091.96

XXXX

65.0

XXXX

DSCR

Fixed

Kind - DSCR

8.25

2010.94

523.67

2566.77

XXXX

Fixed

240

360

XXXX

Yes

120

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

4985.00

26050

159

0.9949822820694543

0.67

XXXX

Manual Underwriting

XXXX

xxxxxx9661

XXXX

US Citizen

Yes

XXXX

751

763

751

736

XXXX

1YR Business P&L

Primary Residence

Purchase

45.31

48.9

8715.17

.00

8715.17

Employed

2.5

2 YRS

4453.17

4262

Taxes and Insurance

3.89

15371.37

XXXX

64.98

XXXX

Conventional

Fixed

A+

7.0

2723.58

782.42

3949

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Condominium

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

7053.89

29000

314

0.05037653874004345

1.5

XXXX

Manual Underwriting

12682.79

7.307

XXXX

xxxxxx5444

XXXX

US Citizen

Yes

XXXX

763

761

794

XXXX

US Citizen

Yes

false

XXXX

767

750

792

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

4758

Taxes and Insurance

4.81

13344.89

XXXX

80.0

XXXX

DSCR

Fixed

Kind - DSCR

7.125

2364.16

329.46

2775.62

XXXX

Fixed

240

360

XXXX

Yes

120

6 months interest on amount that exceeds 20%

Retail

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

1170.00

39279

330

0.13662729658792652

XXXX

Manual Underwriting

XXXX

xxxxxx2684

XXXX

US Citizen

Yes

XXXX

760

767

722

760

XXXX

1YR Business P&L

Primary Residence

Purchase

32.59

40.97

8555.16

.00

8555.16

Employed

8.75

2 YRS

5049.79

3505.37

Taxes and Insurance

16.19

45136.22

XXXX

80.0

XXXX

Conventional

Fixed

A+

7.375

1823.38

514.98

2788.37

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Condominium

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

7415.00

6684

119

0.07668067226890757

XXXX

Manual Underwriting

7415.0

7.820

XXXX

xxxxxx5746

XXXX

US Citizen

XXXX

707

702

709

707

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

5793

Taxes and Insurance

120.53

188952.61

XXXX

69.33

XXXX

DSCR

Fixed

Kind - DSCR

7.0

1213.33

354.36

1567.69

XXXX

Fixed

240

360

XXXX

Yes

120

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

188952.61

12552.50

31168

368

0.6740522698064813

XXXX

Manual Underwriting

XXXX

xxxxxx6073

XXXX

US Citizen

Yes

XXXX

798

808

773

798

XXXX

US Citizen

false

XXXX

789

791

789

777

XXXX

12 Month Bank Statement

Primary Residence

Purchase

16.36

41.57

28117.72

.00

28117.72

Employed

Not Employed

11.5

16428.62

11689.1

Taxes and Insurance

4.51

20737.6

XXXX

80.0

XXXX

Conventional

Fixed

A+

6.75

3969.42

531.77

4601.19

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

1884.00

22872

304

0.09666315704219648

8.83

XXXX

Manual Underwriting

6.818

XXXX

xxxxxx2014

XXXX

US Citizen

XXXX

677

703

670

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

5660

Taxes and Insurance

482.28

1160464.4

XXXX

65.0

XXXX

DSCR

Fixed

Kind - DSCR

8.25

1876.88

467.33

2406.21

XXXX

Fixed

240

360

XXXX

Yes

120

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

3545.00

26050

159

0.9949822820694543

XXXX

Manual Underwriting

XXXX

xxxxxx1286

XXXX

US Citizen

XXXX

783

787

773

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

31888

No Escrow

193.35

371420.97

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

7.125

1414.81

1921

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

202358.44

3272.00

12284

313

0.01006734082565708

1.17

XXXX

Manual Underwriting

7.302

Yes

XXXX

xxxxxx9540

XXXX

US Citizen

XXXX

756

735

773

756

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

631

No Escrow

136.41

294053.13

XXXX

56.84

XXXX

DSCR

Fixed

Low Ratio - DSCR

7.375

1659.38

2155.68

XXXX

Fixed

240

360

XXXX

Yes

120

5%, 5%, 5%

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

262959.25

4495.00

23000

425

0.5703809523809524

1.58

XXXX

Manual Underwriting

XXXX

xxxxxx3427

XXXX

US Citizen

Yes

XXXX

686

713

661

XXXX

12 Month Bank Statement

Primary Residence

Purchase

20.8

29.29

13015.21

.00

13015.21

Employed

5.67

3 YRS

9203.5

3811.71

Taxes and Insurance

8.31

56639.13

XXXX

80.0

XXXX

Conventional

Fixed

A+

7.5

1901.86

805.85

2707.71

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

6865.00

148782

311

0.0802808988764045

XXXX

Manual Underwriting

10945.0

7.831

XXXX

xxxxxx3917

XXXX

US Citizen

XXXX

793

824

788

XXXX

US Citizen

false

XXXX

788

820

786

XXXX

Asset Utilization (DTI)

Second Home

Refinance

Cash Out - Other

17.68

37.61

12497.72

.00

12497.72

Not Employed

Yes

7797.78

4699.94

Taxes and Insurance

133.18

314952.5

XXXX

51.13

XXXX

Conventional

Fixed

A+

7.125

2135.69

229.25

2364.94

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

311361.89

1425.00

34000

223

0.06752

XXXX

Manual Underwriting

7.218

XXXX

xxxxxx3756

XXXX

US Citizen

XXXX

803

804

803

793

XXXX

Asset Utilization (No DTI)

Primary Residence

Purchase

.00

Not Employed

4888.51

Taxes and Insurance

304.88

1045267.31

XXXX

33.33

XXXX

Conventional

Fixed

A+

6.875

2627.72

800.79

3428.51

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

1425.00

25000

345

0.05367668097281831

2.08

XXXX

Manual Underwriting

7425.0

7.108

XXXX

xxxxxx5744

XXXX

US Citizen

XXXX

707

702

709

707

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

2718

Taxes and Insurance

103.17

182901

XXXX

63.09

XXXX

DSCR

Fixed

Kind - DSCR

7.25

1364.35

338.51

1772.86

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

75871.93

4925.00

31168

368

0.5757839403822678

XXXX

Manual Underwriting

XXXX

xxxxxx4704

XXXX

US Citizen

XXXX

683

689

683

677

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Cash Out - Other

.00

1200

Taxes and Insurance

115.44

273325.09

XXXX

70.0

XXXX

DSCR

Fixed

Kind - DSCR

8.375

2128.2

239.46

2367.66

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

Two to Four Unit

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

273325.09

1025.00

17910

0.814800261951539

XXXX

Manual Underwriting

XXXX

xxxxxx4969

XXXX

US Citizen

Yes

XXXX

814

817

814

793

XXXX

12 Month Bank Statement

Primary Residence

Purchase

3.46

4.39

104532.33

.00

104532.33

Employed

3 YRS

99944.73

4587.6

Taxes and Insurance

111.39

402294.72

XXXX

80.0

XXXX

Conventional

Fixed

Super Kind - Non-QM

6.75

2905.72

632.88

3611.6

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

2881.00

25042

286

0.002648251818577989

XXXX

Manual Underwriting

12625.0

6.862

XXXX

xxxxxx1844

XXXX

US Citizen

Yes

XXXX

671

695

671

665

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

5416.5

Taxes and Insurance

105543.72

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

8.5

1095.7

503.41

1599.11

XXXX

Fixed

360

XXXX

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

2458.13

2566664

278

0.5279075609143431

2.5

XXXX

Manual Underwriting

XXXX

xxxxxx3484

XXXX

US Citizen

XXXX

768

778

768

764

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

970

Taxes and Insurance

18.06

35597.77

XXXX

80.0

XXXX

DSCR

Fixed

Kind - DSCR

6.5

1516.96

453.86

1970.82

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

2100.00

17000

213

0.24497142857142856

3.5

XXXX

Manual Underwriting

XXXX

xxxxxx0990

XXXX

US Citizen

XXXX

815

825

804

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

Taxes and Insurance

4.63

11346.42

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

7.25

1699.22

752.44

2451.66

XXXX

Fixed

240

360

XXXX

Yes

120

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

1215.00

30000

227

0.004806312769010043

XXXX

Manual Underwriting

XXXX

xxxxxx3078

XXXX

US Citizen

Yes

XXXX

790

811

782

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

875

No Escrow

17.14

47978.2

XXXX

73.54

XXXX

DSCR

Fixed

Kind - DSCR

6.625

1515.47

2799.52

XXXX

Fixed

240

360

XXXX

Yes

120

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

3924.26

35000

449

0.20981818181818182

2.17

XXXX

Manual Underwriting

XXXX

xxxxxx2161

XXXX

US Citizen

XXXX

774

776

774

756

XXXX

US Citizen

false

XXXX

773

767

799

773

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

7041

No Escrow

25.32

104814.77

XXXX

80.0

XXXX

DSCR

Fixed

Kind - DSCR

6.875

2995.6

4139.36

XXXX

Fixed

360

XXXX

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

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

0.0

2275.44

18483

326

0.22767619047619048

3.08

XXXX

Manual Underwriting

XXXX

xxxxxx7606

XXXX

US Citizen

Yes

XXXX

606

593

610

606

XXXX

US Citizen

Yes

false

XXXX

704

715

679

XXXX

12 Month Bank Statement

Primary Residence

Refinance

Cash Out - Other

19.46

36.8

26461.63

.00

52923.26

Employed

32.58

2 YRS

33445.74

19477.52

No Escrow

15.99

164683.51

XXXX

80.0

XXXX

Conventional

Fixed

A+

7.875

8505.76

10300.52

XXXX

Fixed

480

XXXX

No Prepayment Penalty

Retail

XXXX

Yes

XXXX

Single Family Detached

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

170984.51

2094.00

497563

269

0.4463927398759577

3.42

XXXX

Manual Underwriting

2094.0

7.930

XXXX

xxxxxx4271

XXXX

US Citizen

XXXX

779

751

797

779

XXXX

US Citizen

false

XXXX

813

806

809

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

5862

Taxes and Insurance

556.76

1330993.32

XXXX

80.0

XXXX

DSCR

Fixed

Kind - DSCR

7.375

1573.33

817.28

2390.6

XXXX

Fixed

240

360

XXXX

Yes

120

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

10617.95

40000

345

0.8338568179356656

XXXX

Manual Underwriting

XXXX

xxxxxx9820

XXXX

US Citizen

XXXX

772

775

762

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

422

No Escrow

3.42

10987.77

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

6.625

2186.25

3213.15

XXXX

Fixed

240

360

XXXX

Yes

120

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

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

6138.00

23394

274

0.2304070398279861

XXXX

Manual Underwriting

XXXX

xxxxxx5272

XXXX

Non-Permanent Non-US Citizen

XXXX

670

650

691

670

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Rate and Term

.00

4233

No Escrow

20.44

45907.89

XXXX

68.3

XXXX

DSCR

Fixed

Kind - DSCR

6.875

1622.79

2246.06

XXXX

Fixed

480

XXXX

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

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Collateral Underwriter (CU)

XXXX

None

ATR/QM: Exempt

0.0

4057.15

27500

0.47827834765733296

2.08

XXXX

Manual Underwriting

XXXX

xxxxxx5683

XXXX

Non-Permanent Non-US Citizen

XXXX

670

650

691

670

XXXX

Debt Service Coverage Ratio

Investment

Refinance

Rate and Term

.00

9996

No Escrow

15.01

48036.03

XXXX

59.98

XXXX

DSCR

Fixed

Kind - DSCR

6.875

2167.19

3199.58

XXXX

Fixed

480

XXXX

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

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

5000.0

.00

27500

0.48027561247216033

2.08

XXXX

Manual Underwriting

XXXX

xxxxxx5507

XXXX

US Citizen

XXXX

675

714

660

675

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

677

Taxes

3.26

8584.93

XXXX

75.0

XXXX

DSCR

Fixed

Kind - DSCR

7.125

2172.74

285.77

2633.51

XXXX

Fixed

360

XXXX

5%, 5%, 5%

Retail

XXXX

Yes

XXXX

Two to Four Unit

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

0.0

13991.88

5000

121

0.49977941176470586

1.17

XXXX

Manual Underwriting

XXXX

xxxxxx3269

XXXX

US Citizen

Yes

XXXX

790

795

790

785

XXXX

12 Month Bank Statement

Investment

Purchase

3.26

14.34

47200.00

.00

47200.00

Employed

8.08

2 YRS

40431.77

6768.23

Taxes and Insurance

496.51

1502284.74

XXXX

50.0

XXXX

Conventional

Fixed

Super Kind - Non-QM

7.0

1563.46

1462.22

3025.68

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Desk Review

XXXX

None

ATR/QM: Exempt

0.0

5556.30

21925

246

0.17806342163643482

3.33

XXXX

Manual Underwriting

XXXX

xxxxxx0102

XXXX

US Citizen

XXXX

670

684

670

666

XXXX

Debt Service Coverage Ratio

Investment

Purchase

.00

8783.91

Taxes and Insurance

24.09

62592.79

XXXX

73.59

XXXX

DSCR

Fixed

Kind - DSCR

7.0

1974.58

435.02

2598.6

XXXX

Fixed

240

360

XXXX

Yes

120

5%, 5%, 5%

Wholesale

XXXX

Yes

XXXX

PUD

XXXX

Loan Collateral Advisor (LCA)

XXXX

None

ATR/QM: Exempt

0.0

13949.50

25000

221

0.19237760922710462

1.5

XXXX

Manual Underwriting

XXXX

xxxxxx5927

XXXX

US Citizen

XXXX

809

822

808

XXXX

Asset Utilization (DTI)

Primary Residence

Purchase

28.73

41.7

10530.81

.00

10530.81

Not Employed

2 YRS

6138.95

4391.86

Taxes and Insurance

189.71

574048.37

XXXX

80.0

XXXX

Conventional

Fixed

A+

7.125

2586.54

439.32

3025.86

XXXX

Fixed

360

XXXX

No Prepayment Penalty

Wholesale

XXXX

Yes

XXXX

Single Family Detached

XXXX

Desk Review

XXXX

None

Non-QM: Lender documented all ATR UW factors

0.0

3474.48

21600

174

XXXX

Manual Underwriting

7.231

XXXX

Loan ID

Seller Loan ID

Investor Loan ID

Loan Program

Guideline Product Name

Originator Name

Originating Entity CDFI Flag

Guideline Name

Guideline Author

Guideline Date

Guideline Version

Application Date

TILA Status

TRID

GSE

Verified Safe Harbor Flag

Verified Safe Harbor Reference Document

QM Regulation Failures

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

AUS Decision System

Rating Result

Property Inspection Waiver (PIW)

Calculated APR

HUD 1 Page 1 Credits Total

Verified Qualifying Rate

Originator Qualifying Rate

Qualifying P&I

Default Interest Rate Present

Default Interest Rate

Annual Property Tax

Monthly Property Tax

Annual Insurance Costs

Monthly Insurance Cost

Annual HOA Costs

Monthly HOA Costs

Monthly Other Costs

PITIA

Residual Income

HOA Questionnaire Flag

HOA Name

HOA Address State

HOA Fee Amount

HOA Next Due Date

HOA Payment Frequency

Originator DTI

TPR Verified DTI

QM DTI

Is Borrower Non Occupant

Is Co Borrower Non Occupant

Co Borrower 2 Asset Verification Level

Co Borrower 3 Asset Verification Level

Co Borrower 2 Income Verification Level

Co Borrower 3 Income Verification Level

Co Borrower 2 Employment Verification Level

Co Borrower 3 Employment Verification Level

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower 2 Length of Employment

Co Borrower 3 Length of Employment

Document Level

Borrower Years of W2s/1099

CoBorrower Years of W2s/1099

Borrower Months of Paystubs Verified

Co Borrower Months of Paystubs Verified

Borrower Employment Gap Letter

Borrower Months of Employment Gap

Co Borrower Employment Gap Letter

Co Borrower Months of Employment Gap

Borrower Years of Personal Tax Returns

Borrower Years of Business Tax Returns

CoBorrower Years of Personal Tax Returns

CoBorrower Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Borrower Award/Offer Letter

Co Borrower Award/Offer Letter

Asset Depletion Flag

Partial Asset Depletion Flag

Asset Depletion Months Amortized

Asset Utilization Flag (No DTI)

Borrower Bank Statements Flag

Borrower Bank Statement Summary/Lender Worksheet

Borrower Number of Personal Bank Statements

Borrower Number of Business Bank Statements

CoBorrower Bank Statements Flag

Co Borrower Bank Statement Summary/Lender Worksheet

CoBorrower Number of Personal Bank Statements

CoBorrower Number of Business Bank Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

Bespoke Eligible Assets

Borrower P&L Type

Borrower Number of Months P&L

Borrower P&L Prepared By

CoBorrower P&L Type

CoBorrower P&L Prepared By

CoBorrower Number of Months P&L

Borrower CPA Letter Flag

# of Months CPA verified income

CoBorrower CPA Letter Flag

CoBorrower # of Months CPA verified income

Borrower WVOE Flag

Borrower # of Months Employment Validated WVOE

Borrower # of Months Income Validated WVOE

Borrower WVOE Form Type

CoBorrower WVOE Flag

CoBorrower # of Months WVOE

CoBorrower # of Months Income Validated WVOE

CoBorrower WVOE Form Type

DSCR Flag

TPR DSCR

Originator DSCR

Expense Letter

Income Doc Detail

Tax Return Doc Details

Property Address

Property City

Property State

Property Zip

Property County

Original Credit Report Date

Borrower 1 Credit Report Date

Borrower 2 Credit Report Date

Borrower 3 Credit Report Date

Borrower 4 Credit Report Date

xxxxxx7715

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.875%

$12,507.45

$15,965.52

$1,330.46

$4,629.00

$385.75

$0.00

$14,223.66

$86,583.87

N/A

XXXX

$0.00

XXXX

46.33%

35.79%

Yes

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), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024

Borrower - 2 YRS Executed 4506T Verified - 2025, 2024

XXXX

xxxxxx1779

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

8274.0

12/17/2025

6.270%

Manual Underwriting

6.907%

6.750%

$1,945.79

$3,024.24

$252.02

$5,110.32

$425.86

$0.00

$2,623.67

$15,961.73

N/A

XXXX

$0.00

XXXX

23.29%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower

Borrower - Executed 4506T Verified - 2024, 2025 || Co Borrower

XXXX

xxxxxx3247

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12150.0

12/29/2025

6.250%

Manual Underwriting

7.100%

7.000%

$2,594.68

$9,446.88

$787.24

$2,904.96

$242.08

$0.00

$3,624.00

$11,202.00

N/A

XXXX

$0.00

XXXX

33.53%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024

Borrower - 2 YRS Executed 4506T Verified - 2025, 2024

XXXX

xxxxxx2175

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

01/07/2026

6.190%

Manual Underwriting

7.970%

7.875%

$3,842.87

$2,401.56

$200.13

$1,710.96

$142.58

$0.00

$4,185.58

$5,545.42

N/A

XXXX

$0.00

XXXX

43.54%

43.62%

Self-Employed

Employed

12 Month Bank Statement

2 YRS W2

2+ Months

N/A

Yes

65.80%

100.00%

0.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

XXXX

xxxxxx5926

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

2366.56

02/24/2026

5.990%

Manual Underwriting

8.096%

7.875%

$2,050.13

$1,191.36

$99.28

$1,977.24

$164.77

$0.00

$2,314.18

$6,123.02

N/A

XXXX

$0.00

XXXX

28.69%

Employed

2YR Full Doc

2 YRS 1099

2+ Months

N/A

Yes

0.00%

Proceeds from Sale

N/A

Yes

Work Number

N/A

Borrower - SSI and Disability, Retirement, Wage - 2 YRS 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, Award Letter Verified - 2024, 2025, 2026

Borrower - 1 YR Executed 4506T Verified - 2024, 2025, 2026

XXXX

xxxxxx5247

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$2,025.00

$2,438.88

$203.24

$2,508.00

$209.00

$0.00

$2,437.24

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

0.944

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

xxxxxx6315

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.250%

$1,847.15

$5,409.00

$450.75

$1,236.96

$103.08

$0.00

$2,400.98

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.208

1.211

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

xxxxxx6481

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,488.72

$2,672.04

$222.67

$3,606.96

$300.58

$879.96

$73.33

$0.00

$2,085.30

N/A

XXXX

$73.33

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.103

1.106

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

xxxxxx9112

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

4163.72

02/20/2026

6.100%

Manual Underwriting

7.722%

7.625%

$4,360.01

$8,614.44

$717.87

$4,422.00

$368.50

$0.00

$5,446.38

$20,003.26

N/A

XXXX

$0.00

XXXX

39.97%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

XXXX

xxxxxx2207

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$673.62

$3,690.24

$307.52

$1,109.04

$92.42

$0.00

$1,073.56

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.397

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

xxxxxx5480

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9032.0

03/02/2026

5.980%

Manual Underwriting

6.492%

6.375%

$5,175.62

$3,707.28

$308.94

$1,911.00

$159.25

$3,420.00

$285.00

$0.00

$5,928.81

$28,336.10

N/A

XXXX

$285.00

XXXX

Monthly

38.51%

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), 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) - Executed 4506T Verified, Business Bank Statements Verified - 2025 || Co Borrower

Borrower - Executed 4506T Verified - 2025 || Co Borrower

XXXX

xxxxxx2113

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

1405.0

02/20/2026

6.100%

Manual Underwriting

6.591%

6.500%

$1,953.03

$3,859.32

$321.61

$2,074.92

$172.91

$860.04

$71.67

$0.00

$2,519.22

$9,096.34

N/A

XXXX

$71.67

XXXX

Annually

26.13%

Employed

Not Employed

Asset Utilization (DTI)

2 YRS W2

1 Month

N/A

Yes

60.0

Yes

0.00%

N/A

Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - 2025, 2026

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

XXXX

xxxxxx7099

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$1,089.64

$3,600.00

$300.00

$2,072.04

$172.67

$0.00

$1,562.31

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.792

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

xxxxxx5171

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

16425.0

02/19/2026

6.100%

Manual Underwriting

6.731%

6.625%

$5,300.00

$10,600.44

$883.37

$1,352.04

$112.67

$1,152.00

$96.00

$0.00

$6,392.04

$16,112.88

N/A

XXXX

$96.00

XXXX

Monthly

36.97%

28.40%

36.97%

Self-Employed

12 Month Bank Statement

N/A

Yes

98.61%

100.00%

N/A

Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

XXXX

xxxxxx4043

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$4,662.50

$2,967.00

$247.25

$527.04

$43.92

$900.00

$75.00

$0.00

$5,028.67

N/A

XXXX

$75.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.084

N/A

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

XXXX

xxxxxx1801

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

9729.01

04/03/2026

6.430%

Manual Underwriting

7.545%

7.375%

$2,085.59

$378.24

$31.52

$1,196.52

$99.71

$5,076.00

$423.00

$0.00

$2,639.82

$8,131.36

N/A

XXXX

$423.00

XXXX

Monthly

34.36%

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, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified

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

XXXX

xxxxxx1611

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$1,414.81

$3,240.00

$270.00

$1,272.00

$106.00

$210.00

$17.50

$0.00

$1,808.31

N/A

XXXX

$17.50

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.189

1.128

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

xxxxxx2691

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

11025.0

04/03/2026

6.430%

Manual Underwriting

6.725%

6.500%

$3,033.93

$2,535.00

$211.25

$2,006.52

$167.21

$8,088.00

$674.00

$0.00

$4,086.39

$12,001.52

Yes

XXXX

$674.00

XXXX

Monthly

44.79%

44.74%

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, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

XXXX

xxxxxx1841

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$9,281.25

$22,440.00

$1,870.00

$4,745.64

$395.47

$14,076.00

$1,173.00

$0.00

$12,719.72

N/A

XXXX

$1,173.00

XXXX

Monthly

172.14%

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.474

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

xxxxxx2256

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$1,149.86

$4,763.28

$396.94

$1,341.96

$111.83

$0.00

$1,658.63

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.781

0.774

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

xxxxxx2039

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.250%

$2,010.94

$4,545.00

$378.75

$1,380.96

$115.08

$744.00

$62.00

$0.00

$2,566.77

N/A

XXXX

$62.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.091

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

xxxxxx9661

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12682.79

04/03/2026

6.430%

Manual Underwriting

7.307%

7.000%

$2,723.58

$8,000.04

$666.67

$1,389.00

$115.75

$5,316.00

$443.00

$0.00

$3,949.00

$4,453.17

Yes

XXXX

$443.00

XXXX

Monthly

48.90%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

Tax Preparer

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

XXXX

xxxxxx5444

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$2,364.16

$3,252.48

$271.04

$701.04

$58.42

$984.00

$82.00

$0.00

$2,775.62

N/A

XXXX

$82.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.009

N/A

XXXX

xxxxxx2684

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7415.0

04/01/2026

6.430%

Manual Underwriting

7.820%

7.375%

$1,823.38

$5,677.92

$473.16

$501.96

$41.83

$5,400.00

$450.00

$0.00

$2,788.37

$5,049.79

Yes

XXXX

$450.00

XXXX

Monthly

40.97%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025

Borrower - 2 YRS Executed 4506T Verified - 2024, 2025

XXXX

xxxxxx5746

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,213.33

$3,367.32

$280.61

$885.00

$73.75

$0.00

$1,567.69

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.021

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

xxxxxx6073

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

04/07/2026

6.430%

Manual Underwriting

6.818%

6.750%

$3,969.42

$4,234.20

$352.85

$2,147.04

$178.92

$1,200.00

$100.00

$0.00

$4,601.19

$16,428.62

N/A

XXXX

$100.00

XXXX

Monthly

41.61%

41.57%

Yes

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

33.33%

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 || Co Borrower

Borrower - 2025, 2026 || Co Borrower

XXXX

xxxxxx2014

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.250%

$1,876.88

$4,242.00

$353.50

$1,365.96

$113.83

$744.00

$62.00

$0.00

$2,406.21

N/A

XXXX

$62.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.164

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

xxxxxx1286

XXXX

ATR/QM: Exempt

N/A

04/07/2026

6.430%

Manual Underwriting

7.302%

7.125%

$1,414.81

$3,335.28

$277.94

$1,353.00

$112.75

$1,386.00

$115.50

$0.00

$1,921.00

N/A

XXXX

$115.50

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.119

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

xxxxxx9540

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$1,659.38

$4,235.52

$352.96

$1,720.08

$143.34

$0.00

$2,155.68

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.928

0.947

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

xxxxxx3427

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

10945.0

04/06/2026

6.430%

Manual Underwriting

7.831%

7.500%

7.875%

$1,901.86

$6,717.84

$559.82

$2,952.36

$246.03

$0.00

$2,707.71

$9,203.50

N/A

XXXX

$0.00

XXXX

29.83%

29.29%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026, 2025

Borrower - 3 YRS Executed 4506T Verified - 2026, 2025

XXXX

xxxxxx3917

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

03/26/2026

6.220%

Manual Underwriting

7.218%

7.125%

$2,135.69

$1,836.96

$153.08

$914.04

$76.17

$0.00

$2,364.94

$7,797.78

N/A

XXXX

$0.00

XXXX

37.61%

Yes

Not Employed

Asset Utilization (DTI)

N/A

60.0

Yes

N/A

0.00%

N/A

Borrower - Asset Depletion - Executed 4506T Verified - 2025 || Co Borrower

Borrower - Executed 4506T Verified - 2025 || Co Borrower

XXXX

xxxxxx3756

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

7425.0

03/27/2026

6.220%

Manual Underwriting

7.108%

6.875%

$2,627.72

$6,408.72

$534.06

$3,200.76

$266.73

$0.00

$3,428.51

N/A

XXXX

$0.00

XXXX

0.00%

Not Employed

Asset Utilization (No DTI)

N/A

Yes

N/A

0.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - N/A

Borrower

XXXX

xxxxxx5744

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.250%

$1,364.35

$3,172.08

$264.34

$890.04

$74.17

$840.00

$70.00

$0.00

$1,772.86

N/A

XXXX

$70.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.241

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

xxxxxx4704

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.375%

$2,128.20

$2,030.52

$169.21

$843.00

$70.25

$0.00

$2,367.66

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.056

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

xxxxxx4969

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

12625.0

04/07/2026

6.430%

Manual Underwriting

6.862%

6.750%

$2,905.72

$6,807.24

$567.27

$787.32

$65.61

$876.00

$73.00

$0.00

$3,611.60

$99,944.73

N/A

XXXX

$73.00

XXXX

Monthly

4.39%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 3 YRS Executed 4506T Verified - 2026, 2025

XXXX

xxxxxx1844

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

8.500%

$1,095.70

$4,716.00

$393.00

$1,324.92

$110.41

$0.00

$1,599.11

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.313

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

xxxxxx3484

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$1,516.96

$4,255.32

$354.61

$1,191.00

$99.25

$0.00

$1,970.82

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

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

xxxxxx0990

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$1,699.22

$6,626.88

$552.24

$2,402.40

$200.20

$0.00

$2,451.66

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

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

xxxxxx3078

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$1,515.47

$9,764.64

$813.72

$855.96

$71.33

$4,788.00

$399.00

$0.00

$2,799.52

N/A

XXXX

$399.00

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

xxxxxx2161

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$2,995.60

$11,744.40

$978.70

$1,254.72

$104.56

$726.00

$60.50

$0.00

$4,139.36

N/A

XXXX

$60.50

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.691

XXXX

xxxxxx7606

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

2094.0

04/01/2026

6.430%

Manual Underwriting

7.930%

7.875%

$8,505.76

$15,808.08

$1,317.34

$5,729.04

$477.42

$0.00

$10,300.52

$33,445.74

N/A

XXXX

$0.00

XXXX

36.80%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Yes

N/A

Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

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

XXXX

xxxxxx4271

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

$1,573.33

$7,735.68

$644.64

$2,071.56

$172.63

$0.00

$2,390.60

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

N/A

XXXX

xxxxxx9820

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.625%

$2,186.25

$8,153.76

$679.48

$4,169.04

$347.42

$0.00

$3,213.15

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.013

N/A

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

XXXX

xxxxxx5272

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$1,622.79

$5,030.28

$419.19

$1,959.00

$163.25

$489.96

$40.83

$0.00

$2,246.06

N/A

XXXX

$40.83

XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.082

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

xxxxxx5683

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

$2,167.19

$8,334.72

$694.56

$2,325.96

$193.83

$1,728.00

$144.00

$0.00

$3,199.58

N/A

XXXX

$144.00

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

xxxxxx5507

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.125%

$2,172.74

$3,429.24

$285.77

$2,100.00

$175.00

$0.00

$2,633.51

N/A

XXXX

$0.00

XXXX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.006

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

xxxxxx3269

XXXX

ATR/QM: Exempt

Yes

N/A

Manual Underwriting

7.000%

$1,563.46

$15,323.64

$1,276.97

$2,223.00

$185.25

$0.00

$3,025.68

$40,431.77

N/A

XXXX

$0.00

XXXX

20.75%

14.34%

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 - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

XXXX

xxxxxx0102

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$1,974.58

$3,652.20

$304.35

$1,568.04

$130.67

$2,268.00

$189.00

$0.00

$2,598.60

N/A

XXXX

$189.00

XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.001

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

xxxxxx5927

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Client Affirms Non-QM Status

04/02/2026

6.430%

Manual Underwriting

7.231%

7.125%

$2,586.54

$4,026.00

$335.50

$1,245.84

$103.82

$0.00

$3,025.86

$6,138.95

N/A

XXXX

$0.00

XXXX

41.70%

Not Employed

Asset Utilization (DTI)

N/A

Yes

60.0

Yes

0.00%

Stocks/Bonds

N/A

Borrower - SSI and Disability, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025, 2026

Borrower - 2 YRS Executed 4506T Verified - 2025, 2026

XXXX

Loan ID

Qualifying Credit Score

Third Wage Earner Original FICO Equifax

Third Wage Earner Original FICO Experian

Third Wage Earner Original FICO Transunion

Fourth Wage Earner Original FICO Equifax

Fourth Wage Earner Original FICO Experian

Fourth Wage Earner Original FICO Transunion

Most Recent Co Borrower 2 FICO

Most Recent Co Borrower 3 FICO

Updated Credit Report Flag

Updated Credit Report Date

Updated FICO Method

Primary Wage Earner Updated FICO Equifax

Primary Wage Earner Updated FICO Experian

Primary Wage Earner Updated FICO Transunion

Secondary Wage Earner Updated FICO Equifax

Secondary Wage Earner Updated FICO Experian

Secondary Wage Earner Updated FICO Transunion

Third Wage Earner Updated FICO Equifax

Third Wage Earner Updated FICO Experian

Third Wage Earner Updated FICO Transunion

Fourth Wage Earner Updated FICO Equifax

Fourth Wage Earner Updated FICO Experian

Fourth Wage Earner Updated FICO Transunion

Updated Primary Borrower FICO

Updated Co Borrower FICO

Updated Co Borrower 2 FICO

Updated Co Borrower 3 FICO

Updated Qualifying FICO

Most Recent Bankruptcy Type

Most Recent Bankruptcy Filing Date

Most Recent Bankruptcy Discharge Date

Number of Bankruptcy Events

Months Bankruptcy 7 11

Months Bankruptcy 13

Most Recent Deed in Lieu Date

Number of Deed in Lieu Events

Months Deed in Lieu

Most Recent Short Sale Date

Number of Short Sale Events

Months Short Sale (or Pre FC)

Most Recent Foreclosure Date

Number of Foreclosure Events

Months Foreclosure

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

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

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

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

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

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

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

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

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Is Equity Shared Loan

Subordinate Lien Type

Subordinate Lien Max Draw Amount (HELOC)

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

xxxxxx7715

714

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

97615.75

6.9

490319.88

34.5

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx1779

708

XXXX

Unknown

US Citizen

N/A

Other

USA Patriot Act Disclosure

United States of America (USA)

XXXX

N/A

XXXX

US Citizen

N/A

Other

USA PATRIOT ACT (DL)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

16314.71

6.2

79038.94

30.1

36.81

N/A

Borrower As Individual

N/A

xxxxxx3247

777

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

383561.08

105.8

51.52

N/A

Borrower As Individual

N/A

xxxxxx2175

703

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

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

12325.10

2.9

13707.68

3.3

73.82

N/A

Borrower As Individual

N/A

xxxxxx5926

654

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

36578.18

15.8

36578.18

15.8

65.0

N/A

Borrower As Individual

N/A

xxxxxx5247

772

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

358781.06

147.2

358781.06

147.2

69.9

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx6315

677

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

22638.42

9.4

22638.42

9.4

62.5

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx6481

749

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

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

104512.14

50.1

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

xxxxxx9112

698

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

244889.45

45.0

70.0

N/A

Borrower As Individual

N/A

xxxxxx2207

749

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

15452.90

14.4

15452.90

14.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx5480

787

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

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

158678.01

26.8

158678.01

26.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx2113

804

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

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

12879.68

5.1

12879.68

5.1

75.55

N/A

Borrower As Individual

N/A

xxxxxx7099

807

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

15663.48

10.0

15663.48

10.0

70.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx5171

812

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

298944.15

46.8

298944.15

46.8

80.0

N/A

Borrower As Individual

N/A

xxxxxx4043

759

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

736509.65

146.5

74.97

N/A

Yes

Borrower As Individual

N/A

xxxxxx1801

770

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

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

331711.24

125.7

331711.24

125.7

75.87

N/A

Borrower As Individual

N/A

xxxxxx1611

783

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

155000.00

85.7

156324.51

86.5

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx2691

788

XXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

XXXX

N/A

48910.84

12.0

48910.84

12.0

55.49

Yes

Borrower As Individual

N/A

XXXX

xxxxxx1841

702

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

967374.92

76.1

66443.58

5.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx2256

700

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

12901.62

7.8

154656.33

93.2

65.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx2039

677

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1148091.96

447.3

1148091.96

447.3

65.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx9661

751

XXXX

Unknown

US Citizen

N/A

Other

Patriot Act Form

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

15371.37

3.9

15371.37

3.9

64.98

Yes

Borrower As Individual

N/A

xxxxxx5444

763

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

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

13344.89

4.8

13344.89

4.8

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx2684

760

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

45136.22

16.2

45136.22

16.2

80.0

Yes

Borrower As Individual

N/A

xxxxxx5746

707

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

188952.61

120.5

69.33

N/A

Yes

Borrower As Individual

N/A

xxxxxx6073

798

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

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

20737.60

4.5

20737.60

4.5

80.0

N/A

Borrower As Individual

N/A

xxxxxx2014

677

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1160464.40

482.3

1160464.40

482.3

65.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx1286

783

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

169062.53

88.0

371420.97

193.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx9540

756

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

31093.88

14.4

294053.13

136.4

56.84

N/A

Yes

Borrower As Individual

N/A

xxxxxx3427

686

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

56639.13

20.9

22504.79

8.3

80.0

N/A

Borrower As Individual

N/A

xxxxxx3917

793

XXXX

Unknown

US Citizen

N/A

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

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

313590.61

132.6

314952.50

133.2

51.13

N/A

Borrower As Individual

N/A

xxxxxx3756

803

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1045267.31

304.9

1045267.31

304.9

33.33

N/A

Borrower As Individual

N/A

xxxxxx5744

707

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

182901.00

103.2

63.09

N/A

Yes

Borrower As Individual

N/A

xxxxxx4704

683

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

.00

0.0

273325.09

115.4

70.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx4969

814

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

402294.72

111.4

402294.72

111.4

80.0

N/A

Borrower As Individual

N/A

xxxxxx1844

671

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

105543.72

66.0

105543.72

66.0

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx3484

768

XXXX

Unknown

US Citizen

N/A

Other

USA Patriot Act Disclosure

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

35597.77

18.1

35597.77

18.1

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx0990

815

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

11346.42

4.6

11346.42

4.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx3078

790

XXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

47978.20

17.1

47978.20

17.1

73.54

N/A

Yes

Borrower As Individual

N/A

xxxxxx2161

756

XXXX

Unknown

US Citizen

N/A

Other

USA Patriot Act Disclosure

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

104814.77

25.3

104814.77

25.3

80.0

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx7606

715

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

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

164683.51

16.0

80.0

N/A

Borrower As Individual

N/A

xxxxxx4271

751

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

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

1330993.32

556.8

1330993.32

556.8

80.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx9820

772

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

10987.77

3.4

10987.77

3.4

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx5272

670

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

45907.89

20.4

45907.89

20.4

68.3

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx5683

670

XXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

Employment Authorization Card or Document

XXXX

Fee Simple

XXXX

N/A

48036.03

15.0

48036.03

15.0

59.98

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx5507

675

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

8584.93

3.3

8584.93

3.3

75.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx3269

790

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

1502284.74

496.5

1502284.74

496.5

50.0

N/A

Yes

Borrower As Individual

N/A

xxxxxx0102

670

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

62592.79

24.1

62592.79

24.1

73.59

N/A

Yes

Member on Behalf of Entity

N/A

xxxxxx5927

809

XXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States of America (USA)

XXXX

N/A

XXXX

Fee Simple

XXXX

N/A

574048.37

189.7

574048.37

189.7

80.0

N/A

Borrower As Individual

N/A

Loan ID

Seller Loan ID

Investor Loan ID

Seller Name

Loan Program

Documentation Type

Executed NOO Docs in File

Lease In Place Flag

Actual In Place Rent

Third Party Market Rent Estimate

Third Party Rent Source

Actual Short Term Rent Amount

Actual Short Term Rent Source

Short Term Rent Number of Months

Short Term Rental Occupancy Factor

Rental Income Used for Property DSCR Calculation

Rental Source for Property DSCR Calculation

DSCR Calculation Based On Short Rental Income Flag

Property DTI

Originator DSCR

TPR DSCR

PITIA

Gross Rental Income Unit 1

Lease End Date Unit 1

Lease Term Unit 1

Gross Rental Income Unit 2

Lease End Date Unit 2

Lease Term Unit 2

Gross Rental Income Unit 3

Lease End Date Unit 3

Lease Term Unit 3

Gross Rental Income Unit 4

Lease End Date Unit 4

Lease Term Unit 4

Gross Rental Income Unit 5

Lease End Date Unit 5

Lease Term Unit 5

Gross Rental Income Unit 6

Lease End Date Unit 6

Lease Term Unit 6

Gross Rental Income Unit 7

Lease End Date Unit 7

Lease Term Unit 7

Gross Rental Income Unit 8+

Rent Loss Insurance

Rent Loss Insurance Amount

Fee Amount

Acquisition Cost

Renovation Cost

Effective Gross Income

Turnover Costs

Repairs and Maintenance

Marketing and Leasing Costs

Utilities

Other Costs

Cap Ex Reserve

Section 8

Blanket Mortgage/Cross Collateral Flag

Number of Years Property Owned

Number of Mortgaged Properties With Lender

Number of Properties Securing Loan

Foreign National Alternative Credit Documentation

Months Reserves

Loan Closed in the name of Business Entity

Vested Business Entity Name

Vested Business Entity Type

Qualifying Primary Borrower Type

Qualifying Primary Borrower First Name

Qualifying Primary Borrower Last Name

Qualifying CoBorrower Type

Qualifying CoBorrower First Name

Qualifying CoBorrower Last Name

Qualifying CoBorrower 2 Type

Qualifying CoBorrower 2 First Name

Qualifying CoBorrower 2 Last Name

Qualifying CoBorrower 3 Type

Qualifying CoBorrower 3 First Name

Qualifying CoBorrower 3 Last Name

Non-Qualifying Guarantor 1 First Name

Non-Qualifying Guarantor 1 Last Name

Non-Qualifying Guarantor 1 Citizenship

Non-Qualifying Guarantor 1 Country Name

Non-Qualifying Guarantor 2 First Name

Non-Qualifying Guarantor 2 Last Name

Non-Qualifying Guarantor 2 Citizenship

Non-Qualifying Guarantor 2 Country Name

Personal Guaranty

Total Number of Guarantors

Personal Guaranty Recourse Level

Business Entity EIN

Primary Appraisal Occupancy

xxxxxx7715

XXXX

12 Month Bank Statement

Present

11000

Appraisal - 1025

N/A

11000

Appraisal - 1025

129.31

0.0

14223.66

Yes

106709

1175000

11000

3.9

N/A

34.47

XXXX

Vested Individual

XXXX

Vacant

xxxxxx5247

XXXX

Debt Service Coverage Ratio

Present

Yes

2300

2175

Appraisal - 1007

2300

Actual In Place Rent

105.97

1.02

0.944

2437.24

2300

04-01-2027

2300

0.3

N/A

147.21

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Vacant

xxxxxx6315

XXXX

Debt Service Coverage Ratio

Present

Yes

2850

2900

Appraisal - 1007

N/A

2900

Appraisal - 1007

82.79

1.211

1.208

2400.98

2850

04-27-2026

Yes

49700

2900

0.9

N/A

9.43

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Tenant

xxxxxx6481

XXXX

Debt Service Coverage Ratio

Present

Yes

2400

2300

Appraisal - 1007

N/A

2300

Appraisal - 1007

90.67

1.106

1.103

2085.3

2400

09-30-2026

Yes

45000

2300

3.7

N/A

50.12

XXXX

Individual

XXXX

Individual

XXXX

N/A

XXXX

Owner

xxxxxx2207

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

1500

Appraisal - 1025

1500

Appraisal - 1025

71.57

1.397

1073.56

Yes

9000

1500

0.2

N/A

14.39

XXXX

Vested Individual

XXXX

N/A

XXXX

Tenant

xxxxxx7099

XXXX

Debt Service Coverage Ratio

Present

2800

Appraisal - 1007

2800

N/A

2800

N/A

Yes

55.8

1.792

1562.31

Yes

39800

2800

2.9

N/A

10.03

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Tenant

xxxxxx4043

XXXX

Debt Service Coverage Ratio

Present

Yes

5450

5100

Appraisal - 1007

N/A

5450

Actual In Place Rent

92.27

1.084

5028.67

5450

10-01-2026

5450

7.4

N/A

146.46

XXXX

Vested Individual

XXXX

N/A

XXXX

Tenant

xxxxxx1611

XXXX

Debt Service Coverage Ratio

Present

Yes

2150

Appraisal - 1007

2150

Appraisal - 1007

84.11

1.128

1.189

1808.31

2150

05-18-2026

2150

2.6

N/A

86.45

Yes

XXXX

Corporation

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Tenant

xxxxxx1841

XXXX

Debt Service Coverage Ratio

Present

No - Owner Occupied

18750

Appraisal - 1007

18750

Appraisal - 1007

67.84

1.474

12719.72

Yes

125000

18750

5.6

N/A

5.22

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Owner

xxxxxx2256

XXXX

Debt Service Coverage Ratio

Present

1295

Appraisal - 1007

N/A

1295

Appraisal - 1007

128.08

0.774

0.781

1658.63

Yes

30000

1295

0.1

N/A

93.24

Yes

XXXX

Corporation

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Tenant

xxxxxx2039

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2800

Appraisal - 1007

N/A

2800

Appraisal - 1007

91.67

1.091

2566.77

Yes

50600

910283

2800

0.1

N/A

447.29

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Vacant

xxxxxx5444

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2800

Appraisal - 1007

2800

Appraisal - 1007

99.13

1.009

2775.62

Yes

45000

2800

0.2

N/A

4.81

XXXX

Vested Individual

XXXX

Vested Individual

XXXX

Vacant

xxxxxx5746

XXXX

Debt Service Coverage Ratio

Present

1600

Appraisal - 1007

N/A

1600

Appraisal - 1007

97.98

1.021

1567.69

1600

3.8

N/A

120.53

XXXX

Vested Individual

XXXX

Tenant

xxxxxx2014

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2800

Appraisal - 1007

N/A

2800

Appraisal - 1007

85.94

1.164

2406.21

Yes

50000

1407513

2800

0.2

N/A

482.28

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Vacant

xxxxxx1286

XXXX

Debt Service Coverage Ratio

Present

Yes

2150

Appraisal - 1007

N/A

2150

Actual In Place Rent

89.35

1.119

1921

2150

04-10-2026

2150

1.8

N/A

193.35

Yes

XXXX

Corporation

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Tenant

xxxxxx9540

XXXX

Debt Service Coverage Ratio

Present

Yes

2000

Appraisal - 1007

N/A

2000

Actual In Place Rent

107.78

0.947

0.928

2155.68

2000

09-30-2026

Yes

33578

2000

10.4

N/A

136.41

XXXX

Vested Individual

XXXX

Tenant

xxxxxx5744

XXXX

Debt Service Coverage Ratio

Present

2200

Appraisal - 1007

N/A

2200

Appraisal - 1007

80.58

1.241

1772.86

2200

16.4

N/A

103.17

XXXX

Vested Individual

XXXX

N/A

XXXX

Tenant

xxxxxx4704

XXXX

Debt Service Coverage Ratio

Present

Yes

2475

2500

Appraisal - 1025

N/A

2500

Appraisal - 1025

95.66

1.055

1.056

2367.66

1350

07-01-2025

1125

05-01-2026

Yes

29100

2500

N/A

115.44

XXXX

Vested Individual

XXXX

N/A

XXXX

Tenant

xxxxxx1844

XXXX

Debt Service Coverage Ratio

Present

Yes

2160

2100

Appraisal - 1007

2100

Appraisal - 1007

76.15

1.313

1599.11

2160

01-31-2027

2100

0.7

N/A

XXXX

Vested Individual

XXXX

Tenant

xxxxxx3484

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

1975

Appraisal - 1007

N/A

1975

Appraisal - 1007

99.79

1.002

1970.82

1975

6.1

N/A

18.06

XXXX

Vested Individual

XXXX

N/A

XXXX

Vacant

xxxxxx0990

XXXX

Debt Service Coverage Ratio

Present

No - Owner Occupied

2500

Appraisal - 1007

N/A

2500

Appraisal - 1007

98.07

1.02

2451.66

Yes

37000

2500

0.2

N/A

4.63

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

N/A

XXXX

Owner

xxxxxx3078

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2800

Appraisal - 1007

2800

Appraisal - 1007

99.98

1.0

2799.52

Yes

84900

2800

3.4

N/A

17.14

XXXX

Vested Individual

XXXX

Vacant

xxxxxx2161

XXXX

Debt Service Coverage Ratio

Present

No - Owner Occupied

7000

Appraisal - 1007

N/A

7000

Appraisal - 1007

59.13

1.691

4139.36

Yes

84000

7000

2.7

N/A

25.32

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Owner

xxxxxx4271

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2400

Appraisal - 1007

N/A

2400

Appraisal - 1007

99.61

1.004

2390.6

Yes

45400

2400

0.5

N/A

556.76

XXXX

Individual

XXXX

Individual

XXXX

Vacant

xxxxxx9820

XXXX

Debt Service Coverage Ratio

Present

No - Owner Occupied

3256

Appraisal - 1007

N/A

3256

Appraisal - 1007

98.68

1.013

3213.15

Yes

44380

3256

0.0

N/A

3.42

XXXX

Vested Individual

XXXX

N/A

XXXX

Owner

xxxxxx5272

XXXX

Debt Service Coverage Ratio

Present

Yes

2700

2430

Appraisal - 1007

N/A

2430

Appraisal - 1007

92.43

1.082

2246.06

2700

03-31-2027

Yes

37500

2430

1.4

N/A

20.44

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Tenant

xxxxxx5683

XXXX

Debt Service Coverage Ratio

Present

Yes

3200

3400

Appraisal - 1007

N/A

3200

Actual In Place Rent

99.99

1.0

3199.58

3200

10-31-2026

Yes

137700

505000

3200

1.3

N/A

15.01

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Tenant

xxxxxx5507

XXXX

Debt Service Coverage Ratio

Present

2650

Appraisal - 1025

N/A

2650

Appraisal - 1025

99.38

1.0

1.006

2633.51

Yes

47787

2650

16.0

N/A

3.26

XXXX

Individual

XXXX

Vacant

xxxxxx3269

XXXX

12 Month Bank Statement

Present

No - Vacant

N/A

0.0

3025.68

0.4

N/A

496.51

XXXX

Vested Individual

XXXX

Vacant

xxxxxx0102

XXXX

Debt Service Coverage Ratio

Present

No - Vacant

2600

Appraisal - 1007

2600

Appraisal - 1007

99.95

1.0

1.001

2598.6

Yes

31200

1180000

2600

1.3

N/A

24.09

Yes

XXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXX

Yes

Full Recourse

XXXX

Vacant

Loan ID	Seller Loan ID	Investor Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value	Comment
xxxxxx7715			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx7715			XXXX	Qualifying FICO	creditLiabilitiesPage	XXXX	XXXX	XXXX
xxxxxx7715			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx1779			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx1779			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx1779			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx3247			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx3247			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2175			XXXX	Qualifying FICO	creditLiabilitiesPage	XXXX	XXXX	XXXX
xxxxxx2175			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2175			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2175			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2175			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx2175			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx5926			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx5926			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx5926			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx5247			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx5247			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx5247			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx5247			XXXX	Calculated DSCR	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx6315			XXXX	Borrower 1 Self-Employment Flag	1003OcrPage	XXXX	XXXX	XXXX
xxxxxx6315			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx6315			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx6481			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx6481			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx6481			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9112			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx9112			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2207			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2207			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx5480			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx5480			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx5480			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx5480			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2113			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2113			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx2113			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2113			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx2113			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2113			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2113			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx2113			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx7099			XXXX	Borrower 1 Self-Employment Flag	1003OcrPage	XXXX	XXXX	XXXX
xxxxxx7099			XXXX	Prepayment Penalty Type	notePage	XXXX	XXXX	XXXX
xxxxxx7099			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx7099			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx5171			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx5171			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx5171			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx4043			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx4043			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx4043			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1801			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1801			XXXX	Qualifying FICO	creditLiabilitiesPage	XXXX	XXXX	XXXX
xxxxxx1801			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1801			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx1801			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx1801			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1801			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1801			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx1611			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1611			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1611			XXXX	Calculated DSCR	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2691			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2691			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx2691			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2691			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2691			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx1841			XXXX	Prepayment Penalty Type	notePage	XXXX	XXXX	XXXX
xxxxxx1841			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1841			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2256			XXXX	Borrower 1 Self-Employment Flag	1003OcrPage	XXXX	XXXX	XXXX
xxxxxx2256			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx2256			XXXX	Prepayment Penalty Type	notePage	XXXX	XXXX	XXXX
xxxxxx2256			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2256			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2039			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx2039			XXXX	Borrower 1 Self-Employment Flag	1003OcrPage	XXXX	XXXX	XXXX
xxxxxx2039			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx2039			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2039			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2039			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2039			XXXX	Calculated DSCR	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9661			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9661			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx9661			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9661			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9661			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx5444			XXXX	Prepayment Penalty Type	notePage	XXXX	XXXX	XXXX
xxxxxx5444			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx5444			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx5444			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx5444			XXXX	Calculated DSCR	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2684			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2684			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx2684			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2684			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2684			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx5746			XXXX	Borrower 1 Self-Employment Flag	1003OcrPage	XXXX	XXXX	XXXX
xxxxxx5746			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx5746			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx6073			XXXX	Borrower 2 Last Name	notePage	XXXX	XXXX	XXXX
xxxxxx6073			XXXX	Qualifying FICO	creditLiabilitiesPage	XXXX	XXXX	XXXX
xxxxxx6073			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx6073			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx6073			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx6073			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx6073			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx6073			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx2014			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx2014			XXXX	Borrower 1 Self-Employment Flag	1003OcrPage	XXXX	XXXX	XXXX
xxxxxx2014			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx2014			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx2014			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx2014			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx2014			XXXX	Calculated DSCR	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1286			XXXX	Property Type	propertyValuationPage	XXXX	XXXX	XXXX
xxxxxx1286			XXXX	Borrower 1 Self-Employment Flag	1003OcrPage	XXXX	XXXX	XXXX
xxxxxx1286			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx1286			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx1286			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx9540			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx9540			XXXX	Prepayment Penalty Type	notePage	XXXX	XXXX	XXXX
xxxxxx9540			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx9540			XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx9540			XXXX	Calculated DSCR	diligenceFinalLookPage	XXXX	XXXX	XXXX
xxxxxx3427			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx3427			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx3917			XXXX	Qualifying FICO	creditLiabilitiesPage	XXXX	XXXX	XXXX
xxxxxx3917			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx3917			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx3917			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx3917			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx3756			XXXX	Borrower 1 Self-Employment Flag	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx3756			XXXX	Interest Rate	notePage	XXXX	XXXX	XXXX
xxxxxx3756			XXXX	Note Date	notePage	XXXX	XXXX	XXXX
xxxxxx3756			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
xxxxxx3756			XXXX	Loan Program	businessPurposeApprovalandGuidelinePage	XXXX	XXXX	XXXX
xxxxxx5744			XXXX	Verified Doc Type	employmentIncomePage	XXXX	XXXX	XXXX
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