GS Mortgage Securities Corp. ABS-15G

Exhibit 99.2 - Schedule 5

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Subordinate Lien 2 Type Subordinate Lien 2 Max Draw Amount (HELOC) Subordinate Lien 3 Type Subordinate Lien 3 Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name
4968   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 12600.0 11/18/2025 6.230% Manual Underwriting Manual Underwriting No 7.236%   7.000% 7.000% $4,657.12 No   XXXX XXXX $3,306.24 $275.52 XXXX XXXX XXXX $6,447.38 $20,563.23 N/A XXXX TX XXXX XXXX Annually 30.32% 30.32% 30.32% No No             Not Employed Employed         Asset Utilization (DTI) 0 1 YR W2 NA 2+ Months N/A 0 N/A 0 0 0 0 0 2 0 NA NA No Yes 60.0 No No N/A 0 0 No Yes 0 0 0.00% 0.00% 0.00% Stocks/Bonds,Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified || Co Borrower - Wage, Asset Depletion - 1 YR W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 809                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   TX XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 1439818.68 223.3 1439818.68 223.3 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4969   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 11/25/2025 6.260% Manual Underwriting Manual Underwriting No 7.219%   7.125% 7.125% $1,886.41 No   XXXX XXXX $1,821.00 $151.75 XXXX XXXX XXXX $2,645.07 $34,157.63 N/A XXXX   XXXX XXXX   8.92% 8.92% 8.92% No No             Not Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No No N/A 0 0 Yes Yes 0 12 100.00%   100.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower || Co Borrower - SEPartnership, SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 723                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   NJ XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 252598.82 95.5 No 68.13 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4970   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 12/09/2025 6.220% Manual Underwriting Manual Underwriting No 6.667%   6.625% 6.625% $6,627.22 No   XXXX XXXX $7,619.16 $634.93 XXXX XXXX XXXX $9,696.59 $14,933.76 N/A XXXX   XXXX XXXX   37.81% 39.62% 39.62% No No             Employed Not Employed         1YR Full Doc 2 YRS W2 0 2+ Months NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 24 12 Work Number NA 0 0 N/A No 0   N/A Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2023, 2024, 2025 || Co Borrower Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2023, 2024, 2025 || Co Borrower XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 807                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 6464212.12 666.7 6464212.12 666.7 No 56.4 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4971   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 8138.0 12/10/2025 6.220% Manual Underwriting Manual Underwriting No 7.048%   6.875% 6.875% $1,970.79 No   XXXX XXXX $9,692.76 $807.73 XXXX XXXX XXXX $3,763.66 $44,375.99 N/A XXXX GA XXXX XXXX Annually 7.96% 7.96% 7.96% No               Not Employed           Asset Utilization (DTI) 0   NA   N/A 0     0 0     1 0 NA   No No 60.0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - Asset Depletion - Executed 4506T Verified - 2024, 2025 Borrower - Executed 4506T Verified - 2024, 2025 XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 805                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0   0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   GA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 2908418.22 772.8 3198982.65 850.0 No 23.08 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4972   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 12/09/2025 6.220% Manual Underwriting Manual Underwriting No 7.275%   7.250% 7.250% $4,408.07 No   XXXX XXXX $7,695.96 $641.33 XXXX XXXX XXXX $5,763.98 $24,345.86 N/A XXXX   XXXX XXXX   26.96% 26.96% 26.96% No No             Self-Employed Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 730                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 81242.74 14.1 81242.74 14.1 No 76.47 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4973   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 9068.94 12/01/2025 6.190% Manual Underwriting Manual Underwriting No 7.059%   7.000% 7.000% $2,270.34 No   XXXX XXXX $1,501.08 $125.09 XXXX XXXX XXXX $2,532.51 $6,545.10 N/A XXXX   XXXX XXXX   28.10% 28.10% 28.10% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX 768                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   ID United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 35819.81 14.1 35819.81 14.1 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4974   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 20350.0 01/20/2026 6.060% Manual Underwriting Manual Underwriting No 6.760%   6.750% 6.750% $12,971.64 No   XXXX XXXX $3,074.04 $256.17 XXXX XXXX XXXX $15,420.31 $24,738.08 N/A XXXX   XXXX XXXX   38.40% 38.40% 38.40% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 746                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 93630.72 6.1 93630.72 6.1 No 71.43 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4975   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.375% 7.375% $4,662.06 No   XXXX XXXX $2,289.00 $190.75 XXXX XXXX XXXX $5,899.41   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.136 1.135 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified 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 XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 781                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 663858.57 112.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
4976   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     7.375% 7.375% $2,812.77 No   XXXX XXXX $983.04 $81.92 XXXX XXXX XXXX $3,616.37 $65,223.29 Yes XXXX UT XXXX XXXX Monthly 17.25% 12.40% 12.40% Yes Yes             Self-Employed Not Employed         1YR Full Doc 0 0 NA NA N/A 0 N/A 0 1 1 0 0 2 0 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 48.91%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 || Co Borrower - 2 YRS Executed 4506T Verified Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 || Co Borrower - 2 YRS Executed 4506T Verified XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 764                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   ID United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   ID XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 15865.90 4.4 15865.90 4.4 No 75.0 Yes No No Yes Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4977   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.375% 6.375% $1,029.39 No   XXXX XXXX $2,097.72 $174.81 XXXX XXXX XXXX $1,911.63   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.308 1.308   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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 760                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   FL United States of America (USA) XXXX XXXX XXXX I-551 Permanent Resident Card  XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 121473.76 63.5 No 39.29 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4978   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.000% 7.000% $2,333.33 No   XXXX XXXX $1,079.04 $89.92 XXXX XXXX XXXX $2,900.81   N/A XXXX NV XXXX XXXX Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Stocks/Bonds   0           0 No     0 0       0   Yes 1.138 1.075   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 XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX 700                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NV United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 289247.50 99.7 289247.50 99.7 No 57.14 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4979   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.875% 7.875% $1,228.99 No   XXXX XXXX $500.04 $41.67 XXXX XXXX XXXX $1,527.99   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.44 1.44   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 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 750                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 33710.70 22.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4980   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.500% 7.500% $2,237.49 No   XXXX XXXX $813.00 $67.75 XXXX XXXX XXXX $2,838.24   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.057 1.057 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified 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 XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 796                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 26666.76 9.4 26666.76 9.4 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4981   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 11620.13 02/10/2026 6.130% Manual Underwriting Manual Underwriting No 7.103%   7.000% 7.000% $2,560.75 No   XXXX XXXX $941.04 $78.42 XXXX XXXX XXXX $3,443.44 $8,853.21 N/A XXXX PA XXXX XXXX Monthly 42.31% 42.31% 42.31% No No             Self-Employed Not Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA Yes No No 0 No Yes Yes 0 12 No Yes 0 0 76.48% 100.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 || Co Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 715                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   PA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   PA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 83261.77 24.2 83261.77 24.2 No 68.74 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4982   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt Yes No No N/A N/A       Manual Underwriting Manual Underwriting No     7.750% 7.750% $3,219.21 No   XXXX XXXX $1,385.16 $115.43 XXXX XXXX XXXX $3,885.32 $211,017.53 N/A XXXX   XXXX XXXX   7.00% 5.26% 5.26% Yes Yes             Self-Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No Yes Yes 0 12 No Yes 0 0 100.00% 100.00% 100.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   No Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 || Co Borrower - SECorporation - 3 YRS Executed 4506T Verified - 2025 Borrower - 3 YRS Executed 4506T Verified - 2025 || Co Borrower - 3 YRS Executed 4506T Verified - 2025 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 723                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 98671.68 25.4 98671.68 25.4 No 85.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4983   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $1,601.26 No   XXXX XXXX $3,152.88 $262.74 XXXX XXXX XXXX $2,168.17   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.031 1.031   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 XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 757                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 28437.96 13.1 28437.96 13.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4984   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.375% 6.375% $1,456.74 No   XXXX XXXX $1,533.00 $127.75 XXXX XXXX XXXX $2,161.58   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.238 1.238   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 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 813                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   FL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 68180.94 31.5 68180.94 31.5 No 68.08 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
4985   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 8.250% 8.250% $5,108.61 No   XXXX XXXX $2,145.00 $178.75 XXXX XXXX XXXX $6,100.47   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.065 1.065 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified 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 XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 682                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Other USA Patriot Act Disclosure  NJ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 243763.26 40.0 243763.26 40.0 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4986   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 01/30/2026 6.140% Manual Underwriting Manual Underwriting No 7.511%   7.375% 7.375% $1,761.22 No   XXXX XXXX $3,403.92 $283.66 XXXX XXXX XXXX $2,984.73 $5,108.27 N/A XXXX OH XXXX XXXX Annually 38.77% 38.77% 38.77% No No             Self-Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No Yes Yes 12 0 Yes Yes 12 0 100.00% 50.00% 50.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 || Co Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX 699                 No                                       7 XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OH United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   OH XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 8169.59 2.7 244957.01 82.1 No 33.77 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4987   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $3,012.02 No   XXXX XXXX $3,039.96 $253.33 XXXX XXXX XXXX $3,833.90   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.578 1.578 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified 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 XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 750                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 1 1 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 32550.55 8.5 32550.55 8.5 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4988   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 14925.0 02/03/2026 6.100% Manual Underwriting Manual Underwriting No 6.988%   6.875% 6.875% $3,941.57 No   XXXX XXXX $3,386.64 $282.22 XXXX XXXX XXXX $5,112.65 $6,724.35 N/A XXXX   XXXX XXXX   43.19% 43.19% 43.19% No No             Not Employed Not Employed         Asset Utilization (DTI) 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 60.0 No No Yes 0 0 No   0 0 0.00% 0.00%   Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - Asset Depletion - 2 YRS Executed 4506T 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 XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 806                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   WA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 1282568.42 250.9 1282568.42 250.9 No 60.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4989   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.125% 7.125% $1,513.28 No   XXXX XXXX $1,535.04 $127.92 XXXX XXXX XXXX $1,893.28   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.03 1.03   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 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 669                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 57046.72 30.1 281371.11 148.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
4990   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.250% 7.250% $1,688.39 No   XXXX XXXX $1,585.44 $132.12 XXXX XXXX XXXX $2,108.85   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.043 1.043 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified 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 XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 669                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 57046.72 27.1 57046.72 27.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
4991   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.625% 6.625% $1,320.64 No   XXXX XXXX $2,367.96 $197.33 XXXX XXXX XXXX $2,071.45   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.014 1.014   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 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 769                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 198079.12 95.6 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4992   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $1,491.23 No   XXXX XXXX $3,293.40 $274.45 XXXX XXXX XXXX $1,946.49   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.46 1.46   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 XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 781                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   PA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   PA XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 47016.80 24.2 47016.80 24.2 No 63.23 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4993   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     7.750% 7.750% $5,085.94 No   XXXX XXXX $3,888.96 $324.08 XXXX XXXX XXXX $6,416.59   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Proceeds from Sale   0           0 No     0 0       0   Yes 1.114 1.114   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 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 670                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 1 0 0 0 0 0 0 0 1 0 0 Unknown No             No US Citizen US Citizen N/A Passport   CA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 196568.18 30.6 196568.18 30.6 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4994   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $2,432.42 No   XXXX XXXX $1,247.04 $103.92 XXXX XXXX XXXX $2,872.27   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.114 1.114 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified 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 XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 723                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 1048548.21 365.1 1048548.21 365.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
4995   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 4700.0 02/03/2026 6.100% Manual Underwriting Manual Underwriting No 7.393%   7.250% 7.250% $1,603.11 No   XXXX XXXX $909.00 $75.75 XXXX XXXX XXXX $2,010.73 $31,248.00 N/A XXXX   XXXX XXXX   7.71% 7.98% 7.98% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SECorporation - Business Bank Statements Verified - 2025 Borrower - 2025 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 743                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   FL United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 50586.72 25.2 272075.54 135.3 No 60.57 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4996   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 1495.0 01/29/2026 6.140% Manual Underwriting Manual Underwriting No 7.413%   7.375% 7.375% $3,296.59 No   XXXX XXXX $2,331.96 $194.33 XXXX XXXX XXXX $3,988.40 $11,378.22 N/A XXXX   XXXX XXXX   36.62% 36.62% 36.62% No No             Self-Employed Not Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025 || Co Borrower - 2 YRS Executed 4506T Verified Borrower - 2 YRS Executed 4506T Verified - 2026, 2025 || Co Borrower - 2 YRS Executed 4506T Verified XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX 713                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   WI United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   WI XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 33745.85 8.5 33745.85 8.5 No 66.76 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
4997   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 02/06/2026 6.100% Manual Underwriting Manual Underwriting No 7.649%   7.500% 7.500% $1,764.47 No   XXXX XXXX $2,963.04 $246.92 XXXX XXXX XXXX $2,507.61 $4,150.92 N/A XXXX   XXXX XXXX   44.34% 44.23% 44.23% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%   Proceeds from Sale N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 Borrower - 2024, 2025 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 672                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   PA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 50673.76 20.2 50673.76 20.2 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4998   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 7.375% 7.375% $1,243.22 No   XXXX XXXX $1,590.96 $132.58 XXXX XXXX XXXX $1,538.52   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.137 1.137 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified 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 XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 663                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Standard Driver's License - Not for federal use   VA United States of America (USA) XXXX XXXX XXXX I-551 Permanent Resident Card  XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 38792.97 25.2 38792.97 25.2 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
4999   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 02/11/2026 6.130% Manual Underwriting Manual Underwriting No 7.730%   7.375% 7.375% $1,748.79 No   XXXX XXXX $1,571.04 $130.92 XXXX XXXX XXXX $2,015.96 $9,090.79 N/A XXXX   XXXX XXXX   19.11% 19.11% 19.11% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 713                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Non Permanent Resident Alien Non-Permanent Non-US Citizen N/A Standard Driver's License - Not for federal use   SC United States of America (USA) XXXX XXXX XXXX Employment Authorization Card or Document XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 97609.17 48.4 97609.17 48.4 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
5000   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $1,654.94 No   XXXX XXXX $582.00 $48.50 XXXX XXXX XXXX $1,956.55   N/A XXXX VA XXXX XXXX Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Stocks/Bonds   0           0 No     0 0       0   Yes 1.176 1.176 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified 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 XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 776                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   VA United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 46918.66 24.0 46918.66 24.0 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
5001   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.250% 6.250% $1,579.31 No   XXXX XXXX $3,852.96 $321.08 XXXX XXXX XXXX $2,325.49   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.204 1.204   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 XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 762                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CT United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A .00 0.0 238978.33 102.8 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
5002   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     8.750% 8.750% $2,643.31 No   XXXX XXXX $3,891.00 $324.25 XXXX XXXX XXXX $3,455.18   N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.245 1.245   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 XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 681                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Non Permanent Resident Alien Non-Permanent Non-US Citizen N/A Real ID Driver's License   MA United States of America (USA) XXXX XXXX XXXX Employment Authorization Card or Document XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 21170.25 6.1 21170.25 6.1 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
5003   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 3985.0 02/13/2026 6.130% Manual Underwriting Manual Underwriting No 7.807%   7.500% 7.500% $1,160.00 No   XXXX XXXX $2,211.96 $184.33 XXXX XXXX XXXX $1,480.18 $2,863.12 N/A XXXX   XXXX XXXX   49.35% 49.35% 49.35% No               Self-Employed           24 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 24 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 687                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   SC United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 108228.31 73.1 108228.31 73.1 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
5004   XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.875% 6.875% $2,277.34 No   XXXX XXXX $891.24 $74.27 XXXX XXXX XXXX $2,567.67   N/A XXXX AZ XXXX XXXX Monthly 0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.052 1.052 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 744                 No                                       NA XXXX XXXX 0 XXXX XXXX XXXX 0 XXXX XXXX 0 XXXX XXXX 0 XXXX 0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AZ United States of America (USA) XXXX XXXX XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   AZ XXXX XXXX XXXX XXXX N/A XXXX XXXX             XXXX XXXX XXXX XXXX   XXXX XXXX             XXXX XXXX   XXXX   XXXX XXXX Fee Simple XXXX No No N/A 286980.32 111.8 293998.78 114.5 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX