Exhibit 99.3
EXECUTIVE
SUMMARY
Third Party Due Diligence Review
Overview
Consolidated Analytics, Inc (“Consolidated Analytics”), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by Santander Bank, N.A. through a bulk purchase. The review included a total of 74 newly originated residential mortgage loans acquired through a bulk purchase in connection with the securitization identified as SAN 2026-NQM6 (the “Securitization”). The Review was conducted from March 2026 through June 2026 on mortgage loans originated between March 2026 and May 2026.
Scope of Review
Credit Review
Consolidated Analytics performed a “Credit Review” to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.
The Credit Review attempted to confirm the following:
| a. | QM or ATR Validation / Review of 8 Key Underwriting Factors |
| i. | Income / Assets |
| · | Validate borrower(s) monthly gross income |
| · | Validate funds required to close, required reserves |
| · | Review file documentation for required level of income and asset verifications |
| ii. | Employment Status |
| · | Review file documentation for required level of employment |
| iii. | Monthly Mortgage Payment |
| · | Confirm program, qualifying rate, terms |
| iv. | Simultaneous Loans |
| · | Validate all concurrent loans are included in the DTI to properly assess the ability to repay |
| v. | Mortgage Related Obligations: PITI, HOA, PMI, etc. |
| · | Validate subject loan monthly payment (PITI) and associated obligations |
| vi. | Debts / Obligations |
| · | Validate monthly recurring liabilities |
| vii. | DTI and/or Residual Income |
| · | Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file |
| · | Documentation meets Appendix Q requirements for QM Loans |
| viii. | Credit History |
| · | Review credit report for credit history and required credit depth including any / all inquiries |
| · | Determine representative credit score from credit report |
| b. | Validate loan-to-value (LTV) and combined loan-to-value |
| c. | Review borrower's occupancy |
| d. | Validation through third party resource of the subject properties most recent twelve (12) month sales history |
| e. | Confirm sufficient evidence in loan file, by reviewing the underwriter’s decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt |
| f. | Confirm that Final 1003 is sufficiently completed |
| g. | Provide Audit 1008 with accurate data based on file documentation |
| h. | Confirm Loan Approval conditions were met |
| i. | Review condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red flags that may deem condominium project ineligible |
| j. | General QM for any loans originated under the GQM Rule |
| i. | Pricing Thresholds: |
| a. | Pricing for First Lien Loans: |
| i. | 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and |
| ii. | 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and |
| iii. | 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold. |
| b. | Pricing for Subordinate Lien Loans: |
| i. | 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and |
| ii. | 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold. |
| c. | Pricing for Manufactured Homes: |
| i. | 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable dollar amount threshold; and |
| ii. | 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold. |
| ii. | Consider Income and Assets: |
| o | Consumer’s current or reasonably expected income or assets (other than the value of the dwelling that secures the loan; |
| o | The consumer’s debt obligations, alimony, child support; and |
| o | The monthly DTI or residual income. |
| iii. | Verification of Income and Assets: |
| a. | Verification in compliance with one of the “safe harbor” guidelines will meet the QM verification requirement. A creditor is allowed to “mix and match” provisions of the different guidelines rather than only apply one guideline per loan. |
The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer’s income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:
| i. | Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020; |
| ii. | Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020; |
| iii. | Sections II.A.1 and II.A.4-5 of the Federal Housing Administration’s Single Family Housing Policy Handbook, issued October 24, 2019; |
| iv. | Chapter 4 of the U.S. Department of Veterans Affairs’ Lenders Handbook, revised February 22, 2019; |
| v. | Chapter 4 of the U.S. Department of Agriculture’s Field Office Handbook for the Direct Single Family Housing Program, revised March 15, 2019; and |
| vi. | Chapters 9 through 11 of the U.S. Department of Agriculture’s Handbook for the Single Family Guaranteed Loan Program, revised March 19, 2020. |
Compliance Review
Consolidated Analytics performed a “Compliance Review” to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a “Compliance Review” of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:
| a. | Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations |
| b. | Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations |
| c. | Tolerance Testing |
| i. | Compare Loan Estimate and Closing Disclosures |
| ii. | Identify Tolerance Violations and applicable cost to cure |
| d. | Comprehensive review of Closing Disclosure to determine transaction accuracy |
| e. | Recalculation of APR and Finance Charge |
| f. | Testing of: |
| i. | Federal High Cost Mortgage provisions |
| ii. | Federal Higher Priced Mortgage Loans provisions |
| iii. | Local and/or State Anti-predatory and High Cost provisions |
| iv. | HOEPA Points and Fees |
| g. | Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures |
| i. | Service Provider List |
| ii. | Home Ownership Counselling Disclosure |
| iii. | ARM Disclosure |
| h. | Compliance with QM as it relates to: |
| i. | APR Test |
| ii. | Points & Fees Test |
| iii. | Prepayment Penalty Test |
| iv. | Product Eligibility Testing |
| i. | Notice of Right to Cancel (Rescission) Review |
| i. | Confirm transaction date, expiration date, and disbursement date |
| ii. | Confirm document is properly executed by all required parties to the transaction |
| iii. | Confirm the correct Right of Rescission document was executed for the transaction type |
| iv. | Confirm a full three (3) day rescission period was provided to the borrower |
| j. | Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents |
| k. | Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s) |
| l. | Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent with other documents; Confirm collateral documents have been recorded or sent for recording |
The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.
Valuation Review
Consolidated Analytics performed a “Valuation Review,” which included the following:
| a. | Review original appraisal, determination that property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be identified with the condition of the property, Consolidated Analytics will alert Client. |
| b. | Review appraisal, determination that property is completely constructed and appraisal is on an “as is basis,” or property is identified as not completely constructed by originating appraiser. |
| c. | Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards. |
| d. | Review and determine the relevance of the comparable properties and ensure that a rational and reliable value was provided and supported as of the effective date of the Origination Appraisal. |
| e. | Review adjustments (line item, net and gross adjustments) to ensure they are reasonable. |
| f. | Ensure that the appraisal conforms to the guidelines provided from the Client. |
| g. | Review appraisal to ensure all required documents were included. |
| h. | Review location map provided within the appraisal for external obsolescence. |
| i. | Ensure highest and best use and zoning complies with guidelines. |
| j. | Confirm there are no marketability issues that affect the subject property. |
| k. | Ensure subject property does not suffer any functional obsolescence. |
| l. | Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed. |
| m. | Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5 or the LCA score was not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In some instances, based on guidance from the seller, CDA’s were ordered on loans that had an acceptable CU score or R&W eligibility. |
Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.
For loans reviewed in a post-close valuation review scenario (74 loans in total):
Thirty-eight (38) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.
One (1) loan had a Secondary Appraisal, zero (0) loans had an AVM, and forty-six (46) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.
If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were zero (0) occurrences of this.
Product totals may not sum due to multiple products for each loan.
TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the seventy-four (74) mortgage loans reviewed, seventy-four (74) unique mortgage loans (100.00% by loan count) had a total of two hundred eighty-nine (289) discrepancies across sixteen (16) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.
| Fields Reviewed | Discrepancy Count |
Percentage |
| Qualifying Total Housing Expense PITIA | 73 | 25.26% |
| Prepayment Penalty Flag | 70 | 24.22% |
| Loan Type | 49 | 16.96% |
| Qualifying Total Debt Income Ratio | 25 | 8.65% |
| Property Type | 17 | 5.88% |
| Calculated DSCR | 12 | 4.15% |
| Borrower 1 First Name | 11 | 3.81% |
| Borrower 1 Last Name | 9 | 3.11% |
| Originator Doc Type | 9 | 3.11% |
| Qualifying LTV | 3 | 1.04% |
| Qualifying CLTV | 3 | 1.04% |
| Primary Appraised Property Value | 3 | 1.04% |
| Loan Product Type | 2 | 0.69% |
| Closing/Settlement Date | 1 | 0.35% |
| Qualifying FICO | 1 | 0.35% |
| Property County | 1 | 0.35% |
| Grand Total | 289 | 100.00% |
Summary of Results
OVERALL RESULTS SUMMARY
Final Loan Grades
| Overall Loan Results: | |||
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 70 | $20,139,029.00 | 94.59% |
| Event Grade B | 4 | $1,834,750.00 | 5.41% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| Total Sample | 74 | $21,973,779.00 | 100.00% |
| Credit Results: | ||
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 72 | 97.30% |
| Event Grade B | 2 | 2.70% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 74 | 100.00% |
| Compliance Results: | ||
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 72 | 97.30% |
| Event Grade B | 2 | 2.70% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 74 | 100.00% |
| Valuation Results: | ||
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 74 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 74 | 100.00% |
Exception Category Summary
The table below summarizes the individual exceptions which carried an associated “A”, “B”, “C”, or “D” level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of “B”, a Credit Grade of “A”, and a Property Grade of “A” would receive an overall Loan Grade of “B”).
| Exception Type |
Exception Level Grade |
Exception Category | Total |
| Credit | A | No Credit Findings | 53 |
| Housing History Does Not Meet Guideline Requirements | 3 | ||
| Audited DTI Exceeds Guideline DTI | 3 | ||
| The Final 1003 is Missing | 2 | ||
| Property Title Issue | 2 | ||
| Audited Loan Amount is less than Guideline Minimum Loan Amount | 2 | ||
| Delinquent Credit History Does Not Meet Guideline Requirements | 2 | ||
| Approval/Underwriting Summary Not Provided | 2 | ||
| Purchase Contract is Missing | 1 | ||
| Missing VOM or VOR | 1 | ||
| Borrower 1 3rd Party VOE Prior to Close Missing | 1 | ||
| Borrower 1 Credit Report is Incomplete | 1 | ||
| Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 1 | ||
| Borrower 1 Paystubs Missing | 1 | ||
| Rent Loss Insurance Missing | 1 | ||
| Borrower 1 Unable to Determine borrower citizenship | 1 | ||
| Missing evidence of self employment | 1 | ||
| Borrower 1 W2/1099 Missing | 1 | ||
| ATR: Current Employment Not Verified | 1 | ||
| Title Coverage is Less than Subject Lien | 1 | ||
| Purchase Contract Expiration Date is prior to Note Date | 1 | ||
| ATR: Reasonable Income or Assets Not Considered | 1 | ||
| Rent Loss Coverage Not Sufficient | 1 | ||
| DSCR is less than guideline minimum | 1 | ||
| Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 | ||
| Assets do not meet guideline requirements | 1 | ||
| Income and Employment Do Not Meet Guidelines | 1 | ||
| Borrower information on 1003 is incomplete | 1 | ||
| Total Credit Grade (A) Exceptions: | 89 | ||
| B | Citizenship Does Not Meet Guideline Requirements | 1 | |
| Audited Loan Amount is less than Guideline Minimum Loan Amount | 1 | ||
| Total Credit Grade (B) Exceptions: | 2 |
| Compliance | A | No Compliance Findings | 42 |
| Higher-Priced Mortgage Loan Test | 11 | ||
| eSigned Documents Consent is Missing | 7 | ||
| Missing Required Affiliated Business Disclosure | 4 | ||
| Homeownership Counseling Disclosure Is Missing | 3 | ||
| NC Rate Spread Home Loan Test | 2 | ||
| CA AB 260 Higher-Priced Mortgage Loan Test | 2 | ||
| Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 2 | ||
| Closing Disclosure is Not Executed | 1 | ||
| Escrow Waiver is Missing | 1 | ||
| Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | 1 | ||
| Total Compliance Grade (A) Exceptions: | 76 | ||
| B | Charges That Cannot Increase Test | 2 | |
| Total Compliance Grade (B) Exceptions: | 2 | ||
| Property | A | No Property Findings | 70 |
| Third Party Valuation Product Not Provided within 10% Tolerance | 3 | ||
| Property/Appraisal General | 1 | ||
| Appraisal is Missing | 1 | ||
| Appraisal is Expired | 1 | ||
| Total Property Grade (A) Exceptions: | 76 |
Event Grade Definitions
| Final Loan Grade | |
| A | Loan meets Credit, Compliance, and Valuation Guidelines |
| B | The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| C | The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| D | Loan is missing documentation to perform a sufficient review. |
| Credit Event Grades | |
| A | The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower’s willingness and ability to repay the loan is documented and reasonable. |
| B | The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower’s willingness and ability to repay the loan is documented and reasonable. |
| C | The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower’s willingness and ability to repay the loan were not documented or are unreasonable. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |
| Compliance Event Grades | |
| A | The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| B | The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| C | The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| D | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |
| Valuation Event Grades | |
| A | The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| B | The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| C | The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below “average” condition or the property is not complete or requires significant repairs. The appraisal was not performed on an “as is” basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| D | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |
| Loan ID | Seller ID | Investor Loan ID | Transaction Name | Transaction Type | Script | Buyer | Seller | Submission Month | Submission Date | Submission Time | Initial Review Complete Month | Initial Review Completed Date | Initial Review Complete Time | Initial Review SLA (Days) | Final Loan Review Complete Date | Curative SLA (Days) | Total SLA (Days) | Month Invoiced |
| 400175725 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 4 | 7 | |||
| 400175677 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400159025 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 2 | 5 | |||
| 400159095 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 2 | 5 | |||
| 400175697 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400159049 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400159063 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175718 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175735 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175708 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 2 | 5 | |||
| 400175733 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175693 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175764 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175717 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 4 | 6 | |||
| 400175740 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 1 | 3 | |||
| 400175705 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175768 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 2 | 4 | |||
| 400175734 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 6 | XX/XX/XXXX | 0 | 6 | |||
| 400175774 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 5 | XX/XX/XXXX | 0 | 5 | |||
| 400175726 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 4 | XX/XX/XXXX | 3 | 7 | |||
| 400175747 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 4 | XX/XX/XXXX | 3 | 7 | |||
| 400175680 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 4 | XX/XX/XXXX | 0 | 4 | |||
| 400175711 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175719 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175736 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 2 | 4 | |||
| 400175767 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 4 | 6 | |||
| 400175679 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 1 | 3 | |||
| 400175682 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175681 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 4 | XX/XX/XXXX | 0 | 4 | |||
| 400175701 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 1 | 3 | |||
| 400175729 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 1 | XX/XX/XXXX | 3 | 4 | |||
| 400175702 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 1 | XX/XX/XXXX | 3 | 4 | |||
| 400175707 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 1 | XX/XX/XXXX | 2 | 3 | |||
| 400175730 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175742 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175750 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 3 | 6 | |||
| 400175776 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 2 | 5 | |||
| 400175751 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 1 | 4 | |||
| 400175723 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 4 | 7 | |||
| 400175771 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175684 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 18 | 20 | |||
| 400175779 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175748 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 3 | 5 | |||
| 400175766 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175709 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175714 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175754 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175760 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 1 | 3 | |||
| 400175778 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175749 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175691 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 2 | 4 | |||
| 400175775 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 1 | 3 | |||
| 400175695 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175694 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 1 | 4 | |||
| 400175763 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175688 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 1 | 4 | |||
| 400175692 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 2 | 5 | |||
| 400175715 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 3 | 6 | |||
| 400175745 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175687 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175713 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175699 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175689 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 1 | 3 | |||
| 400175752 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175721 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 4 | XX/XX/XXXX | 0 | 4 | |||
| 400175690 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 4 | XX/XX/XXXX | 1 | 5 | |||
| 400175753 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 2 | 5 | |||
| 400175731 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 3 | 6 | |||
| 400175712 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175722 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 1 | 4 | |||
| 400175777 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 0 | 2 | |||
| 400175686 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 2 | XX/XX/XXXX | 2 | 4 | |||
| 400175738 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 | |||
| 400175737 | XXX | Flow | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3 | XX/XX/XXXX | 0 | 3 |
| 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 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 |
| 400175725 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175677 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | $XXX | 65.33 | 65.33 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159025 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | XXX | $XXX | 31.58 | 31.58 | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159095 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175697 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | Not Eligible | 1.4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159049 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Eligible | 3.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159063 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175718 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175735 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0926 | Desk Review | $XXX | $XXX | .0926 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175708 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 73.63 | 73.63 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 3.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175733 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 70.0 | 70.0 | Not Eligible | 2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175693 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175764 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175717 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 80.0 | 80.0 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175740 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | Not Eligible | 1.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175705 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175768 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175734 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175774 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 66.67 | 66.67 | $XXX | $XXX | -.0400 | Desk Review | $XXX | $XXX | -.0400 | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175726 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 49.18 | 49.18 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175747 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175680 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 71.43 | 71.43 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175711 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175719 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0682 | Desk Review | $XXX | $XXX | -.0682 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | 3.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175736 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 68.21 | 68.21 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175767 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 47.17 | 47.17 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175679 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 3.2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175682 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | 3.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175681 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175701 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0580 | Desk Review | $XXX | $XXX | -.0580 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175729 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175702 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 57.3 | 57.3 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | 2.8 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175707 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | $XXX | 53.28 | 53.28 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175730 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | $XXX | 79.99 | 79.99 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175742 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 66.0 | 66.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175750 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 84.81 | 84.81 | Unavailable | 1.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175776 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 80.0 | 80.0 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175751 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175723 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175771 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 80.0 | 80.0 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175684 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 62.76 | 62.76 | $XXX | $XXX | -.0083 | 2000 One Unit Appraisal Field Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.0083 | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175779 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Eligible | 2.7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175748 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 73.39 | 73.39 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175766 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175709 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 80.0 | 80.0 | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175714 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175754 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175760 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175778 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 70.0 | 70.0 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175749 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175691 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 90.0 | 90.0 | $XXX | $XXX | -.0081 | XX/XX/XXXX | 1004 URAR | Not Eligible | 2.5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175775 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | XXX | $XXX | 64.98 | 64.98 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175695 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 3.9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175694 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | XXX | $XXX | 84.75 | 84.75 | Not Eligible | 1.1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175763 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175688 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 85.0 | 85.0 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175692 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 79.73 | 79.73 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175715 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 69.99 | 69.99 | Eligible | 1.1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175745 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 60.0 | 60.0 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175687 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 47.37 | 47.37 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175713 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 60.0 | 60.0 | XX/XX/XXXX | Not Eligible | 1.9 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175699 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175689 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 65.0 | 65.0 | Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175752 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 40.91 | 40.91 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175721 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175690 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review | $XXX | $XXX | .0000 | XX/XX/XXXX | Not Eligible | 1.9 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175753 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 90.0 | 90.0 | Not Eligible | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175731 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004C Manufactured Home | XXX | XXX | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Not Eligible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175712 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 84.13 | 84.13 | Not Eligible | 1.3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175722 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 31.19 | 31.19 | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175777 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0225 | 2000 One Unit Appraisal Field Review | $XXX | $XXX | .0225 | XXX | XX/XX/XXXX | Not Eligible | 1.2 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175686 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 80.0 | 80.0 | Eligible | 1 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175738 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | XXX | $XXX | 59.88 | 59.88 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175737 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | XXX | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | Not Eligible | 2.3 |
| 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 |
| 400175725 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 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% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | N/A | Borrower - Other, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | ||||||||||||||||||||||||||||||||||||||||||
| 400175677 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159025 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, XXX YRS Executed 4506T Verified - XXX | ||||||||||||||||||||||||||||||||||||||||
| 400159095 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | XXX | 0 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175697 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159049 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159063 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 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% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | N/A | Borrower - Other - XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | ||||||||||||||||||||||||||||||||||||||||||
| 400175718 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175735 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175708 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175733 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175693 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175764 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175717 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175740 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Annually | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175705 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | N/A | Borrower - Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175768 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175734 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175774 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | FNMA 1005 | 0 | No | XXX | Borrower - Commission, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - XXX YRS W2 XXX Verified, XXX Months Paystubs Verified, Written VOE Verified, XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | ||||||||||||||||||||||||||||||||||||||||||||||||
| 400175747 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 1 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Commission, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - XXX YR Personal Tax Returns Verified, XXX YRS W2 XXX Verified, XXX Months Paystubs Verified, XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||||||
| 400175680 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | $0.00 | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175711 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | XXX | 0 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||
| 400175719 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175736 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | Work Number | 0 | No | XXX | Borrower - Wage, Wage, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO, Overtime, Overtime - XXX YRS W2 XXX Verified, XXX Months Paystubs Verified, Written VOE Verified, XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||
| 400175767 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175679 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175682 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175681 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175701 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||
| 400175729 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other - XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | ||||||||||||||||||||||||||||||||||||||||||
| 400175702 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | XXX | 0 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175707 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175730 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175742 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | XXX | 0 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175750 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175776 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175723 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 1 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | Work Number | 0 | No | XXX | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - XXX YR Personal Tax Returns Verified, XXX YRS W2 XXX Verified, XXX Months Paystubs Verified, Written VOE Verified, XXX YRS Executed 4506T Verified, XXX YR IRS Transcripts Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||
| 400175771 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 2 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other - XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||
| 400175684 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175779 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | W2/1099 Verified | 1 | NA | N/A | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other, Other REO Net Rental Income(Loss) - XXX YR W2 XXX Verified, XXX YRS Executed 4506T Verified, XXX YR IRS Transcripts Verified - XXX | |||||||||||||||||||||||||||||||||||||||
| 400175748 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other, Other REO Net Rental Income(Loss) - XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | ||||||||||||||||||||||||||||||||||||||||||
| 400175766 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175709 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Annually | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175714 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175754 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175760 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0 | 0 | 0.00% | XXX | 0 | XXX | XXX | XXX | XXX | XXX | 0 | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175778 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Annually | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175749 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 22 | No | 100.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||||||
| 400175691 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Annually | XXX% | XXX% | XXX% | XXX | XXX | 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% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other - CPA Letter Verified, XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | ||||||||||||||||||||||||||||||||||||||||
| 400175775 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175695 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175694 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 330 | 12 | No | 100.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other - CPA Letter Verified, XXX YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - XXX | |||||||||||||||||||||||||||||||||||||||
| 400175763 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175688 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 2YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 2 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||
| 400175692 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 15 | No | 90.06% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | N/A | Borrower - Other, Other REO Net Rental Income(Loss) - XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | ||||||||||||||||||||||||||||||||||||||||||
| 400175715 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | FNMA 1005 | 0 | No | XXX | No | Borrower - Wage, Overtime - XXX YRS W2 XXX Verified, XXX Months Paystubs Verified, Written VOE Verified, XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | ||||||||||||||||||||||||||||||||||||||||||
| 400175745 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175687 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175713 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175699 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175689 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | Borrower - N/A - 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175752 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175721 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175690 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | Borrower - N/A - 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175753 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | 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% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | N/A | Borrower - Other, Other REO Net Rental Income(Loss) - CPA Letter Verified, XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | |||||||||||||||||||||||||||||||||||||||
| 400175731 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 12 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other - CPA Letter Verified, XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||
| 400175722 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 2YR Full Doc | 2 | 2+ Months | N/A | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | FNMA 1005 | 0 | No | XXX | Borrower - Wage - XXX YRS W2 XXX Verified, XXX Months Paystubs Verified, Written VOE Verified, XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | |||||||||||||||||||||||||||||||||||||||||||
| 400175777 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175738 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175737 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Monthly | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175726 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | Annually | XXX% | XXX% | XXX% | XXX | XXX | 1YR Full Doc | 1 | 1 Month | N/A | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Wage - XXX YR W2 XXX Verified, XXX Month Paystubs Verified, XXX YRS Executed 4506T Verified - XXX | ||||||||||||||||||||||||||||||||||||||||
| 400175751 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 24 Month Bank Statement | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | 100.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, XXX YRS Executed 4506T Verified, Business Bank Statements Verified - XXX XXX | |||||||||||||||||||||||||||||||||||||||||||||||
| 400175712 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | Manual Underwriting | No | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | Debt Service Coverage Ratio | 0 | 0 | 0 | No | No | 0 | No | No | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | 0 | Yes | XXX | XXX | Borrower - N/A - 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 W2 XXX 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 XXX Schedule E Verified | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175686 | XXX | XXX | XXX | No | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $XXX | XX/XX/XXXX | XXX% | Manual Underwriting | No | XXX% | XXX% | $XXX | No | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | $XXX | XXX% | XXX% | XXX% | XXX | XXX | 1YR Business P&L | 0 | NA | N/A | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | 0.00% | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | N/A | 0 | No | XXX | Borrower - Other - CPA Letter Verified, YTD Profit And Loss Verified, XXX YRS Executed 4506T Verified - XXX |
| Loan ID | 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) | 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 |
| 400175725 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 65.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175677 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 65.33 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159025 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 31.58 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159095 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 70.0 | XXX | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175697 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159049 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159063 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 65.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175718 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175735 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175708 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 73.63 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175733 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 70.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175693 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 70.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175764 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175717 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175740 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175705 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175768 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175734 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 65.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175774 | Borrower - XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | 86 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 66.67 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175747 | Borrower - XXX YR Personal Tax Returns Verified, XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175680 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 71.43 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175711 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 60.0 | XXX | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175719 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175736 | Borrower - XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 68.21 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175767 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 47.17 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175679 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175682 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 60.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175681 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175701 | Borrower - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175729 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175702 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 57.3 | XXX | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175707 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 53.28 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175730 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 79.99 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175742 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 66.0 | XXX | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175750 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 84.81 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175776 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175723 | Borrower - XXX YR Personal Tax Returns Verified, XXX YRS Executed 4506T Verified, XXX YR IRS Transcripts Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 60.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175771 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175684 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 62.76 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175779 | Borrower - XXX YRS Executed 4506T Verified, XXX YR IRS Transcripts Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175748 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 73.39 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175766 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 65.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175709 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175714 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 65.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175754 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175760 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175778 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 70.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175749 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175691 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 90.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175775 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | 30 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 64.98 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175695 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175694 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 84.75 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175763 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 70.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175688 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 85.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175692 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 79.73 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175715 | Borrower - XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 69.99 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175745 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 60.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175687 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 47.37 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175713 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XX/XX/XXXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 60.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175699 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 50.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175689 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 65.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175752 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 40.91 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175721 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 65.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175690 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175753 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 90.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175731 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175722 | Borrower - XXX YRS Executed 4506T Verified, XXX YRS IRS Transcripts Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 31.19 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175777 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175738 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 59.88 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175737 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175726 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 3 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 1 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 49.18 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175751 | Borrower - XXX YRS Executed 4506T Verified - XXX XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 75.0 | XXX | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175712 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXX Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | Unknown | N/A | $XXX | $XXX | $XXX | XXX | No | 84.13 | XXX | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175686 | Borrower - XXX YRS Executed 4506T Verified - XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XXX | No | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | Fee Simple | No | No | N/A | $XXX | $XXX | $XXX | XXX | No | 80.0 | XXX | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 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 |
| 400175725 | $XXXXXX | C | C | C | C | C | B | B | B | B | B | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175677 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400159025 | $XXXXXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400159095 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175697 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400159049 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400159063 | $XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | ||
| 400175718 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175735 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175708 | $XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175733 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175693 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175764 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175717 | $XXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175740 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175705 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175768 | $XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175734 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175774 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175726 | $XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175747 | $XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175680 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175711 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175719 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175736 | $XXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175767 | $XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175679 | $XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | ||
| 400175682 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175681 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175701 | $XXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175729 | $XXXXXX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175702 | $XXXXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175707 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175730 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175742 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175750 | $XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175776 | $XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175751 | $XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175723 | $XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | ||
| 400175771 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175684 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175779 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175748 | $XXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175766 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175709 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175714 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175754 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175760 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175778 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175749 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175691 | $XXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175775 | $XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175695 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175694 | $XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175763 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175688 | $XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175692 | $XXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175715 | $XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175745 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175687 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175713 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175699 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175689 | $XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175752 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175721 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175690 | $XXXXXX | D | D | D | D | D | A | A | A | A | A | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175753 | $XXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175731 | $XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | ||
| 400175712 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175722 | $XXXXXX | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175777 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175686 | $XXXXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175738 | $XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 400175737 | $XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? |
| 400175725 | C | A | C | A | B | A | C | A | Closed | FCRE1254 | 2026-03-19 11:32 | 2026-03-25 11:31 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: please see death certificate for XXX XXXXXX. Also, please note that the 2nd Trust Amendment clearly shows that real eState is distributed outright to XXX XXXXXX himself. - Seller-XXX/XXX/XXX | Open-Property Title Issue Title current in Trustee of the XXX and XXX XXXXXX trust dated XXX/XXX/XXX.. XXX XXXXXX is not on title XXX XXXXXX death Cert provided ary XXXXXX death cert provided Trust provided Distribution goes to XXX XXXXXX-XXXXXX if living, then XXX C XXXXXX if living, then XXX XXXXXX and XXX XXXXXX grandsons equally - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: please see death certificate for XXX XXXXXX. Also, please note that the 2nd Trust Amendment clearly shows that real eState is distributed outright to XXX XXXXXX himself. - Seller-XXX/XXX/XXX | | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | 2nd amend df | XXX XXXXXX Death Certificate df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175725 | C | A | C | A | B | A | C | A | Closed | FCOM9186 | 2026-03-17 13:36 | 2026-03-20 11:06 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | eSigned Documents Consent is Missing | Resolved-E consent provided, exception resolved - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see econsent - Buyer-XXX/XXX/XXX | Open-The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-E consent provided, exception resolved - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | econsent df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175725 | C | A | C | A | B | A | C | A | Closed | FPRO1245 | 2026-03-19 11:38 | 2026-03-20 10:21 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see 1004D/recert of value - Buyer-XXX/XXX/XXX | Open-Primary Value Appraisal is Expired Recert of value was provided on the Appraisal Updated and or Completion report - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | recert of value df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175725 | C | A | C | A | B | A | C | A | Closed | finding-3352 | 2026-03-17 13:36 | 2026-03-19 14:14 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175725 | C | A | C | A | B | A | C | A | Closed | FCRE8999 | 2026-03-19 12:39 | 2026-03-19 14:14 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175725 | C | A | C | A | B | A | C | A | Closed | FPRO8998 | 2026-03-19 12:39 | 2026-03-19 14:14 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. Recert of value supports expired appraisal and desk review supports the same value - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175677 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 09:23 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.33% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.33% is less than Guideline LTV of 80% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175677 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 09:23 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.33% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.33% is less than Guideline LTV of 80% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400159025 | C | A | C | A | B | A | A | A | Closed | FCOM3849 | 2026-04-23 13:12 | 2026-04-28 14:53 | Resolved | 1 - Information | B | A | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Resolved-appraisal delivery provided, exception resolved - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Evidence of appraisal delivery provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached proof of delivery. Document indicates appraisal package was sent on XX/XX/XXXX and then acknowledged on XX/XX/XXXX - Seller-XXX/XXX/XXX | Open-The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached proof of delivery. Document indicates appraisal package was sent on XX/XX/XXXX and then acknowledged on XX/XX/XXXX - Seller-XXX/XXX/XXX | | Resolved-appraisal delivery provided, exception resolved - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Evidence of appraisal delivery provided. - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Appraisal Delivery Timeline df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400159025 | C | A | C | A | B | A | A | A | Closed | FCRE0382 | 2026-04-22 05:28 | 2026-04-28 09:17 | Resolved | 1 - Information | C | A | Credit | Data | Assets do not meet guideline requirements | Resolved-Documentation is sufficient. Closing Statement provided. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Funds are found to meet guidelines. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Total verified assets is XXX. please see attached final settlement Statement of sold property. - Buyer-XXX/XXX/XXX | Open-When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Documentation is sufficient. Closing Statement provided. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Funds are found to meet guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Proof of Sale FSS df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400159025 | C | A | C | A | B | A | A | A | Closed | FCRE1198 | 2026-04-23 10:22 | 2026-04-28 09:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Documentation is sufficient. Closing Statement provided. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see FSS for sold property - Buyer-XXX/XXX/XXX | Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Asset documentation/Net Proceeds not provided. Need final settlement Statement for the sale of the property for XXX. Only a preliminary settlement Statement was provided. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Documentation is sufficient. Closing Statement provided. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Proof of Sale FSS df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400159025 | C | A | C | A | B | A | A | A | Closed | FCRE9995 | 2026-04-23 10:22 | 2026-04-28 09:15 | Resolved | 1 - Information | C | A | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Documentation is sufficient. Closing Statement provided. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see FSS for sold property - Buyer-XXX/XXX/XXX | Open-Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Asset documentation/Net Proceeds not provided. Need final settlement Statement for the sale of the property for XXX. Only a preliminary settlement Statement was provided. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Documentation is sufficient. Closing Statement provided. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 90% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Proof of Sale FSS df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400159095 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 11:17 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400159095 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 11:17 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175697 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 10:28 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175697 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 10:28 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400159049 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 13:12 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400159049 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 13:12 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400159063 | C | B | C | B | C | A | A | A | Closed | FCRE7375 | 2026-04-23 10:13 | 2026-05-20 12:30 | Acknowledged | 2 - Non-Material | C | B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Acknowledged-Guidelines used for rate lock do not allow for non permanent resident alien borrowers. New guidelines dated XX/XX/XXXX do allow. Exception request made for allowance of NPRA borrower is approved. - Due Diligence Vendor-XXX/XXX/XXX | | | Acknowledged-Guidelines used for rate lock do not allow for non permanent resident alien borrowers. New guidelines dated XX/XX/XXXX do allow. Exception request made for allowance of NPRA borrower is approved. - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Compensating factors include: Low LTV 65%, low DTI XXX% and a high FICO XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | Originator Pre-Close | Yes | |||
| 400159063 | C | B | C | B | C | A | A | A | Closed | FPRO8998 | 2026-04-23 10:11 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400159063 | C | B | C | B | C | A | A | A | Closed | finding-3352 | 2026-04-23 16:09 | 2026-04-24 17:04 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175718 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 14:33 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175718 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 14:33 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175735 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 14:00 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175735 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 14:01 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175708 | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2026-04-23 18:56 | 2026-04-28 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Rent Free letter received as requested. Condition cleared. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached LOE - Buyer-XXX/XXX/XXX | Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A letter of explanation (LOE) or rent-free letter from owner of property where borrower is living rent free is required. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Rent Free letter received as requested. Condition cleared. - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.63% is less than Guideline LTV of 85% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.63% is less than Guideline CLTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | LOE df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175733 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 15:25 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175733 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 15:25 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175693 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 16:33 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175693 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 16:33 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175764 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 21:25 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175764 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 21:26 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175717 | B | A | A | A | B | A | A | A | Closed | FCOM1869 | 2026-04-24 10:08 | 2026-04-30 09:01 | Resolved | 1 - Information | B | A | Compliance | Closing | Closing Disclosure is Not Executed | Resolved-A copy of the full disclosure with signature was provided. Resolved. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached signed seller CD. - Buyer-XXX/XXX/XXX | Open- The Settlement Statement was not fully executed. Seller signature is missing - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-A copy of the full disclosure with signature was provided. Resolved. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Seller CD df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175717 | B | A | A | A | B | A | A | A | Closed | FCRE8999 | 2026-04-24 10:06 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175717 | B | A | A | A | B | A | A | A | Closed | FPRO8998 | 2026-04-24 10:06 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175740 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-27 18:11 | 2026-04-27 18:11 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175740 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-27 18:11 | 2026-04-27 18:11 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175740 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-04-27 18:11 | 2026-04-27 18:11 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175705 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 15:20 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175705 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-23 15:20 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175768 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2026-04-24 17:03 | 2026-04-28 10:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Purchase contract attached - Buyer-XXX/XXX/XXX | Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | purchase contract df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175768 | D | A | D | A | A | A | A | A | Closed | FCRE6618 | 2026-04-23 14:39 | 2026-04-28 10:18 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Signed Final 1003 received. Condition cleared. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached 1003 - Buyer-XXX/XXX/XXX | Open-Please provide Application document for review - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Signed Final 1003 received. Condition cleared. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Final 1003 df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175768 | D | A | D | A | A | A | A | A | Closed | FPRO8998 | 2026-04-23 14:38 | 2026-04-24 17:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-information - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175734 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-24 08:52 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175734 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-24 08:53 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175774 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-27 09:54 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175774 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-27 09:55 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175774 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-04-27 17:52 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FCRE1441 | 2026-04-28 13:07 | 2026-05-05 11:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Documentation is sufficient. Housing history does not exceed XXX x XXX in the last XXX months. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Per UW: Below snip States max 0x90, which means they can have multiple lates as long as it is not XXX day late. Please waive condition as our LTV is under XXX% - Seller-XXX/XXX/XXX | Counter-Per the credit report, the borrower's primary mortgage shows XXX on XX/XX/XXXX and XXX on XX/XX/XXXX and XXX/XXX. XXX is not allowed per the guideline snippet attached. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: Housing history does meet our Wayfair guides, as the LTV is under XXX% Please waive condition/finding - Seller-XXX/XXX/XXX | Open-Delinquent Credit History Does Not Meet Guideline Requirements Max 80% LTV for XXX per Wayfinder guidelines Lona has 1x901 x601x XXX within the most recent XXX months - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Per UW: Below snip States max 0x90, which means they can have multiple lates as long as it is not XXX day late. Please waive condition as our LTV is under XXX% - Seller-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: Housing history does meet our Wayfair guides, as the LTV is under XXX% Please waive condition/finding - Seller-XXX/XXX/XXX | | Resolved-Documentation is sufficient. Housing history does not exceed XXX x XXX in the last XXX months. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | guideline snipet df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-04-28 13:04 | 2026-05-05 11:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation is sufficient. Housing history does not exceed XXX x XXX in the last XXX months. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Per UW: Below snip States max 0x90, which means they can have multiple lates as long as it is not XXX day late. Please waive condition as our LTV is under XXX% - Buyer-XXX/XXX/XXX | Counter-Per the credit report, the borrower's primary mortgage shows XXX on XX/XX/XXXX and XXX on XX/XX/XXXX and XXX/XXX. XXX is not allowed per the guideline snippet attached. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: Housing history does meet our Wayfair guides, as the LTV is under XXX% Please waive condition/finding - Seller-XXX/XXX/XXX | Open-Housing History Does Not Meet Guideline Requirements Max 80% LTV for XXX per Wayfinder guidelines Lona has 1x901 x601x XXX within the most recent XXX months - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: Housing history does meet our Wayfair guides, as the LTV is under XXX% Please waive condition/finding - Seller-XXX/XXX/XXX | | Resolved-Documentation is sufficient. Housing history does not exceed XXX x XXX in the last XXX months. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | guideline snipet df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-04-28 13:51 | 2026-05-04 08:58 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached XXX - Buyer-XXX/XXX/XXX | Open-Missing Approval/Underwriting Summary. The Fannie Mae XXX / Approval is missing from the file - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | XXX - Transmittal Summary df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FCRE1495 | 2026-04-28 13:40 | 2026-05-04 08:58 | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-ATR: Current Employment Was Verified. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached missing documents - Buyer-XXX/XXX/XXX | Open-ATR: Current Employment Not Verified. income documentation was not provided, lender has XXX monthly income and income worksheet shows $XXX.XXX/XXX=$XXX from paystub through XX/XX/XXXX and two years W2. Neither paystub for the W2 were in the file - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-ATR: Current Employment Was Verified. - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Paystub XXX df | XXX W-2's DUP df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FCRE1497 | 2026-04-28 13:40 | 2026-05-04 08:58 | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-ATR: Reasonable Income or Assets Was Considered. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached missing documents - Buyer-XXX/XXX/XXX | Open-ATR: Reasonable Income or Assets Not Considered. income documentation was not provided, lender has XXX monthly income and income worksheet shows $XXX.XXX/XXX=$XXX from paystub through XX/XX/XXXX and two years W2. Neither paystub for the W2 were in the file - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-ATR: Reasonable Income or Assets Was Considered. - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Paystub XXX df | XXX W-2's DUP df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FCRE1330 | 2026-04-28 12:50 | 2026-05-04 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached missing documents - Seller-XXX/XXX/XXX | Open-Borrower 1 Paystubs Missing. paystub and XXX years w2 ar missing, unable to verify income. income documentation was not provided, lender has XXX monthly income and income worksheet shows $XXX.XXX/XXX=$XXX from paystub through XX/XX/XXXX and two years W2. Neither paystub for the W2 were in the file - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached missing documents - Seller-XXX/XXX/XXX | | Resolved-Borrower 1 Paystubs Provided. - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Paystub XXX df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FCRE1328 | 2026-04-28 12:50 | 2026-05-04 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/XXX Provided - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached missing documents - Buyer-XXX/XXX/XXX | Open-Borrower 1 W2/1099 Missing. paystub and XXX years w2 ar missing, unable to verify income. income documentation was not provided, lender has XXX monthly income and income worksheet shows $XXX.XXX/XXX=$XXX from paystub through XX/XX/XXXX and two years W2. Neither paystub for the W2 were in the file - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Borrower 1 W2/XXX Provided - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | XXX W-2's DUP df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2026-04-28 12:50 | 2026-05-04 08:56 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached missing documents - Buyer-XXX/XXX/XXX | Open-Income and Employment Do Not Meet Guidelines paystub and XXX years w2 ar missing, unable to verify income, income documentation was not provided, lender has XXX monthly income and income worksheet shows $XXX.XXX/XXX=$XXX from paystub through XX/XX/XXXX and two years W2. Neither paystub for the W2 were in the file - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Paystub XXX df | XXX W-2's DUP df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175726 | D | A | D | A | A | A | A | A | Closed | finding-2261 | 2026-04-28 10:25 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | NC Rate Spread Home Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the NC rate spread home loan test. ( NC GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175726 | D | A | D | A | A | A | A | A | Closed | finding-3352 | 2026-04-28 10:25 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175726 | D | A | D | A | A | A | A | A | Closed | FPRO8998 | 2026-04-28 13:54 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.18% is less than Guideline CLTV of 80% | Original LTV is Below the Guideline Maximum - Calculated LTV of 49.18% is less than Guideline LTV of 80% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175747 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-04-29 11:27 | 2026-05-05 13:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: Using the reduced income from investor XXX – Adding HOA of XXX for XXX King George and XXX for Pitching Wedge – The DTI is XXX% and within guidelines for LTV < XXX% please see updated XXX - Buyer-XXX/XXX/XXX | Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender included " paid time off " in XXX YTD Commission pay and used W2 YTD which included other pay. XXX Commission pay was not provide. Lender used W2 for XXX and XXX which included other pay Auditor used ONLY Commission pay verified for YTD XXX and XXX breakdown was not provided. Auditors income was less than the lenders. Auditors XXX Lenders XXX Lender did not include HOA on Primary and Pitching and Lender used incorrect child support. Lender used XXX and the actual deduction on paystub is XXX monthly - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX - Transmittal Summary df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175747 | C | A | C | A | A | A | A | A | Closed | FCOM8997 | 2026-04-28 09:22 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175747 | C | A | C | A | A | A | A | A | Closed | FPRO8998 | 2026-04-29 11:58 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175680 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-04-28 06:52 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.43% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 85% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175680 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-28 15:56 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.43% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 85% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175680 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-28 15:56 | 2026-04-29 22:34 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.43% is less than Guideline CLTV of 85% | Original LTV is Below the Guideline Maximum - Calculated LTV of 71.43% is less than Guideline LTV of 85% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175711 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-04-29 16:23 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175711 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-30 12:22 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175711 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-30 12:22 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175719 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-04-30 20:15 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175719 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-04-30 20:15 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175719 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-01 13:44 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175736 | B | A | A | A | B | A | A | A | Closed | FCOM9186 | 2026-04-30 11:25 | 2026-05-04 15:03 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | eSigned Documents Consent is Missing | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. econsent attached - Buyer-XXX/XXX/XXX | Open-The eSigned consent disclosure is missing. Documentation required: First e-signed document in the file is dated XXX/XXX/XXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | econsent df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175736 | B | A | A | A | B | A | A | A | Closed | FCRE8999 | 2026-05-01 12:17 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175736 | B | A | A | A | B | A | A | A | Closed | FPRO8998 | 2026-05-01 12:18 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175767 | C | A | C | A | A | A | A | A | Closed | FCRE1200 | 2026-05-01 11:06 | 2026-05-07 07:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of XXX is greater than or equal to the Guideline Minimum Loan Amount of XXX - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per VP of UW, loan was not underwritten with previous guidelines. Please see updated XXX that corrects UW comments - Buyer-XXX/XXX/XXX | Counter-Per the XXX in the loan file, the XX/XX/XXXX Guidelines were used for this loan, which has a minimum loan amount of $XXX. Exception for lower loan amount is not found in the file. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW; As of XXX/XXX, guidelines were updated that Trailblazer plus programs can now allow minimum loan amount limit to XXX Please see updated matrix as proof of change. - Buyer-XXX/XXX/XXX | Open-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Exception for lower loan amount is not found in the file. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Audited Loan Amount of XXX is greater than or equal to the Guideline Minimum Loan Amount of XXX - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.17% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | TB+ df | Updated XXX df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175767 | C | A | C | A | A | A | A | A | Closed | FCOM8997 | 2026-04-29 15:51 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.17% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175767 | C | A | C | A | A | A | A | A | Closed | FPRO8998 | 2026-05-01 11:10 | 2026-05-01 15:20 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-INformational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.17% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.17% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175679 | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2026-05-01 11:52 | 2026-05-05 16:43 | Acknowledged | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Lender exception approval for loan amount of XXX and minimum loan per Guidelines is $XXX. Compensating Factors: DSCR is XXX. Required reserves are $XXX; Borrower has no lates on primary residence mortgage; Subject property mortgage to be paid off originated XX/XX/XXXX - No Lates. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW; As of XXX/XXX, guidelines were updated that Trailblazer plus programs can now allow minimum loan amount limit to XXX Please see updated matrix as proof of change. - Buyer-XXX/XXX/XXX | Open-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX File is missing the exception for the lower loan amount than the guidelines allow. - Due Diligence Vendor-XXX/XXX/XXX | | | Acknowledged-Lender exception approval for loan amount of XXX and minimum loan per Guidelines is $XXX. Compensating Factors: DSCR is XXX. Required reserves are $XXX; Borrower has no lates on primary residence mortgage; Subject property mortgage to be paid off originated XX/XX/XXXX - No Lates. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | TB+ df | XXX XXX Exception approval XXX df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | |||
| 400175679 | C | B | C | B | A | A | A | A | Closed | FCOM8997 | 2026-05-01 10:37 | 2026-05-04 12:05 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175679 | C | B | C | B | A | A | A | A | Closed | FPRO8998 | 2026-05-01 12:25 | 2026-05-04 12:05 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175682 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-01 10:48 | 2026-05-04 12:05 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175682 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-01 14:36 | 2026-05-04 12:05 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175682 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-01 14:37 | 2026-05-04 12:05 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175681 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-04 11:21 | 2026-05-07 17:23 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175681 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-05 11:22 | 2026-05-07 17:23 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175681 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-05 11:22 | 2026-05-07 17:23 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175701 | B | A | A | A | B | A | A | A | Closed | FCOM9186 | 2026-05-04 15:29 | 2026-05-06 14:34 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | eSigned Documents Consent is Missing | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. econsent attached - Buyer-XXX/XXX/XXX | Open-The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | EConsent df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175701 | B | A | A | A | B | A | A | A | Closed | finding-2261 | 2026-05-04 15:29 | 2026-05-05 17:57 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | NC Rate Spread Home Loan Test | Resolved-Compliant - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the NC rate spread home loan test. ( NC GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Compliant - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175701 | B | A | A | A | B | A | A | A | Closed | finding-3352 | 2026-05-04 15:29 | 2026-05-05 17:57 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Compliant - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Compliant - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175701 | B | A | A | A | B | A | A | A | Closed | FCRE8999 | 2026-05-05 15:44 | 2026-05-05 17:57 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Compliant - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Compliant - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175701 | B | A | A | A | B | A | A | A | Closed | FPRO8998 | 2026-05-05 15:45 | 2026-05-05 17:57 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Compliant - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Compliant - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175729 | C | A | B | A | C | A | A | A | Closed | finding-3352 | 2026-05-04 15:38 | 2026-05-08 09:54 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Appraisal delivery provided; HPML compliant - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached proof of delivery - Buyer-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade due to missing appraisal delivery receipt. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Appraisal delivery provided; HPML compliant - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Proof of delivery df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175729 | C | A | B | A | C | A | A | A | Closed | finding-2962 | 2026-05-04 15:38 | 2026-05-08 09:54 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | Resolved-Appraisal delivery provided; HPML compliant - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached proof of delivery - Buyer-XXX/XXX/XXX | Open-This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade due to missing appraisal delivery receipt. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Appraisal delivery provided; HPML compliant - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Proof of delivery df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175729 | C | A | B | A | C | A | A | A | Closed | FCOM3531 | 2026-05-05 12:31 | 2026-05-08 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Resolved-Evidence of Appraisal Delivery to the Borrower Provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached proof of delivery - Buyer-XXX/XXX/XXX | Open-Evidence of Appraisal Delivery to the Borrower Not Provided. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Evidence of Appraisal Delivery to the Borrower Provided. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Proof of delivery df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175729 | C | A | B | A | C | A | A | A | Closed | FCOM3849 | 2026-05-05 12:26 | 2026-05-08 09:53 | Resolved | 1 - Information | B | A | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Resolved-Evidence of appraisal delivery provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached proof of delivery - Seller-XXX/XXX/XXX | Open-The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached proof of delivery - Seller-XXX/XXX/XXX | | Resolved-Evidence of appraisal delivery provided. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Proof of delivery df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175729 | C | A | B | A | C | A | A | A | Closed | FCRE1133 | 2026-05-05 10:23 | 2026-05-08 07:46 | Resolved | 1 - Information | B | A | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Resolved-Client provided purchase contract extension. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see addendum for extension on expiration date - Buyer-XXX/XXX/XXX | Open-Please provide a contract extension that is up to or beyond the note date. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Client provided purchase contract extension. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Extension - Purchase Contract df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175729 | C | A | B | A | C | A | A | A | Closed | FPRO8998 | 2026-05-05 10:41 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175702 | B | A | B | A | A | A | A | A | Closed | FCRE1148 | 2026-05-04 06:38 | 2026-05-08 08:05 | Resolved | 1 - Information | B | A | Credit | Title | Title Coverage is Less than Subject Lien | Resolved-Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Final Title policy with updated coverage attached - Buyer-XXX/XXX/XXX | Open-Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Loan does not have sufficient title issuance coverage his policy showing XXX should be provided. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.3% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.3% is less than Guideline CLTV of 70% | Combined Commitment_3 df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175702 | B | A | B | A | A | A | A | A | Closed | FCOM8997 | 2026-05-05 12:51 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.3% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.3% is less than Guideline CLTV of 70% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175702 | B | A | B | A | A | A | A | A | Closed | FPRO8998 | 2026-05-04 15:33 | 2026-05-05 18:02 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.3% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.3% is less than Guideline CLTV of 70% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175707 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-05 12:51 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.28% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.28% is less than Guideline LTV of 75% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175707 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-04 16:38 | 2026-05-05 18:02 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.28% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.28% is less than Guideline LTV of 75% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175707 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-04 16:39 | 2026-05-05 18:02 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.28% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.28% is less than Guideline LTV of 75% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175730 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-06 09:51 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175730 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-06 13:08 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175730 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-06 18:18 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175742 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-05 15:08 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 85% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175742 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-06 10:49 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 85% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175742 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-06 10:50 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 85% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 85% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175750 | C | A | C | A | A | A | A | A | Closed | FCRE2335 | 2026-05-06 12:58 | 2026-05-12 11:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | DSCR is less than guideline minimum | Resolved-Qualifying DSCR meets Guidelines - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: please see attached matrix as XXX fico greater than one and allows up to 85% LTV our LTV is only XXX file is a rate and term - Buyer-XXX/XXX/XXX | Open-Qualifying DSCR of XXX is less than guideline minimum requirement of XXX XXX Plus DSCR Non QM max rate and term refinance with DSCR Score of XXX is XXX% Loan close at 84.80% CLTV which exceeds the max of XXX% XXX rental income / XXX PITI = XXX% - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Qualifying DSCR meets Guidelines - Due Diligence Vendor-XXX/XXX/XXX | | matrix df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175750 | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2026-05-06 13:16 | 2026-05-12 10:29 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see updated Preliminary Report - Buyer-XXX/XXX/XXX | Open-Property Title Issue Title shows XXXs LLC / XXX XXX XXXXXX as owner and Borrower as XXX, LLC Appraiser shows XXXs LLC as owner and Borrower XXX LLC Loan was flipped from XXX to XXX at closing. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XXX/XXX/XXX | | Preliminary_Title_Report_-_NV_Snapshot_9 df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175750 | C | A | C | A | A | A | A | A | Closed | FCOM8997 | 2026-05-05 15:30 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175750 | C | A | C | A | A | A | A | A | Closed | FPRO8998 | 2026-05-06 18:20 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175776 | C | A | C | A | A | A | A | A | Closed | FCRE1200 | 2026-05-06 13:45 | 2026-05-11 10:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of XXX is greater than or equal to the Guideline Minimum Loan Amount of XXX - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW, this loan was approved using the updated April guidelines. Please see updated XXX that correct guideline details - Buyer-XXX/XXX/XXX | Open-Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Loan amount is lower than minimum required loan amount. No exception found in the loan file. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Audited Loan Amount of XXX is greater than or equal to the Guideline Minimum Loan Amount of XXX - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Updated XXX df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175776 | C | A | C | A | A | A | A | A | Closed | FCOM8997 | 2026-05-06 13:15 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175776 | C | A | C | A | A | A | A | A | Closed | FPRO8998 | 2026-05-06 13:55 | 2026-05-07 17:28 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175751 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2026-05-07 12:02 | 2026-05-12 11:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-CPA letter States borrower is XXX% owner on Sch C, which is used for soler proprietors. lender used Tiered Expense Ratio per XX/XX/XXXX GL section XXX. Lender is not considering the borrower's Tree service business as a heavy equipment business. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: HI, The borrower was qualified with the Tiered expense ratio per guidelines. He has a tree service and does tree maintenance. This is not a heavy equipment business. I used a XXX% business expense. XXX-Tiered Expense Ratio • Eligible deposits from the bank Statements are reduced by the expense ratio to determine qualifying income of the business • Expense Ratio: § The expense ratio is tiered based on certain aspects of the borrower’s business including but not limited to the industry, number of employees, business type, business location, etc. § Expense ratios below XXX% will generally be for borrowers whose businesses have limited employees, are in service industries or other industries without the need of heavy equipment and have minimal facilities. § Expense ratios can be as low as XXX% which is generally reserved for businesses with no employees in a service industry and no other employees other than the borrowers on the loan • Qualifying Income Calculation: § Average monthly eligible deposits multiplied by (XXX minus the applicable Expense Ratio noted in the table below) § Note: The borrower’s verified percentage of ownership in the business must be taken into consideration for the calculation. - Buyer-XXX/XXX/XXX | Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% Tree Business is with heavy equipment per on line documentation with several employees. There is not a letter from a CPA in the file disclosing the expense ratio. Lender used XXX% expense ratio without letter from CPA/ Business is a Product Business due to heavy equipment and employees Therefore auditor income was less than the lenders due to the expense ratio used PER Genway XXX GL A XXX% expense ratio is always required, regardless of business type Expense ratios below XXX% will generally be for borrowers whose businesses have limited employees, are in service industries or other industries without the need of heavy equipment, and minimal facilities. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX Business Narrative df | XXX CPA letter and SE Business Web verification df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175751 | C | A | C | A | A | A | A | A | Closed | FPRO8998 | 2026-05-07 12:07 | 2026-05-11 11:32 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175751 | C | A | C | A | A | A | A | A | Closed | FCOM8997 | 2026-05-07 15:47 | 2026-05-11 11:32 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175723 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-05-08 12:15 | 2026-05-15 11:22 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see supporting documentation of proof of refund and delivery - Seller-XXX/XXX/XXX | Counter-Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. Please also provide copy of check or copy of cashed check to clear exception. - Due Diligence Vendor-XXX/XXX/XXX | Resolved- - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached PCCD, loe to the borrower, and proof of refund - Seller-XXX/XXX/XXX | Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the VOE fee on the initial CD. The VOE was obtained on XXX/XXX/XXX, however not disclosed until XX/XX/XXXX which is not considered timely - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see supporting documentation of proof of refund and delivery - Seller-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached PCCD, loe to the borrower, and proof of refund - Seller-XXX/XXX/XXX | | Cured-Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. - Due Diligence Vendor-XXX/XXX/XXX | Resolved- - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | PCCD LOE and Proof of Refund df | Hester check df | proof of delivery df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175723 | C | B | A | A | C | B | A | A | Closed | FCOM9186 | 2026-05-08 12:14 | 2026-05-12 12:29 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | eSigned Documents Consent is Missing | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. econsent attached - Buyer-XXX/XXX/XXX | Open-The eSigned consent disclosure is missing. The earliest econsent in file is XXX/XXX, however the earliest electronically signed document is XX/XX/XXXX - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | EConsent df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175723 | C | B | A | A | C | B | A | A | Closed | FCRE8999 | 2026-05-07 13:24 | 2026-05-11 11:32 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175723 | C | B | A | A | C | B | A | A | Closed | FPRO8998 | 2026-05-07 13:24 | 2026-05-11 11:32 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175771 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-07 14:52 | 2026-05-11 11:32 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175771 | A | A | A | A | A | A | A | A | Closed | finding-3352 | 2026-05-07 16:58 | 2026-05-11 11:32 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175771 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-08 14:27 | 2026-05-11 11:32 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175684 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-06-08 12:27 | 2026-06-08 15:46 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived. Final appraisal with an updated XXX were received confirming the current value. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. - Due Diligence Vendor-XXX/XXX/XXX | Open-Per guidelines, a full appraisal is required. Only a Field Report was provided and confirms to support the appraised value. Documentation of the original appraisal is required. In addition, higher appraised value was utilized for the loan with supporting documentation. - Due Diligence Vendor-XXX/XXX/XXX | Open-Appraisal is Missing. - Due Diligence Vendor-XXX/XXX/XXX | Full Appraisal provided. - XX/XX/XXXX | | | | Resolved-Appraisal is Present or is Waived. Final appraisal with an updated XXX were received confirming the current value. - Due Diligence Vendor-XXX/XXX/XXX | | XXX Appraisal df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175684 | D | A | A | A | A | A | D | A | Closed | FCRE8999 | 2026-05-11 12:25 | 2026-05-12 18:30 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175684 | D | A | A | A | A | A | D | A | Closed | FCOM8997 | 2026-05-11 12:43 | 2026-05-12 18:30 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175779 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-11 11:11 | 2026-05-12 18:30 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175779 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-11 11:11 | 2026-05-12 18:30 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175779 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-11 13:44 | 2026-05-12 18:30 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175748 | B | A | A | A | B | A | A | A | Closed | FCOM1266 | 2026-05-11 18:38 | 2026-05-18 09:45 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached HOCL - Buyer-XXX/XXX/XXX | Open-Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.39% is less than Guideline CLTV of 90% | HOCL df | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175748 | B | A | A | A | B | A | A | A | Closed | FCOM5135 | 2026-05-11 18:38 | 2026-05-18 09:45 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Documentation Provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached disclosure - Buyer-XXX/XXX/XXX | Open-Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Required Affiliated Business Disclosure Documentation Provided. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.39% is less than Guideline CLTV of 90% | Affiliated Business Disclosure df | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175748 | B | A | A | A | B | A | A | A | Closed | FCRE8999 | 2026-05-11 14:04 | 2026-05-13 10:56 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.39% is less than Guideline CLTV of 90% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175748 | B | A | A | A | B | A | A | A | Closed | FPRO8998 | 2026-05-11 14:05 | 2026-05-13 10:56 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.39% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.39% is less than Guideline CLTV of 90% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175766 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-13 11:23 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175766 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-13 12:02 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175766 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-13 12:02 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175709 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-13 11:43 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175709 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-13 14:02 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175709 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-13 14:02 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175714 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-13 12:40 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175714 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-13 15:39 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175714 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-13 15:39 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175754 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-13 13:38 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175754 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-13 15:46 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175754 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-13 15:46 | 2026-05-15 15:05 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175760 | C | A | A | A | A | A | C | A | Closed | FPRO9990 | 2026-05-19 11:27 | 2026-05-21 13:15 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Resolved-Third party valuation product provided within tolerance. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached CDA report - Buyer-XXX/XXX/XXX | Open-Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP in the file for FNMA does not provide a score. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Third party valuation product provided within tolerance. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | CDA report df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175760 | C | A | A | A | A | A | C | A | Closed | FCRE8999 | 2026-05-19 11:33 | 2026-05-20 15:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175760 | C | A | A | A | A | A | C | A | Closed | FCOM8997 | 2026-05-20 13:45 | 2026-05-20 15:04 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175778 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-19 13:43 | 2026-05-20 15:04 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175778 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-19 13:43 | 2026-05-20 15:04 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175778 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-20 13:45 | 2026-05-20 15:04 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175749 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-20 15:18 | 2026-05-22 14:32 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175749 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-20 15:19 | 2026-05-22 14:32 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175749 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-22 13:10 | 2026-05-22 14:32 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175691 | B | A | A | A | B | A | A | A | Closed | FCOM9186 | 2026-05-22 10:18 | 2026-05-26 14:48 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | eSigned Documents Consent is Missing | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. econsent attached - Buyer-XXX/XXX/XXX | Open-The eSigned consent disclosure is missing. The eSigned documents consent is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | EConsent df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175691 | B | A | A | A | B | A | A | A | Closed | finding-3352 | 2026-05-20 15:37 | 2026-05-22 14:32 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175691 | B | A | A | A | B | A | A | A | Closed | FPRO8998 | 2026-05-21 11:24 | 2026-05-22 14:32 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175775 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-05-20 16:49 | 2026-06-14 10:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-per UW: The XXX late with Selene Mtg was included in the BK. please waive condition - Buyer-XXX/XXX/XXX | Open-Housing History Does Not Meet Guideline Requirements Selene Mortgage XXX down into foreclosure when paid off XX/XX/XXXX. Short sale was XX/XX/XXXX after the release of the BK in XX/XX/XXXX - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Housing History Meets Guideline Requirements. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175775 | C | A | C | A | A | A | A | A | Closed | FCRE1441 | 2026-05-20 17:27 | 2026-06-14 10:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Delinquent Credit History Meets Guideline Requirements. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-per UW: Max LTV for credit event is XXX% XXX months which meets the guidelines. please waive condition - Buyer-XXX/XXX/XXX | Open-Delinquent Credit History Does Not Meet Guideline Requirements TrailBlazer DSCR GL Derogatory Credit Housing Events: Max financing for events seasoned >/= XXX months. Bankruptcy less than XXX months pass. Bankruptcy was discharged XXX months ago less than required XXX months seasonings BK discharge date XX/XX/XXXX - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Delinquent Credit History Meets Guideline Requirements. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175775 | C | A | C | A | A | A | A | A | Closed | FPRO8998 | 2026-05-20 17:33 | 2026-05-22 14:32 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175775 | C | A | C | A | A | A | A | A | Closed | FCOM8997 | 2026-05-22 13:10 | 2026-05-22 14:32 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175695 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-22 10:33 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175695 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-22 13:49 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175695 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-22 13:49 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175694 | C | A | A | A | C | A | A | A | Closed | FCOM5135 | 2026-05-22 12:38 | 2026-05-27 16:47 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Documentation Provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Affiliated Business disclosure attached - Buyer-XXX/XXX/XXX | Open-Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Required Affiliated Business Disclosure Documentation Provided. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Affliated Business Disclosure df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175694 | C | A | A | A | C | A | A | A | Closed | FCOM1266 | 2026-05-26 16:33 | 2026-05-27 16:47 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. HOCL attached - Seller-XXX/XXX/XXX | Open-Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. HOCL attached - Seller-XXX/XXX/XXX | | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | HOCL df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175694 | C | A | A | A | C | A | A | A | Closed | finding-2962 | 2026-05-22 12:49 | 2026-05-26 17:49 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175694 | C | A | A | A | C | A | A | A | Closed | finding-3352 | 2026-05-22 12:49 | 2026-05-26 17:49 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175694 | C | A | A | A | C | A | A | A | Closed | FCRE8999 | 2026-05-26 15:29 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175694 | C | A | A | A | C | A | A | A | Closed | FPRO8998 | 2026-05-26 15:29 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175763 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-22 13:29 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175763 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-22 15:35 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175763 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-22 15:35 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175688 | D | A | D | A | A | A | A | A | Closed | FCRE5809 | 2026-05-26 13:04 | 2026-05-27 15:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Per lender - CPA completed P&L (our form) would supersede this requirement as it’s much more detailed expense wise and would be fully acceptable. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: Please see attached as the CPA completed P&L (our form) would supersede this requirement as it’s much more detailed expense wise and would be fully acceptable - Buyer-XXX/XXX/XXX | Open-If the expenses on the P&L are less than XXX% then the Self-Employed Business Narrative form must be signed/validated by one of the following prior to closing: ▪ Licensed Tax Preparer (PTIN, CTEC, EA, or CPA), or ▪ Controller, CFO, Finance/Accounting manager of the business Self-Employed Business Narrative form is not signed by the CPA - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Per lender - CPA completed P&L (our form) would supersede this requirement as it’s much more detailed expense wise and would be fully acceptable. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | XXX CPA P&L df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175688 | D | A | D | A | A | A | A | A | Closed | FCOM8997 | 2026-05-22 14:09 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175688 | D | A | D | A | A | A | A | A | Closed | FPRO8998 | 2026-05-26 17:08 | 2026-05-26 17:49 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175692 | B | A | A | A | B | A | A | A | Closed | FCOM9186 | 2026-05-26 12:42 | 2026-05-28 15:01 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | eSigned Documents Consent is Missing | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. econsent attached - Buyer-XXX/XXX/XXX | Open-The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | EConsent df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175692 | B | A | A | A | B | A | A | A | Closed | finding-3352 | 2026-05-26 12:43 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to A. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175692 | B | A | A | A | B | A | A | A | Closed | FPRO8998 | 2026-05-27 11:33 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175692 | B | A | A | A | B | A | A | A | Closed | FCRE8999 | 2026-05-27 11:33 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175715 | C | A | C | A | A | A | A | A | Closed | FCRE5774 | 2026-05-26 15:34 | 2026-06-01 10:58 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Lender confirmed the credit report Completed date of XX/XX/XXXX is within XXX days of the Note date. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-There is a revised Credit Report in file dated on XXX/XXX/XXX. This is before the XXX day expiration date as this loan closed on XXX/XXX/XXX. Please waive condition - Buyer-XXX/XXX/XXX | Counter-Please provide compensating factors for condition waiver. Per Guidelines the credit report may not be more than XXX days old at the time of closing. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-the report dated on XX/XX/XXXX is just a soft pull. please waive condition - Buyer-XXX/XXX/XXX | Open-Borrower 1 Credit Report is Partially Present. The credit report dated XX/XX/XXXX does not reflect credit scores. Provide the credit scores for credit report XX/XX/XXXX - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Lender confirmed the credit report Completed date of XX/XX/XXXX is within XXX days of the Note date. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175715 | C | A | C | A | A | A | A | A | Closed | FCRE1182 | 2026-05-26 15:15 | 2026-05-29 10:16 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. XXX attached - Buyer-XXX/XXX/XXX | Open-Missing Approval/Underwriting Summary. Provide the XXX - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX - Transmittal Summary df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175715 | C | A | C | A | A | A | A | A | Closed | FPRO8998 | 2026-05-26 15:41 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175715 | C | A | C | A | A | A | A | A | Closed | FCOM8997 | 2026-05-27 13:51 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175745 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-26 14:09 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175745 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-27 10:43 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175745 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-27 10:43 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175687 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-26 13:08 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175687 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-27 13:49 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175687 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-27 13:49 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 47.37% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.37% is less than Guideline CLTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175713 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-26 13:31 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175713 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-27 13:39 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175713 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-27 13:39 | 2026-05-27 17:33 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175699 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-27 11:10 | 2026-05-28 13:35 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175699 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-27 14:35 | 2026-05-28 13:35 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175699 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-27 14:36 | 2026-05-28 13:35 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 65% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 65% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175689 | D | A | D | A | A | A | A | A | Closed | FCRE2009 | 2026-05-27 15:45 | 2026-05-29 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Rent Loss Insurance Missing | Resolved-Rent Loss Coverage Present - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: I have attached the email I received the clear the rent loss coverage. The Borrowers' spouse owns the primary residence, and he is not a first-time homebuyer. - Buyer-XXX/XXX/XXX | Open-Missing rent loss insurance coverage Rent loss insurance is required and must equal at least six XXX months of PITIA; Rent Loss was excluded - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Rent Loss Coverage Present - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX XXXXXX rent loss df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175689 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-05-27 15:07 | 2026-05-29 10:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Per UW: I am attaching a copy of the mortgage payment coupon that is in the verification of the mortgage folder that was cleared - Buyer-XXX/XXX/XXX | Open-Housing History Does Not Meet Guideline Requirements Per XX/XX/XXXX GL FTHB First Time Home Buyer DSCR requires XXX months VOR XXX XXX XXX Deed XXX XXX XXXXXXs as owner but the rent free letter has XXX XXX XXXXXX (States borrower is husband)- not the same person - if XXX XXX XXXXXX the same as XXX XXX XXXXXX, owner as spouse of our borrower, then XXX mortgage history must be provided due to FTHB DSCR. Per GL INTIN Credit If the housing history is not reported on the credit report, alternative documentation (such as a VOR, VOM, etc.) must be provided to support a payment history for the most recent XXX months. The most recent six XXX months of payments must be documented with cancelled checks. Interspousal Transfer from XXX XXXXXX to XXXXXX XXX XXXXXX XX/XX/XXXX - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | XXX XXXXXX mortgage payment coupon. df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175689 | D | A | D | A | A | A | A | A | Closed | FCOM8997 | 2026-05-27 11:24 | 2026-05-28 13:35 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175689 | D | A | D | A | A | A | A | A | Closed | FPRO8998 | 2026-05-27 16:24 | 2026-05-28 13:35 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175752 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-27 11:38 | 2026-05-28 13:35 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.91% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.91% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175752 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-27 16:29 | 2026-05-28 13:35 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.91% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.91% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175752 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-27 16:29 | 2026-05-28 13:35 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.91% is less than Guideline LTV of 70% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.91% is less than Guideline CLTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175721 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-05-28 07:42 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175721 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-28 10:56 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175721 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-28 10:56 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||||
| 400175690 | D | A | D | A | A | A | C | A | Closed | FCRE0394 | 2026-05-27 17:30 | 2026-06-02 10:01 | Resolved | 1 - Information | C | A | Credit | Data | Borrower 1 Unable to Determine borrower citizenship | Resolved-XXXhip has been determined. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached Final 1003. DSCR loans do not require an initial application form. - Buyer-XXX/XXX/XXX | Open-Borrower 1 Unable to Determine borrower XXXhip. The initial and final loan application and borrower Identification documents were not provided. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-XXXhip has been determined. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Final 1003 df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175690 | D | A | D | A | A | A | C | A | Closed | FVAL9739 | 2026-05-28 10:58 | 2026-06-02 09:56 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Property/Appraisal Meets Guidelines - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached appraisal report - Buyer-XXX/XXX/XXX | Open-Property/Appraisal guideline violation: A full URAR appraisal is required on all loans. Lender provide a Field review report not a FULL Appraisal Monthly rent must be documented with the appraisal (FNMA form 1007/XXX) and lease agreement. XXX for DSCR loans was not provided. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Property/Appraisal Meets Guidelines - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Appraisal Report df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175690 | D | A | D | A | A | A | C | A | Closed | FCOM1232 | 2026-05-28 12:22 | 2026-06-02 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached Final 1003 - Seller-XXX/XXX/XXX | Open-The Final 1003 is Missing. Loan application is missing - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see attached Final 1003 - Seller-XXX/XXX/XXX | | Resolved-The Final 1003 is Present - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Final 1003 df | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175690 | D | A | D | A | A | A | C | A | Closed | FCOM8997 | 2026-05-28 08:12 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175753 | B | A | A | A | B | A | A | A | Closed | FCOM1266 | 2026-05-28 17:04 | 2026-06-02 19:03 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. HOCL attached - Buyer-XXX/XXX/XXX | Open-Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX business days of application date of XXX/XXX/XXX. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | HOCL df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175753 | B | A | A | A | B | A | A | A | Closed | FCOM5135 | 2026-05-28 17:04 | 2026-06-02 19:03 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Documentation Provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Affiliated Business attached - Seller-XXX/XXX/XXX | Open-Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Affiliated Business attached - Seller-XXX/XXX/XXX | | Resolved-Required Affiliated Business Disclosure Documentation Provided. - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Affiliated Business Disclosure df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175753 | B | A | A | A | B | A | A | A | Closed | finding-3352 | 2026-05-28 17:04 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175753 | B | A | A | A | B | A | A | A | Closed | FCRE8999 | 2026-05-28 13:28 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175753 | B | A | A | A | B | A | A | A | Closed | FPRO8998 | 2026-05-28 13:28 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175731 | C | B | A | A | C | B | A | A | Closed | finding-3352 | 2026-05-28 17:28 | 2026-06-04 15:20 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175731 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-06-01 10:21 | 2026-06-04 15:20 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Received copy of PCCD, LOE, Copy of refund and proof of shipment for testing; exception cured. - Due Diligence Vendor-XXX/XXX/XXX | Resolved- - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached LOE, PCCD, and proof of refund/delivery - Seller-XXX/XXX/XXX | Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero tolerance violation in the amount of XXX is due to addition of the appraisal review fee on CD dated XXX/XXX/XXX. COC dated XX/XX/XXXX indicates appraisal review required by UW. Appraisal review was completed on XXX/XXX/XXX, and the invoice is also dated XXX/XXX/XXX. Fee addition not re-disclosed within three business days of change. - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Open- - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached LOE, PCCD, and proof of refund/delivery - Seller-XXX/XXX/XXX | | Cured-Received copy of PCCD, LOE, Copy of refund and proof of shipment for testing; exception cured. - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | LOE, PCCD, proof of refund-delivery df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175731 | C | B | A | A | C | B | A | A | Closed | FCRE8999 | 2026-05-28 16:22 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175731 | C | B | A | A | C | B | A | A | Closed | FPRO8998 | 2026-05-28 16:22 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175712 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-05-28 14:07 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175712 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-05-28 14:07 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175712 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-06-01 10:31 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175722 | D | A | D | A | B | A | A | A | Closed | FCOM5135 | 2026-05-29 10:20 | 2026-06-02 13:08 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Documentation Provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. disclosure attached - Buyer-XXX/XXX/XXX | Open-Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Required Affiliated Business Disclosure Documentation Provided. - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.19% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.19% is less than Guideline CLTV of 70% | Affiliated Business Disclosures df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175722 | D | A | D | A | B | A | A | A | Closed | FCOM9186 | 2026-06-01 09:25 | 2026-06-02 13:08 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | eSigned Documents Consent is Missing | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. please see initial econsent form from XX/XX/XXXX - Buyer-XXX/XXX/XXX | Open-The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XXX/XXX/XXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. Initial disclosures indicate they were signed via Docusign with envelope ID ending BDF9. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Evidence of eConsent is provided. - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.19% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.19% is less than Guideline CLTV of 70% | EConsent df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175722 | D | A | D | A | B | A | A | A | Closed | FCRE1316 | 2026-06-01 10:34 | 2026-06-02 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation is sufficient. VOE provided. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. signed/dated VVOE attached. - Seller-XXX/XXX/XXX | Open-Borrower 1 3rd Party VOE Prior to Close Missing. Verbal verification from was not signed and dated. The verification of income form was dated XX/XX/XXXX but within XXX days prior to closing. Verification borrower was employed XXX days prior to closing, is missing - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. signed/dated VVOE attached. - Seller-XXX/XXX/XXX | | Resolved-Documentation is sufficient. VOE provided. Exception resolved. - Due Diligence Vendor-XXX/XXX/XXX | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.19% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.19% is less than Guideline CLTV of 70% | VVOE XXX XXXXXX (fixed) df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175722 | D | A | D | A | B | A | A | A | Closed | FPRO8998 | 2026-05-29 13:13 | 2026-06-01 11:38 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.19% is less than Guideline LTV of 70% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.19% is less than Guideline CLTV of 70% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175777 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-06-01 07:14 | 2026-06-02 17:18 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175777 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-06-01 14:11 | 2026-06-02 17:18 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175777 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-06-01 14:11 | 2026-06-02 17:18 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175686 | D | A | A | A | D | A | A | A | Closed | FCOM1274 | 2026-06-03 09:24 | 2026-06-05 11:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Flood Insurance impound account confirmed. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Escrow Waiver provided and page XXX of the CD indicates that there are no impounds for Taxes and Hazard Insurance. The reason why page XXX of the CD indicates that there is escrow impounds is due to the property being located in a flood zone, which requires flood insurance to be impounded. Due to this loan having flood insurance impounds, page XXX is marked accordingly. - Buyer-XXX/XXX/XXX | Counter-Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XXX/XXX/XXX | Ready for Review-Document Uploaded. Please see attached escrow waiver - Buyer-XXX/XXX/XXX | Open-Escrow Waiver is Missing Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Flood Insurance impound account confirmed. - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Escrow Waiver df | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | |||
| 400175686 | D | A | A | A | D | A | A | A | Closed | FPRO8998 | 2026-06-02 09:36 | 2026-06-03 17:11 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175686 | D | A | A | A | D | A | A | A | Closed | FCRE8999 | 2026-06-02 09:36 | 2026-06-03 17:11 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Borrower has stable job time - Borrower has XXX years on job. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175738 | A | A | A | A | A | A | A | A | Closed | FCRE8999 | 2026-06-03 10:53 | 2026-06-04 16:22 | Resolved | 1 - Information | A | A | Credit | Data | No Credit Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan meets all applicable credit guidelines. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.88% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.88% is less than Guideline CLTV of 75% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175738 | A | A | A | A | A | A | A | A | Closed | FPRO8998 | 2026-06-03 10:53 | 2026-06-04 16:22 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.88% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.88% is less than Guideline CLTV of 75% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175738 | A | A | A | A | A | A | A | A | Closed | FCOM8997 | 2026-06-03 11:18 | 2026-06-04 16:22 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.88% is less than Guideline LTV of 75% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.88% is less than Guideline CLTV of 75% | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175737 | D | A | D | A | A | A | A | A | Closed | FCOM1232 | 2026-06-03 10:17 | 2026-06-04 16:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The Final 1003 is Missing. The final and initial 1003 are missing - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175737 | D | A | D | A | A | A | A | A | Closed | FCOM8997 | 2026-06-03 11:24 | 2026-06-04 16:22 | Resolved | 1 - Information | A | A | Compliance | Data | No Compliance Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-The loan is in compliance with all applicable laws and regulations. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A | ||||
| 400175737 | D | A | D | A | A | A | A | A | Closed | FPRO8998 | 2026-06-03 11:30 | 2026-06-04 16:22 | Resolved | 1 - Information | A | A | Property | Data | No Property Findings | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | Open-Property and valuations related findings were not identified on the loan. - Due Diligence Vendor-XXX/XXX/XXX | | | Resolved-Informational - Due Diligence Vendor-XXX/XXX/XXX | | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | ATR/QM: Exempt | ATR/QM: Exempt | $XXXXXX | XXX | XXX | XXX | XXX | N/A | N/A |
| 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 | Orginator 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 | Other Lien 2 Amount | Other Lien 2 Position | Other Lien 3 Amount | Other Lien 3 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 | Other Appraised Value | Other Variance Amount | Other Variance Percent | Other Appraisal Date | Blanket Mortgage Flag | Borrower Mailing Street Address | Borrower Mailing Address City | Borrower Mailing Address State | Borrower Mailing Address Zip |
| 400175725 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175677 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 65.33 | 65.33 | 65.33 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159025 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 31.58 | 31.58 | 31.58 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159095 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175697 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159049 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159063 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | XX/XX/XXXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175718 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175735 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175708 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 73.63 | 73.63 | 73.63 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175733 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175693 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175764 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175717 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175740 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | XX/XX/XXXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175705 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | XX/XX/XXXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175768 | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175734 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175774 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 66.67 | 66.67 | 66.67 | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175747 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175680 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 71.43 | 71.43 | 71.43 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175711 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 60.0 | 60.0 | 60.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175719 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175736 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 68.21 | 68.21 | 68.21 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175767 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 47.17 | 47.17 | 47.17 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175679 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175682 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 60.0 | 60.0 | 60.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175681 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175701 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175729 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | true | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175702 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 57.3 | 57.3 | 57.3 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175707 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 53.28 | 53.28 | 53.28 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175730 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 79.99 | 79.99 | 79.99 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175742 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 66.0 | 66.0 | 66.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175750 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 84.81 | 84.81 | 84.81 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175776 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175723 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 60.0 | 60.0 | 60.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175771 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | true | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175684 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 62.76 | 62.76 | 62.76 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | 2000 One Unit Appraisal Field Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175779 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175748 | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 73.39 | 73.39 | 73.39 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175766 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175709 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175714 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175754 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175760 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175778 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175749 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175691 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | true | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 90.0 | 90.0 | 90.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175775 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 64.98 | 64.98 | 64.98 | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175695 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175694 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | true | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 84.75 | 84.75 | 84.75 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175763 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175688 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | true | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 85.0 | 85.0 | 85.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175692 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 79.73 | 79.73 | 79.73 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175715 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 69.99 | 69.99 | 69.99 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175745 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 60.0 | 60.0 | 60.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175687 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 47.37 | 47.37 | 47.37 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175713 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 60.0 | 60.0 | 60.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175699 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 50.0 | 50.0 | 50.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175689 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175752 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 40.91 | 40.91 | 40.91 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175721 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 65.0 | 65.0 | 65.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175690 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | 2000 One Unit Appraisal Field Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175753 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 90.0 | 90.0 | 90.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175731 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | true | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175722 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 31.19 | 31.19 | 31.19 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175777 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | 2000 One Unit Appraisal Field Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175738 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 59.88 | 59.88 | 59.88 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175737 | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XX/XX/XXXX | Desk Review | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175726 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 49.18 | 49.18 | 49.18 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Yes | No | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175751 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175712 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 84.13 | 84.13 | 84.13 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | DSCR | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | Unknown | Y | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | $XXX | No | XXX | XXX | None | XXX | None | XXX | None | ATR/QM: Exempt | ATR/QM: Exempt | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | Not Tested | Not Tested | XXX | XXX | No | XXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175686 | XXX | XXX | XXX | XXX | XXXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | false | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | $XXX | $XXX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Conventional | Fixed | XXX | XXX | XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XX/XX/XXXX | No | XXX | No | No | No | N | XXX | XXX | XXX | No | Yes | XXX | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | $XXX | Yes | XXX | XXX | XXX | None | XXX | None | XXX | None | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | No | No | XXX | XXX | No | XXX | XXX | XXX | XXX |
| Loan ID | Seller Loan ID | Investor Loan ID | Transaction ID | Field Name | Source | Verified Value | Bid Tape Value | Comment |
| 400175725 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Confirmed from the note borrower has the right to repay | ||
| 400175725 | XXX | Property Type | propertyValuationPage | XXX | XXX | Confirmed from the appraisal the property is a double wide manufactured home | ||
| 400175725 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Confirmed the PITI is XXX | ||
| 400175725 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit's DTI slightly higher due to full P&I amounts used on XXX XXX XXX and XXX XXX XXX vs lender's rounded amounts of XXX and $XXX. | ||
| 400175677 | XXX | Loan Type | the1003Page | XXX | XXX | Loan program is DSCR | ||
| 400175677 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment rider an addendum was provided | ||
| 400175677 | XXX | Property Type | propertyValuationPage | XXX | XXX | Confirmed property is a XXX unit | ||
| 400175677 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Confirmed PITI is XXX | ||
| 400159025 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per note here is no Prepayment penalty. Variance is due to field character max. | ||
| 400159025 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Total housing expense of XXX matches LM and final XXX | ||
| 400159095 | XXX | Loan Type | the1003Page | XXX | XXX | Final 1003/XXX Support the loan type is DSCR opposed to conventional | ||
| 400159095 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Auditor calculated the following for housing expenses that gave the final total qualifying housing expenses. P & I XXX + Taxes: XXX + HOI:$XXX=$XXX. | ||
| 400159095 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per guidelines no ratio is required | ||
| 400159095 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | See Auditor calculations to calculate DSCR: Gross Rent: $XXX/Total Housing expenses $XXX=XXX% | ||
| 400175697 | XXX | Loan Type | the1003Page | XXX | XXX | Loan program is DSCR | ||
| 400175697 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment rider was provided. | ||
| 400175697 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PITI is $XXX. PI XXX taxes XXX HOI XXX Special assessment XXX = XXX | ||
| 400159049 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Program is DSCR | ||
| 400159049 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment rider wa provided. | ||
| 400159049 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PITI is XXX | ||
| 400159063 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Same data | ||
| 400159063 | XXX | Property Type | propertyValuationPage | XXX | XXX | Double wide per appraisal | ||
| 400159063 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Housing expense listed, lenders figure is the DTI | ||
| 400175718 | XXX | Loan Type | the1003Page | XXX | XXX | Loan type is DSCR ITIN | ||
| 400175718 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Borrower was not provided with a prepayment addendum/rider and does not have prepayment penalties | ||
| 400175718 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PITI XXX | ||
| 400175718 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Loan program is XP XXX ITIN DSCR with no debt to income ratio | ||
| 400175735 | XXX | Loan Type | the1003Page | XXX | XXX | Per 1003/Subject loan type is a DSCR | ||
| 400175735 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per Note the borrower will not have prepayment obligations | ||
| 400175735 | XXX | Property Type | propertyValuationPage | XXX | XXX | PER APPRAISAL-Subject is a single family detached end-unit | ||
| 400175735 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Auditor verified total housing expenses XXX | ||
| 400175735 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per guidelines XXX DTI | ||
| 400175708 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type confirmed with XXX | ||
| 400175708 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Qualifying Total Housing Expense PITIA confirmed with Final CD. | ||
| 400175733 | XXX | Loan Type | the1003Page | XXX | XXX | Loan type is DSCR | ||
| 400175733 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty addendum and rider was provided. | ||
| 400175693 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type DSCR | ||
| 400175693 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment rider and addendum was provided. | ||
| 400175693 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX flood XXX HOI XXX taxes XXX = XXX | ||
| 400175764 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type confirmed with XXX | ||
| 400175764 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Qualifying Total Housing Expense PITIA confirmed with Final CD. | ||
| 400175717 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Program is DSCR | ||
| 400175717 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment addendum and rider was provded. | ||
| 400175717 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX HOA XXX = XXX | ||
| 400175740 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type DSCR as shown under True data field | ||
| 400175740 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Both fields are correct, True data have limit on characters for this field. | ||
| 400175740 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | True Data reflects correct PITIA. | ||
| 400175740 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender DSCR calc is reflected in Tape data | ||
| 400175705 | XXX | Loan Type | the1003Page | XXX | XXX | DSCR loan | ||
| 400175705 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Same data | ||
| 400175705 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | DTI place in wrong data tape box | ||
| 400175768 | XXX | Loan Type | the1003Page | XXX | XXX | DSCR loan | ||
| 400175768 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Same data | ||
| 400175768 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Per credit report | ||
| 400175734 | XXX | Loan Type | the1003Page | XXX | XXX | Loan program is DSCR | ||
| 400175734 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment rider was provided. | ||
| 400175734 | XXX | Property Type | propertyValuationPage | XXX | XXX | Confirmed property is a doublewide manufactured home | ||
| 400175734 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX = XXX | ||
| 400175774 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | No prepayment penalties was provided. | ||
| 400175774 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Borrower provided two year history employment/income for a full two year Doc Typr | ||
| 400175774 | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX | The XXX Value is XXX and the desk top value is XXX | ||
| 400175774 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = XXX PITI | ||
| 400175774 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender did not used the updated credit liabilities reporting on the most recent credit report pulled dated XX/XX/XXXX | ||
| 400175726 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment rider was not provided | ||
| 400175726 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | income documentation was not provided, lender has XXX monthly income and income worksheet shows $XXX.XXX/XXX=$XXX from paystub through XX/XX/XXXX and two years W2. Neither paystub for the W2 were in the file | ||
| 400175726 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX HOA XXX = XXX PITIA | ||
| 400175726 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | income documentation was not provided, lender has XXX monthly income and income worksheet shows $XXX.XXX/XXX=$XXX from paystub through XX/XX/XXXX and two years W2. Neither paystub for the W2 were in the file. | ||
| 400175747 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment rider was provided. | ||
| 400175747 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Borrower provided YTD pays tub for XXX and W2 for XXX for a full two years income documentaion | ||
| 400175747 | XXX | Property Type | propertyValuationPage | XXX | XXX | subject property is a XXX unit detached property | ||
| 400175747 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = PITI XXX | ||
| 400175747 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender included " paid time off " in XXX YTD Commission pay and used W2 YTD which included other pay. XXX Commission pay was not provide. Lender used W2 for XXX and XXX which included other pay Auditor used ONLY Commission pay verified for YTD XXX and XXX breakdown was not provided. Auditors income was less than the lenders. Auditors XXX Lenders XXX Lender did not include HOA on Primary and Pitching and Lender used incorrect child support. Lender used XXX and the actual deduction on paystub is XXX monthly | ||
| 400175680 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175680 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment rider was provided | ||
| 400175680 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = XXX | ||
| 400175680 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DSCR score XXX DTI not required | ||
| 400175711 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175711 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Confirmed Prepayment Penalties Addendum was provided | ||
| 400175711 | XXX | Property Type | propertyValuationPage | XXX | XXX | Confirmed the subject property is a manufactured double wide home | ||
| 400175711 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Tax XXX HOI XXX HOA XXX = XXX PITIA | ||
| 400175719 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175719 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Penalty Rider was provided | ||
| 400175719 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = XXX | ||
| 400175736 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | No prepayment penalty rider was provided. | ||
| 400175736 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Loan is a two year income documented loan | ||
| 400175736 | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Due to rounding | ||
| 400175736 | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Due to rounding | ||
| 400175736 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = XXX | ||
| 400175736 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Due to rounding | ||
| 400175736 | XXX | Loan Product Type | miscellaneousDataPage | XXX | XXX | Loan product is a XXX year fix rate term | ||
| 400175767 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175767 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175767 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Full PITI is XXX | ||
| 400175679 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175679 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175679 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX per supporting documentation in the file | ||
| 400175682 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175682 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175682 | XXX | Property County | deedOfTrustPage | XXX | XXX | per appraisal county is XXX | ||
| 400175682 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PITIA is XXX | ||
| 400175681 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175681 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175681 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175701 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is no prepayment penalty | ||
| 400175701 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175729 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Same data | ||
| 400175729 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Lenders figure is a percentage | ||
| 400175729 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender is using an updated credit report | ||
| 400175702 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175702 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalties addendum wdas provide. | ||
| 400175702 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX = XXX PITI | ||
| 400175702 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Loan is a DSCR loan | ||
| 400175702 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Due to rounding | ||
| 400175707 | XXX | Loan Type | the1003Page | XXX | XXX | Loan type is DSCR | ||
| 400175707 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty addendum was provided. | ||
| 400175707 | XXX | Property Type | propertyValuationPage | XXX | XXX | Property is a XXX unit property | ||
| 400175707 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = XXX | ||
| 400175707 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender used estimated market rents XXX and auditor used actual rents, XXX | ||
| 400175730 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175730 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty was not provided. | ||
| 400175730 | XXX | Property Type | propertyValuationPage | XXX | XXX | Subject property is a XXX unit | ||
| 400175730 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX - XXX PITI | ||
| 400175730 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Loan is DSCR. Debt to income ratio does not apply | ||
| 400175730 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender PITI XXX the actual is XXX | ||
| 400175742 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175742 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175742 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175750 | XXX | Loan Type | the1003Page | XXX | XXX | Loan is a DSCR loan type | ||
| 400175750 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Penalty addendum was provided. | ||
| 400175750 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = XXX | ||
| 400175776 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175776 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175776 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PITIA XXX per documentation provided in the file. | ||
| 400175776 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | DSCR is XXX | ||
| 400175751 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Actual PITI is XXX Taxes XXX HOI XXX = $XXX. Tape is incorrect | ||
| 400175751 | XXX | Loan Product Type | miscellaneousDataPage | XXX | XXX | Loan Product is ITIN XXX year fix | ||
| 400175723 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalties was not provided. | ||
| 400175723 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Loan documentation for a full two years doc type | ||
| 400175723 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX = PITIXXX tape is incorrect | ||
| 400175771 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is no prepayment penalty | ||
| 400175771 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175771 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI on the lender's XXX in the file is XXX% The audit DTI is XXX% the variance is with in the HOI the audit HOI is XXX and the lender used XXX | ||
| 400175684 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type id DSCR | ||
| 400175684 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalties rider was provided | ||
| 400175684 | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Updated XXX and full appraisal were received confirming the value amount was XXX | ||
| 400175684 | XXX | Property Type | propertyValuationPage | XXX | XXX | Confirmed subject property is a Double wide manufactures home. Attached to the Field Review the Original Statement of Ownership showing two Serial Number | ||
| 400175684 | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Updated XXX and full appraisal were received confirming the value amount was XXX | ||
| 400175684 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PITIA PI XXX taxes XXX HOI XXX = XXX PITI on subject property | ||
| 400175779 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is no prepayment penalty | ||
| 400175779 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | XXX year XXX and lender requested an exception to the income documentation. | ||
| 400175779 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The full PITIA is XXX | ||
| 400175748 | XXX | Borrower 1 First Name | notePage | XXX | XXX | The borrowers first name is XXX | ||
| 400175748 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | The borrower's Last Name is XXXXX | ||
| 400175748 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is no prepayment penalty | ||
| 400175748 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITI is XXX | ||
| 400175766 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175766 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Rider was provided. | ||
| 400175766 | XXX | Property Type | propertyValuationPage | XXX | XXX | confirmed the subject property is a double wide manufacture home | ||
| 400175766 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX HOI XXX Taxes XXX = XXX | ||
| 400175709 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175709 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175709 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITI is XXX | ||
| 400175714 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DCSR | ||
| 400175714 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Penalty rider was provided. | ||
| 400175714 | XXX | Property Type | propertyValuationPage | XXX | XXX | Subject property is a manufactured double wide home | ||
| 400175714 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX = XXX PITI | ||
| 400175714 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DCSAR no debt to income ratio required | ||
| 400175714 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Due to rounding | ||
| 400175754 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175754 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is no prepayment penalty | ||
| 400175754 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175760 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175760 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175760 | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal the property is a XXX units | ||
| 400175760 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The pitia is XXX | ||
| 400175760 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DCSR file the DTI is not noted in the file | ||
| 400175778 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175778 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175778 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175749 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty rider was not provided. | ||
| 400175749 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PIXXX Taxes XXX HOI XXX Flood XXX PITI XXX | ||
| 400175749 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Veritiv of reasons, property XXX XXX Auditor calculated Taxes and insurance XXX lender had XXX Auditor used cents on all mortgages and lender rounded. Lender did not include Flood insurance XXX on the loan application for the subject property. Lender included XXX (actual is $XXX) for overages shortage on XXX XXX ll these created slight variation in the DTI | ||
| 400175691 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty was not provided. | ||
| 400175691 | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX | First appraisal XXX the second appraisal was XXX but the purchase price of XXX was used for LTV | ||
| 400175691 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX HOA XXX = $XXX..XXX | ||
| 400175775 | XXX | Loan Type | the1003Page | XXX | XXX | Loan type is DSCR | ||
| 400175775 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty rider wss provided | ||
| 400175775 | XXX | Property Type | propertyValuationPage | XXX | XXX | Subject property is a XXX unit | ||
| 400175775 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | |||
| 400175775 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender did not include taxes and HOA from the primary residence | ||
| 400175695 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175695 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Penalty addendum was provided. | ||
| 400175695 | XXX | Closing/Settlement Date | closingDetailsNonCompliancePage | XXX | XXX | The closing date is XX/XX/XXXX and the signature date is XX/XX/XXXX | ||
| 400175695 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Pi XXX Taxes XXX HOi XXX = XXX | ||
| 400175695 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender used XXX rental income and the actual renal income per lease and the XXX from the appraiser is XXX | ||
| 400175694 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalties was not provided. | ||
| 400175694 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX HOI XXX taxes XXX HOA XXX = XXX | ||
| 400175763 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175763 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Borrower was not provide a prepayment penalty addendum | ||
| 400175763 | XXX | Property Type | propertyValuationPage | XXX | XXX | subject property is a double wide manufactured home with HOA | ||
| 400175763 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX HOi XXX = XXX | ||
| 400175688 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty addendum not provided. | ||
| 400175688 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | 2YR PNL and XXX mth bank Statement to support PNL | ||
| 400175688 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PIXXX taxes XXX HOI XXX = XXX | ||
| 400175688 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender took the lower of the two months deposits XXX as income however GL State two months bank Statement must support the YTD PNL. YTD PNL income is XXX the two months bank Statement support YTD PNL The gross deposits on the two XXX months of bank Statements must support the gross revenue on the XXX-or XXX-month P&L | ||
| 400175692 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalties was not provided. | ||
| 400175692 | XXX | Property Type | propertyValuationPage | XXX | XXX | Confirmed subject property is a double wide manufactured home | ||
| 400175692 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX HOI XXX Flood XXX taxes XXX = XXX | ||
| 400175715 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Per Note | ||
| 400175715 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | No Prepayment | ||
| 400175715 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Doc type matches | ||
| 400175715 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI=$XXX, Tax=XXX, HI= XXX FI=XXX | ||
| 400175715 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | PITI = XXX Income base=XXX & OT=XXX, Other debt=$XXX WVOE not used: white out and weekly income typed not matching handwritten, and weekly per paystub was lower. | ||
| 400175745 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175745 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175745 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175687 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175687 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175687 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175687 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | This loan was underwritten as DSCR no DTI | ||
| 400175713 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type DSCR | ||
| 400175713 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Penalty Addendum was provided. | ||
| 400175713 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX = XXX | ||
| 400175713 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | This is a DSCR loan DTI not required | ||
| 400175699 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175699 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175699 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA is XXX | ||
| 400175689 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type DSCR ITIN | ||
| 400175689 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Confirmed Prepayment Penalty Addendum was provided. | ||
| 400175689 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = XXX | ||
| 400175752 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175752 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175752 | XXX | Property Type | propertyValuationPage | XXX | XXX | Per the appraisal the property is a manufactured home appraisal report. | ||
| 400175752 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The pitia XXX | ||
| 400175752 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | HOI Policy shows premium is lower than lender calculated. Proceeded with the lower amount - resulting in the lower DSCR calculation. | ||
| 400175721 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175721 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Last Name is XXXXX | ||
| 400175721 | XXX | Borrower 1 First Name | notePage | XXX | XXX | The first name is XXX | ||
| 400175721 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is no prepayment penalty | ||
| 400175721 | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Mid Score is XXX | ||
| 400175721 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | The PITIA XXX | ||
| 400175721 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175690 | XXX | Loan Type | the1003Page | XXX | XXX | Loan type is DSCR | ||
| 400175690 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Penalties addendum was provided. | ||
| 400175690 | XXX | Borrower 1 First Name | notePage | XXX | XXX | Confirmed borrowers first name is XXX | ||
| 400175690 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Confirmed borrower Last Name is XXXXXX | ||
| 400175690 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = $XXX. Lender used estimated taxes per the first payment letter | ||
| 400175690 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | The XXX States XX/XX/XXXX is and estimate | ||
| 400175753 | XXX | Borrower 1 First Name | notePage | XXX | XXX | Confirmed Borrowers first name is XXX | ||
| 400175753 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalties addendum was provided | ||
| 400175753 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX HOA XXX = XXX | ||
| 400175753 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | updated credit report shows XXX Card increased in debt and monthly payment XXX to XXX. | ||
| 400175731 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | The borrower's Last Name is XXXXXX | ||
| 400175731 | XXX | Borrower 1 First Name | notePage | XXX | XXX | The borrower's first name is XXX | ||
| 400175731 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is no prepayment penalty | ||
| 400175731 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Per the supporting documentation the PITIA is XXX | ||
| 400175712 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175712 | XXX | Borrower 1 First Name | notePage | XXX | XXX | The borrower's first name is XXX | ||
| 400175712 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | The borrower's Last Name is XXXXXX | ||
| 400175712 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175712 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | the PITIA $ XXX | ||
| 400175712 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175722 | XXX | Borrower 1 First Name | notePage | XXX | XXX | B1 First Name is XXX | ||
| 400175722 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | B1 Last Name is XXXXXX | ||
| 400175722 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Penalty waws not provided. | ||
| 400175722 | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Borrower provided XXX years of income history documentaion | ||
| 400175722 | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Due to rounding | ||
| 400175722 | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | Due to rounding | ||
| 400175722 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX Taxes XXX HOI XXX = XXX | ||
| 400175722 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The lender has XXX monthly other debt on the XXX but on the 1003 the lender has XXX monthly debt, Auditor has XXX monthly debt | ||
| 400175777 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty addendum was provided. | ||
| 400175777 | XXX | Borrower 1 First Name | notePage | XXX | XXX | B1 first name us XXX | ||
| 400175777 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI $XXX=$XXX | ||
| 400175777 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | XXX / rent estimate $XXX/$XXX = XX/XX/XXXX Confirmed | ||
| 400175686 | XXX | Borrower 1 First Name | notePage | XXX | XXX | B1 first name is XXX | ||
| 400175686 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment penalty was not provided. | ||
| 400175686 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX HOI XXX Flood XXX = XXX | ||
| 400175738 | XXX | Loan Type | the1003Page | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175738 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | The borrower Last Name is XXXXXX | ||
| 400175738 | XXX | Borrower 1 First Name | notePage | XXX | XXX | Borrower's first name is XXX | ||
| 400175738 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Per the note there is a prepayment penalty | ||
| 400175738 | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX | The variance is due to the lender using a lower appraised value of XXX and the appraisal value noted in the file is XXX | ||
| 400175738 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | Total PITIA is XXX | ||
| 400175738 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | This loan was underwritten as DSCR | ||
| 400175737 | XXX | Loan Type | the1003Page | XXX | XXX | Loan Type is DSCR | ||
| 400175737 | XXX | Borrower 1 First Name | notePage | XXX | XXX | Borrower first name is XXX | ||
| 400175737 | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Confirmed Last Name is XXXXXX | ||
| 400175737 | XXX | Prepayment Penalty Flag | notePage | XXX | XXX | Prepayment Penalty Addendum was provided. | ||
| 400175737 | XXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXX | XXX | PI XXX taxes XXX no HO6 wallsin in master HOA $= XXX |
| 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 |
| 400175677 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Business Entity | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159095 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175697 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400159049 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Business Entity | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175718 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175735 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175708 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Business Entity | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175733 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175693 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Individual Guarantor | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175764 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175717 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175740 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175705 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175768 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1025 | XXX | $XXX | Appraisal - 1025 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Business Entity | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175734 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Vested Individual | XXX | XXXXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175774 | XXX | XXX | 2YR Full Doc | Present | No | XXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175747 | XXX | XXX | 2YR Full Doc | Present | No | XXX | XXX | $XXX | No | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175680 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175711 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 0 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | Vested Individual | XXX | XXXXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175719 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | XXX | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175767 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175679 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Vested Individual | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175682 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175681 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175702 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | Vested Individual | XXX | XXXXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175707 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1025 | XXX | XXX | $XXX | Appraisal - 1025 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | 3500 | 04-30-2026 | 0 | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Business Entity | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||
| 400175730 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1025 | XXX | $XXX | Appraisal - 1025 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175742 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Actual In Place Rent | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175750 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Actual In Place Rent | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Vested Individual | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175776 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175684 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175766 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Actual In Place Rent | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175709 | XXX | XXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175714 | XXX | XXX | Debt Service Coverage Ratio | N/A | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175754 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175760 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1025 | XXX | $XXX | Appraisal - 1025 | No | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Vested Individual | XXX | XXXXX | Vested Individual | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175778 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175749 | XXX | XXX | 24 Month Bank Statement | Present | No | XXX | XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175775 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1025 | XXX | $XXX | Appraisal - 1025 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175695 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175763 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175745 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Actual In Place Rent | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175687 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175713 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175699 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175689 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | XXX | $XXX | Actual In Place Rent | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175752 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175721 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175690 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175777 | XXX | XXX | Debt Service Coverage Ratio | Present | Yes | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | XXX | XX/XX/XXXX | XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175738 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | No | Individual Guarantor | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175737 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | $XXX | Appraisal - 1007 | No | XXX | XXX | $XXX | $XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175751 | XXX | XXX | 24 Month Bank Statement | Present | No | XXX | XXX | $XXX | No | 1 | 1 | N/A | XXX | No | Vested Individual | XXX | XXXXX | XXX | XXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 400175712 | XXX | XXX | Debt Service Coverage Ratio | Present | No | XXX | XXX | Appraisal - 1007 | XXX | XXX | XXX | $XXX | AirDNA | Yes | XXX | XXX | $XXX | $XXX | No | XXX | 1 | 1 | N/A | XXX | Yes | XXX | XXX | Individual Guarantor | XXX | XXXXX | XXX | XXX | XXX |
| Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 400175725 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175677 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400159025 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | $XXX | N/A | XXX | No | No | ||||||
| 400159095 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | No | Yes | Present | ||||||||||
| 400175697 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400159049 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400159063 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175718 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175735 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175708 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175733 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175693 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175764 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175717 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175740 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175705 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175768 | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | ||||||||||||
| 400175734 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175774 | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | $XXX | N/A | XXX | No | Yes | Present | ||||||||||
| 400175747 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | N/A | XXX | No | Yes | Present | |||||||||
| 400175680 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175711 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | No | Yes | Present | ||||||||||
| 400175719 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175736 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175767 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175679 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175682 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175681 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175701 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175729 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175702 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | No | Yes | Present | ||||||||||
| 400175707 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175730 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | N/A | No | Yes | Present | ||||||||||
| 400175742 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | No | Yes | Present | ||||||||||
| 400175750 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175776 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175723 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175771 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175684 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175779 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175748 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175766 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175709 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175714 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | N/A | |||||||||||
| 400175754 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175760 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | No | Yes | Present | ||||||||||
| 400175778 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175749 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | N/A | XXX | No | Yes | Present | |||||||||
| 400175691 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Not Tested | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175775 | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | N/A | No | Yes | Present | |||||||||||
| 400175695 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175694 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175763 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175688 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175692 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Not Tested | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | |||||||
| 400175715 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Not Tested | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | |||||||
| 400175745 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175687 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175713 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175699 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175689 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175752 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175721 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175690 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175753 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175731 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175722 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXX | N/A | XXX | No | No | ||||||
| 400175777 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | N/A | No | Yes | Present | ||||||||||
| 400175738 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175737 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175726 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Not Tested | $XXX | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | No | $XXX | N/A | XXX | No | No | ||||||
| 400175751 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | $XXX | N/A | XXX | No | Yes | Present | |||||||||
| 400175712 | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXX | No | Yes | Present | |||||||||||
| 400175686 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Not Tested | XXX | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | $XXX | N/A | XXX | No | No |