Exhibit 99.4

EXECUTIVE SUMMARY

SAN 2026-NQM6

By Clarifii LLC on July 20, 2026

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CLARIFII CONTACT INFORMATION

Christine Aug		Jason Luttenberger
Vice President of Due Diligence		President and Chief Operating Officer
Phone: 813.735.4487		Phone: 917.742.7797
E-mail: Christine.Aug@Clarifii.com		E-mail: Jason.Luttenberger@Clarifii.com

OVERVIEW

Clarifii LLC (“Clarifii”) conducted an independent third-party pre-securitization due diligence review (the “Review”) of 85 Loans (the “Loans”) originated by a correspondent lender and acquired by Santander Bank N.A. (SBNA) (the “Client”) for the SAN 2026-NQM6 transaction. The Loans referenced in this narrative report were reviewed between 04/2026 to 07/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii’s review.

ORIGINATORS

Origination channels for the Loans in this review:

Origination Channel	Loan Count	% of Pool	Original Balance
Retail	2	2.35%	$899,000.00
Wholesale	83	97.65%	$43,057,792.00
Total	85	100.00%	$43,956,792.00

The Review consisted of a population of 85 Loans, with an aggregate principal balance of $43,956,792.00.

CLARIFII’S THIRD PARTY REVIEW (TPR) SCOPE OF WORK

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

LOAN SAMPLING

The Clients defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii’s knowledge, the Review covered 100% of the transaction Loan population.

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations (“NRSROs”) specified below:

Identity of NRSRO

Title and Date of Criteria

S&P Global Ratings

Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;

Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025

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DATA INTEGRITY

Clarifii performed a data comparison review of the data fields provided by the Clients on the Loan tape to the data found in the Loan file as captured by Clarifii. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

Data Comparison Field

Amortization Term

ARM Initial Fixed Rate Period

ARM Subsequent Interest Rate Cap

ARM Subsequent Payment Change Frequency

Blanket Mortgage Flag

Borrower 1 Bankruptcy in past 7 years?

Borrower 1 Credit Report Date

Borrower 1 First Name

Borrower 1 FTHB

Borrower 1 Last Name

Borrower 1 Qualifying Income

Borrower 1 SSN

Borrower 2 First Name

Borrower 2 Last Name

Borrower 2 Qualifying Income

Calculated DSCR

Cash Disbursement Date

Cash out Include Debt Paid at Close

First Payment Date

Index

Index Lookback Period

Index Rounding Factor

Initial Monthly P&I Or IO Payment

Interest Only Flag

Interest Only Term

Interest Rate

Lien Position

Loan Amount

Loan ID

Loan Program

Loan Purpose

Margin

Maturity Date

MIN No

Months Since Bankruptcy

Note Date

Note Type

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Number of Units

Occupancy

Origination Foreclosure Flag

Originator Doc Type

Originator QM Status

Payment Frequency

Prepayment Penalty Calculation

Prepayment Penalty Flag

Prepayment Penalty Total Term

Primary Appraised Property Value

Property Address

Property Attachment Type

Property City

Property County

Property State

Property Type

Property Zip Code

Qualifying Amortization Term

Qualifying CLTV

Qualifying FICO

Qualifying Housing Debt Income Ratio

Qualifying LTV

Qualifying Total Debt Income Ratio

Qualifying Total Housing Expense PITIA

Qualifying Total Reserves Number of Months

Sales Price

Term

Total Qualified Assets Available For Reserves

Total Qualifying Income

CREDIT UNDERWRITING

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Clients, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

Loan Attributes

To determine borrower program eligibility, Clarifii verified the following Loan attributes and, where applicable, recalculated based on the information provided:

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Assets and Reserves

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Gross Income

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Lien Position

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Loan Purpose

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Housing History

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Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

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Monthly Debt

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Occupancy

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Property Type

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Qualifying principal, interest, tax, insurance, and association dues (PITIA)

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Debt to Income Ratio (DTI)

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Residual Income

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Debt Service Coverage Ratio (DSCR)

Credit Application

Clarifii verified the following items per the Uniform Residential Loan Application Form 1003 (1003):

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All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2

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Borrower(s) employment history

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Citizenship and eligibility

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First time home buyer status

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The application was signed by all borrowers

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The application was substantially complete

Credit History

Clarifii verified the following items:

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A credit report or alternative credit history as applicable to Loan type is present for each borrower

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Bankruptcy and foreclosure seasoning

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Captured the monthly consumer debt payments for use in the applicable DTI calculation

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Installment and revolving payment history

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Mortgage/Rental payment history

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Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

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Number of tradelines

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Credit Score(s) and Qualifying Score Methodology

Employment and Income

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the Loan was calculated in accordance with the guidelines. Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

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Tax returns

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Financial statements

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Paystubs

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IRS Form W-2s

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IRS Form 1099

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IRS documents

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Bank statements

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Lease agreements

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Award letters

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Other documentation in Loan file

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Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

Property Insurance and Taxes

Clarifii confirmed the presence of the insurance and tax information for the following:

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Confirmed that the flood certification is for the correct borrower, property, lender, and Loan number and is a “Life of Loan” certification

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

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Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

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For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines

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For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines

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Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current

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

Debt Service Coverage Ratio (DSCR)

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Calculated DSCR, as required by guidelines

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Confirmed documentation requirements have been met

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Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines

DOCUMENT REVIEW

Clarifii reviewed each Loan file and verified if the following documents were included in the file and if the data on these documents was consistent (where applicable):

Initial and Final 1003 Application

Note

Mortgage/Deed of Trust

Appraisal

Sales Contract

Title Commitment/Policy

Junior Lien/Subordination Agreement

Mortgage Insurance

Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section

Flood Certification

Initial and Final Loan Estimate (LE)

Initial and Final and Closing Disclosure (CD)

Post-Consummation Closing Disclosure (PCCD), as applicable

COMPLIANCE REVIEW

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage Loan met the relevant provisions of:

Anti-Predatory Lending Requirements, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

Truth in Lending Act (TILA), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

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Equal Credit Opportunity Act (ECOA), 15 U.S.C. §1691, as implemented by Regulation B, 12 C.F.R. §1001.1(b)

Compliance Documentation Requirements

Clarifii reviewed the following documents as they related to regulatory compliance:

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Initial and final application (1003)

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Note, including all addendums

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Copy of note for any junior liens (if applicable)

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Mortgage / Deed of Trust, including all riders

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Initial, Interim, and Final Loan Estimates (LE)

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Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

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Notice of Right to Cancel (when applicable)

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Rate Lock Date

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HOEPA Disclosures (when applicable)

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Initial Escrow Account Disclosure

Anti-Predatory Lending (Assignee Liability)

Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any Loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

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TILA/RESPA Integrated Disclosure Testing (TRID)

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope (“TRID Grid 3.0” v.12/05/2019).

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Right of Rescission

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

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Qualified Mortgage and Ability to Repay

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage (“QM”) and Ability-to-Repay (“ATR”) requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

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Real Estate Settlement Procedures Act (RESPA)/Regulation X

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

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Equal Credit Opportunity Act (ECOA)/Regulation B

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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Fair Credit Reporting Act (FRCA)/Regulation V

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

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Miscellaneous Compliance Testing

Mandatory Arbitration – Clarifii reported mandatory arbitration provisions present in the Loan file.

Single Premium Credit Insurance – Clarifii reported single premium credit insurance policies or debt cancellation agreements present in the Loan file.

State prepayment and late charge restrictions – Clarifii reported instances where a prepayment penalty that exceeds the state permitted penalty has expired.

State and Local Anti-Predatory Requirements

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

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Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

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California Anti-Predatory Lending (“Covered Loan”, Cal. Fin. Code § 4970 et seq.

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California Higher-Priced Mortgage Loan (“CA HPML”), Cal. Fin. Code §4995 et seq.

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Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

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Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

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Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

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District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

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Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

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Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

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Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

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Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

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Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

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Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

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Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

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Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

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Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

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Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

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Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

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Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

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Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

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Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183I.

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Massachusetts “Borrower’s Interest” Standard, M.G.L. Chapter 183, §28C.

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Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

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Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

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Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

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Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

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Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

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Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

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Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

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New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

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New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

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New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001).

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New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

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New York Subprime Home Loans, NY Bank. Law § 6-m.

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North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended.

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Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

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Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

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City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

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Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

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Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

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Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

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Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

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South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

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Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

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Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

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The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

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Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

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Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

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Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

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Virginia Mortgage Lender and Broker Act (for Loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

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Virginia Mortgage Lender and Broker Act (for Loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

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Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

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West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

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Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

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Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

Business Purpose Loan Compliance Review

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Non-Owner Occupied Declaration Disclosure

Verify reflects correct address

Verify application address is different from subject property

Verify executed by all borrowers

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Review Note accuracy and properly executed

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Review Mortgage and applicable riders for accuracy and properly executed

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Occupancy Letter (must state that borrower(s) will not reside in the property

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HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

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If property is in a flood zone, Flood Notice must be provided prior to closing

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Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

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Letter of Explanation detailing the use of proceeds.

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Borrower’s statement of purpose for the Loan.

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State License requirements when applicable

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State Predatory lending and high cost when applicable

QUALIFIED MORTGAGE (QM)

With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a Loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency, as permitted under the QM final rule, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file the Loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated Loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the Loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the Loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

ABILITY TO REPAY (ATR)

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

Note: for Loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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Clarifii reviewed Loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a Loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a Loan.

Clarifii’s review was based on information contained in the Loan file at the time it was provided for review.

VALUATION REVIEW

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

	·	Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)
		Clarifii checked for the presence of the appraiser’s license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

	·	Uniform Standards of Professional Appraisal Practice (USPAP)
		Clarifii confirmed the appraiser’s certification is present and executed within the original appraisal.

INDEPENDENT THIRD-PARTY VALUES

Clarifii applied a cascade methodology to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

Valuation Reconciliation Process:

If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance, no additional products were required.

If the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value, unless guidelines allowed for the use of the lower Desk Review or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

Uniform Collateral Data Portal (UCDP) Risk Score:

For Loans with a Fannie Mae Collateral Underwriter Score (CU), if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

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VALUATION RESULTS SUMMARY

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

Valuation Product	# of Files – No Hit	# of Files > -10% Variance to OA or Confidence < 80%	Number of Files within - 10% of OA or Acceptable UCDP Risk Score
AVM	0	0	12
BPO	0	0	0
LCA or CU Score <=2.5	0	0	37
Desk Review	0	0	34
Field Review	0	0	1
Second Full Appraisal	0	0	1

DUE DILIGENCE GRADING CRITERIA

Upon completion of the Loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, clients, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

Final Event Grade

A	Loan meets Credit, Compliance, and Valuation Guidelines.
B	The Loan materially 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 materially 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 Grade

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 materially 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 materially 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.

SAN 2026-NQM6 Due Diligence Narrative Report – PagE | 14

Valuation Event Grade

A	The value is supported within 10% of the original appraisal by supporting documents (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 Government-Sponsored Enterprise (GSE) approved forms.
B	The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. 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.

Compliance Event Grade

A	The Loan is compliant 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 missing, 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.

SAN 2026-NQM6 Due Diligence Narrative Report – PagE | 15

CLARIFII DUE DILIGENCE RESULTS

Below are the final overall Loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

Final Overall Loan Grade Results

Overall Review Results
Overall	Loan Count	% of Pool
A	77	90.59%
B	8	9.41%
C	0	0.00%
D	0	0.00%
Total	85	100.00%

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

Final Credit Component Grade Results

Credit Grade Summary
Credit	Loan Count	% of Pool
A	79	92.94%
B	6	7.06%
C	0	0.00%
D	0	0.00%
Total	85	100.00%

Final Property Valuation Grade Results

Property Grade Summary
Property	Loan Count	% of Pool
A	85	100.00%
B	0	0.00%
C	0	0.00%
D	0	0.00%
Total	85	100.00%

SAN 2026-NQM6 Due Diligence Narrative Report – PagE | 16

Final Regulatory Compliance Grade Results

Compliance Grade Summary
Compliance	Loan Count	% of Pool
A	83	97.65%
B	2	2.35%
C	0	0.00%
D	0	0.00%
Total	85	100.00%

ADDITIONAL LOAN SUMMARY DETAILS

Amortization Type

Amortization Type	Loan Count	% of Pool	Original Balance
ARM	1	1.18%	$562,500.00
Fixed	84	98.82%	$43,394,292.00
Total	85	100.00%	$43,956,792.00

Occupancy

Occupancy	Loan Count	% of Pool	Original Balance
Primary Residence	33	38.82%	$18,154,216.00
Second Home	5	5.88%	$3,078,500.00
Investment	47	55.30%	$22,724,076.00
Total	85	100.00%	$43,956,792.00

Loan Purpose

Loan Purpose	Loan Count	% of Pool	Original Balance
Refinance	49	57.65%	$27,053,601.00
Purchase	36	42.35%	$16,903,191.00
Total	85	100.00%	$43,956,792.00

Lien Position

Lien Position	Loan Count	% of Pool	Original Balance
1	85	100.00%	$43,956,792.00
Total	85	100.00%	$43,956,792.00

SAN 2026-NQM6 Due Diligence Narrative Report – PagE | 17

Original Term

Original Term	Loan Count	% of Pool	Original Balance
480	4	4.71%	$3,294,200.00
360	81	95.29%	$40,662,592.00
Total	85	100.00%	$43,956,792.00

DATA COMPARE RESULTS

Clarifii provided Clients with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the Loan review.

Summary of Data Compare Results

Data Comparison Field	Loans With Discrepancy	Total Times Compared	Accuracy %
Amortization Term	0	1	100.00%
ARM Initial Fixed Rate Period	0	1	100.00%
ARM Subsequent Interest Rate Cap	0	1	100.00%
ARM Subsequent Payment Change Frequency	0	1	100.00%
Blanket Mortgage Flag	0	1	100.00%
Borrower 1 Bankruptcy in past 7 years?	0	74	100.00%
Borrower 1 Credit Report Date	13	74	82.43%
Borrower 1 First Name	0	84	100.00%
Borrower 1 FTHB	2	74	97.30%
Borrower 1 Last Name	1	84	98.81%
Borrower 1 Qualifying Income	6	41	85.37%
Borrower 1 SSN	0	10	100.00%
Borrower 2 First Name	0	9	100.00%
Borrower 2 Last Name	0	9	100.00%
Borrower 2 Qualifying Income	1	3	66.67%
Calculated DSCR	2	47	95.74%
Cash Disbursement Date	4	84	95.24%
Cash out Include Debt Paid at Close	3	5	40.00%
First Payment Date	1	85	98.82%
Index	0	1	100.00%
Index Lookback Period	0	1	100.00%
Index Rounding Factor	0	1	100.00%
Initial Monthly P&I Or IO Payment	0	85	100.00%
Interest Only Flag	0	10	100.00%
Interest Only Term	0	5	100.00%
Interest Rate	0	85	100.00%
Lien Position	0	10	100.00%

SAN 2026-NQM6 Due Diligence Narrative Report – PagE | 18

Loan Amount	0	85	100.00%
Loan ID	0	85	100.00%
Loan Program	0	84	100.00%
Loan Purpose	0	85	100.00%
Margin	0	1	100.00%
Maturity Date	0	85	100.00%
MIN No	0	74	100.00%
Months Since Bankruptcy	1	1	0.00%
Note Date	1	75	98.67%
Note Type	0	11	100.00%
Number of Units	0	85	100.00%
Occupancy	0	84	100.00%
Origination Foreclosure Flag	1	74	98.65%
Originator Doc Type	0	10	100.00%
Originator QM Status	5	67	92.54%
Payment Frequency	0	74	100.00%
Prepayment Penalty Calculation	0	1	100.00%
Prepayment Penalty Flag	0	74	100.00%
Prepayment Penalty Total Term	0	42	100.00%
Primary Appraised Property Value	3	84	96.43%
Property Address	0	85	100.00%
Property Attachment Type	0	1	100.00%
Property City	0	85	100.00%
Property County	0	74	100.00%
Property State	0	85	100.00%
Property Type	4	85	95.29%
Property Zip Code	0	85	100.00%
Qualifying Amortization Term	0	10	100.00%
Qualifying CLTV	0	10	100.00%
Qualifying FICO	2	85	97.65%
Qualifying Housing Debt Income Ratio	0	10	100.00%
Qualifying LTV	2	84	97.62%
Qualifying Total Debt Income Ratio	5	52	90.38%
Qualifying Total Housing Expense PITIA	4	10	60.00%
Qualifying Total Reserves Number of Months	32	78	58.97%
Sales Price	0	36	100.00%
Term	0	74	100.00%
Total Qualified Assets Available For Reserves	14	48	70.83%
Total Qualifying Income	6	42	85.71%

SAN 2026-NQM6 Due Diligence Narrative Report – PagE | 19

CLARIFII THIRD PARTY REPORTS DELIVERED

Clarifii furnished the following reports on this transaction:

Narrative Report/Executive Summary

Attestation Forms

ASF Report

Rating Agency Grade Detail and Summary Report

Data Compare Report

Valuations Report

Rating Agency ATR/QM Report

Supplement Data Extract

Business Purpose Supplement Data Extract Report

Disclaimer

Clarifii LLC (“the Company”) performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).

Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii’s review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from Loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.

Ratings, analysis, reports, and other opinions (referred to collectively as “Reports”) issued by the Company are provided “as is” and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the “author” of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.

Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.

The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.

SAN 2026-NQM6 Due Diligence Narrative Report – PagE | 20

Redaction ID

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?

1072136

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1083862

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

N/A

Yes

Present

1083863

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

N/A

Yes

Present

1093028

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1113188

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1115705

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

9654.75

7.747

Yes

N/A

Yes

N/A

Yes

35848.43

N/A

Employed

1118857

XXXX

QM: Safe Harbor Verified (V SH)

Yes

8284

7.097

Yes

N/A

Yes

N/A

Yes

N/A

6371.01

Yes

Employed

1122357

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1127061

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1127066

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1127213

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

6095

6.984

Yes

N/A

Yes

N/A

Yes

3867.24

Yes

Employed

1127215

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

8158.75

8.449

Yes

N/A

Yes

N/A

Yes

5176.28

N/A

Employed

1128607

XXXX

QM: Safe Harbor APOR (APOR SH)

4915

6.938

Yes

N/A

Yes

N/A

Yes

19692.44

N/A

Employed

1128609

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

10565

7.421

Yes

N/A

Yes

N/A

Yes

10257.02

Yes

Employed

1128610

XXXX

ATR/QM: Exempt

Yes

N/A

36759.04

N/A

Employed

Yes

Present

1129779

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1129782

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

N/A

Yes

Present

1129783

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

N/A

Yes

Present

1129786

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

N/A

Yes

Present

1130226

XXXX

QM: Safe Harbor Verified (V SH)

8035

6.938

Yes

N/A

Yes

N/A

Yes

39137.81

N/A

Employed

1130228

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

17039.38

6.773

Yes

N/A

Yes

N/A

Yes

18266.08

Yes

Employed

1130229

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1130230

XXXX

ATR/QM: Exempt

Yes

N/A

122771.81

Yes

Employed

Yes

Present

1132029

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

25195

7.458

N/A

Yes

N/A

Yes

N/A

Yes

17973.17

N/A

Employed

1132030

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

8317.52

7.19

Yes

N/A

Yes

N/A

Yes

3335.97

Yes

Retired

1132032

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1133999

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1134001

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1134003

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1135553

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1135554

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

8530.04

7.554

Yes

N/A

Yes

N/A

Yes

6190.54

N/A

Employed

1135555

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

9224.38

7.37

Yes

N/A

Yes

N/A

Yes

8477.58

Yes

Employed

1135557

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1136460

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1137123

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1137127

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

10980

7.454

Yes

N/A

Yes

N/A

Yes

8934.45

Yes

Employed

1137128

XXXX

Non-QM: Lender documented all ATR UW factors

Interest Only

Yes

2095

7.912

Yes

N/A

Yes

N/A

Yes

72945.85

Yes

Employed

1138816

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1138817

XXXX

ATR/QM: Exempt

N/A

Yes

Present

1138818

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

6106.81

8.1

Yes

N/A

Yes

N/A

Yes

2860.49

Yes

Employed

1138819

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

10420

7.341

Yes

N/A

Yes

N/A

Yes

3856.38

Yes

Employed

1138820

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

15783

6.655

Yes

N/A

Yes

N/A

Yes

11059.11

Yes

Employed

1140222

XXXX

QM: Safe Harbor APOR (APOR SH)

1747.5

7.635

Yes

N/A

Yes

N/A

Yes

5501.64

N/A

Employed

1140225

XXXX

ATR/QM: Exempt

Yes

N/A

60307.87

N/A

Employed

Yes

Present

1142034

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1142036

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

10295

6.661

Yes

N/A

Yes

N/A

Yes

11113.33

Yes

Employed

1144534

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1144535

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1144536

XXXX

ATR/QM: Exempt

N/A

Yes

N/A

Yes

18198.25

N/A

Employed

Yes

Present

1149985

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

2762.5

7.539

Yes

N/A

Yes

N/A

Yes

22528.48

Yes

Employed

1152592

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1152595

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1156105

XXXX

ATR/QM: Exempt

N/A

Yes

Present

1156106

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

8895

7.601

Yes

N/A

Yes

N/A

Yes

9012.04

N/A

Employed

1159811

XXXX

QM: Safe Harbor APOR (APOR SH)

10807

6.881

Yes

N/A

Yes

N/A

Yes

8617.98

N/A

Employed

1159813

XXXX

QM: Safe Harbor APOR (APOR SH)

8895

7.489

Yes

N/A

Yes

N/A

Yes

13775.58

N/A

Not Employed

Employed

1159814

XXXX

QM: Safe Harbor APOR (APOR SH)

21345.36

7.288

Yes

N/A

Yes

N/A

Yes

11351.73

N/A

Employed

1166842

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

13165

7.213

Yes

N/A

Yes

N/A

Yes

5087.69

Yes

Employed

1166843

XXXX

ATR/QM: Exempt

Yes

N/A

30440.61

N/A

Employed

Yes

Present

1166844

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1166845

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1166849

XXXX

QM: Safe Harbor APOR (APOR SH)

8735

6.652

Yes

N/A

Yes

N/A

Yes

63705.94

N/A

Employed

1166850

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

34435

6.745

Yes

N/A

Yes

N/A

Yes

74990.35

N/A

Employed

Not Employed

1173954

XXXX

QM: Safe Harbor APOR (APOR SH)

12545

7.788

Yes

N/A

Yes

N/A

Yes

68840.21

N/A

Employed

1173956

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1176874

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

11445

7.174

Yes

N/A

Yes

N/A

Yes

2928.24

Yes

Employed

1176875

XXXX

QM: Safe Harbor APOR (APOR SH)

32095

7.404

Yes

N/A

Yes

N/A

Yes

35047.07

N/A

Employed

Not Employed

1176879

XXXX

ATR/QM: Exempt

N/A

Yes

Present

1176880

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

10105

7.631

Yes

N/A

Yes

N/A

Yes

6647.95

Yes

Employed

1178807

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1182555

XXXX

QM: Safe Harbor APOR (APOR SH)

19994.75

6.794

Yes

N/A

Yes

N/A

Yes

17951.28

N/A

Employed

1184654

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1186692

XXXX

QM: Safe Harbor APOR (APOR SH)

37017.25

7.662

Yes

N/A

Yes

N/A

Yes

139828.98

N/A

Employed

1188451

XXXX

ATR/QM: Exempt

N/A

Yes

Present

1190906

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1192802

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

12682.5

6.965

Yes

N/A

Yes

N/A

Yes

5834.82

Yes

Employed

1195497

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1199801

XXXX

Non-QM: Lender documented all ATR UW factors

Loan Term Exceeds 30 Years

18296.25

7.715

Yes

N/A

Yes

N/A

Yes

22053.78

N/A

Employed

1201606

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1201607

XXXX

QM: Safe Harbor APOR (APOR SH)

15845

6.927

Yes

N/A

Yes

N/A

Yes

N/A

6655.19

Yes

Employed

1201608

XXXX

QM: Safe Harbor APOR (APOR SH)

11224.08

7.308

Yes

N/A

Yes

N/A

Yes

13768.63

N/A

Employed

1201611

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1201613

XXXX

Non-QM: Lender documented all ATR UW factors

QM Points and Fees Exceeded

Yes

6631

7.043

Yes

N/A

Yes

N/A

Yes

28605.27

N/A

Employed

1203582

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

1209038

XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

Redaction ID	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
1072136	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	13100	12500	Appraisal - 1025		N/A			12500	Appraisal - 1025	No	90.21	1.109	1.109	11275.97	8600	05-31-2027	12	4500	08-31-2026	12																	No			XXXX		12500								No	2.1	1	1	N/A	4.54	No			Vested Individual	XXXX	XXXX																			0			Tenant
1083862	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	3395	3845	Appraisal - 1025		N/A			3845	Appraisal - 1025	No	90.96	1.09	1.099	3497.46	1800	05-01-2026	12	995	07-01-2026	12	600	05-01-2026	12														Yes					3845								No	12.3	1	1	N/A	116.33	No			Vested Individual	XXXX	XXXX	Vested Individual	XXXX	XXXX																0			Tenant
1083863	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	4300	4300	Appraisal - 1025		N/A			4300	Appraisal - 1025	No	75.09	1.33	1.332	3229.03	3750	05-01-2026	12	550	06-01-2026	12																	Yes					4300								No	12.3	2	1	N/A	108.57	No			Vested Individual	XXXX	XXXX	Vested Individual	XXXX	XXXX																0			Tenant
1093028	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	5435	Short Term Rent Schedule or Analysis		N/A			5435	Short Term Rent Schedule or Analysis	No	94.13	1.12	1.062	5115.89																							No					5435								No	0.0	1	1	N/A	26.5	No	XXXX	Revocable Trust	Vested Individual	XXXX	XXXX																			0			Owner
1113188	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	4800	Appraisal - 1025		N/A			4800	Appraisal - 1025	No	79.32	1.256	1.261	3807.55																							No					4800								No	1.2	1	1	N/A	31.07	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Vacant
1122357	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	5200	Appraisal - 1007		N/A			5200	Appraisal - 1007	No	104	0.962	0.962	5407.93																							No					5200								No	4.2	1	1	N/A	1.52	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Vacant
1127061	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	1600	Appraisal - 1007		N/A			1600	Appraisal - 1007	No	133.74	0.75	0.748	2139.78																							No			XXXX		1600								No	0.2	1	1	N/A	82.52	Yes	XXXX	Corporation	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1127066	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	5200	3500	Appraisal - 1007		N/A			5200	Actual In Place Rent	No	88.56	1.12	1.129	4605.08	5200	04-30-2027	12																				Yes			XXXX		5200								No	1.0	1	1	N/A	12.04	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX										XXXX	XXXX	XXXX	XXXX					Yes	2	Full Recourse	XXXX	Tenant
1128610	XXXX		XXXX	XXXX	XXXX	2YR Business P&L	Present	No	0	2050	Appraisal - 1007		N/A				N/A	No		1.0	0	2606.68																							No			0		0								No	0.5	1	1	N/A	4.92	No			Vested Individual	XXXX	XXXX																			0			Tenant
1129779	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	1350	Appraisal - 1007		N/A			1350	Appraisal - 1007	No	91.57	1.09	1.092	1236.17																							Yes			XXXX	90000	1350								No	0.6	1	1	N/A	111.77	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Owner
1129782	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	3200	Appraisal - 1007		N/A			3200	Appraisal - 1007	No	99.47	1.0	1.005	3183.04																							Yes			XXXX		3200								No	0.0	1	1	N/A	72.85	No			Vested Individual	XXXX	XXXX																			0			Vacant
1129783	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	1650	1600	Appraisal - 1007		N/A			1600	Appraisal - 1007	No	62.63	1.59	1.597	1002.15	1650	05-01-2027	12																				Yes			0		1600								No	0.2	1	1	N/A	91.7	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Vacant
1129786	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	3600	Appraisal - 1007	10013.34	AirDNA	1		10013.34	AirDNA	Yes	56.99	1.77	1.755	5706.41																							No					10013.34								No	0.0	1	1	N/A	74.22	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Vacant
1130229	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	8200	8200	Appraisal - 1025		N/A			8200	Actual In Place Rent	No	84.19	1.188	1.188	6903.62	4000	11-30-2026	12	4200	01-31-2027	12																	No					8200								No	3.8	1	1	N/A	13.87	No	XXXX	Revocable Trust	Vested Individual	XXXX	XXXX																			0			Tenant
1130230	XXXX		XXXX	XXXX	XXXX	1YR Business P&L	Present	No	0		N/A		N/A				N/A	No			0	18023.2																							No					0								No	2.8	1	1	N/A	11.88	No			Vested Individual	XXXX	XXXX																			0			Tenant
1132032	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	4900	4650	Appraisal - 1007		N/A			4650	Appraisal - 1007	No	118.02	0.847	0.847	5487.89	4900	07-31-2026	12																				No					4650								No	9.4	1	1	N/A	46.75	No			Vested Individual	XXXX	XXXX																			0			Tenant
1133999	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	8000	8000	Appraisal - 1007		N/A			8000	Appraisal - 1007	No	100	1.0	1.0	7999.98	8000	01-31-2027	12																				No					8000								No	6.3	1	1	N/A	78.29	No			Vested Individual	XXXX	XXXX																			0			Tenant
1134001	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	3700	4400	Appraisal - 1025		N/A			4400	Appraisal - 1025	No	69.49	1.439	1.439	3057.45	1300	11-30-2026	12	1300	11-30-2026	12	1100	05-06-2026	1	0	05-06-2026	1											No					4400								No	4.9	1	1	N/A	92.9	No	XXXX	Revocable Trust	Vested Individual	XXXX	XXXX	Vested Individual	XXXX	XXXX																0			Tenant
1134003	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	4600	4600	Appraisal - 1007		N/A			4600	Actual In Place Rent	No	99.38	1.006	1.006	4571.35	4600	12-31-2026	24																				No					4600								No	4.3	1	1	N/A	59.58	Yes	XXXX	Corporation	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1135553	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	5000	4000	Appraisal - 1007		N/A			4000	Appraisal - 1007	No	98.88	1.011	1.011	3955.38	5000	01-31-2027	12																				No					4000								No	0.7	1	1	N/A	11.02	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX	Individual Guarantor	XXXX	XXXX															Yes	2	Full Recourse	XXXX	Tenant
1135557	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	4000	Appraisal - 1007		N/A			4000	Appraisal - 1007	No	91.87	1.089	1.089	3674.66																							No					4000								No	7.6	1	1	N/A	20.17	No			Vested Individual	XXXX	XXXX																			0			Tenant
1136460	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	2700	Appraisal - 1025		N/A			2700	Appraisal - 1025	No	78.44	1.27	1.275	2117.86																							Yes			XXXX		2700								No	1.2	1	1	N/A	38.35	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX	Individual Guarantor	XXXX	XXXX															Yes	2	Full Recourse	XXXX	Vacant
1137123	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	2000	Appraisal - 1007		N/A			2000	Appraisal - 1007	No	52.74	1.889	1.896	1054.77																							No					2000								No	0.0	1	1	N/A	75.87	No			Vested Individual	XXXX	XXXX																			0			Vacant
1138816	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	3125	Appraisal - 1007		N/A			3125	Appraisal - 1007	No	99.03	1.01	1.01	3094.66																							No					3125								No	0.0	1	1	N/A	1.98	No			Vested Individual	XXXX	XXXX																			0			Vacant
1138817	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	4600	4800	Appraisal - 1025		N/A			4600	Actual In Place Rent	No	82.36	1.214	1.214	3788.77	2300	07-01-2027	24	2300	04-01-2027	24																	No					4600								No	5.2	1	1	N/A	25.86	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1140225	XXXX		XXXX	XXXX	XXXX	12 Month Bank Statement	Present	No	0	26265	Appraisal - 1007		N/A			26265	Appraisal - 1007	No	69.54	6.7074	0	18265.17																							No					26265								No	3.5	1	1	N/A	8.55	No			Vested Individual	XXXX	XXXX																			0			Tenant
1142034	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	8950	7600	Appraisal - 1025		N/A			7600	Appraisal - 1025	No	89	1.123	1.124	6764.38	2250	08-31-2026	12	2200	07-31-2027	24	2250	04-30-2028	25	2250	08-31-2026	12											No			0		7600								No	1.1	1	1	N/A	4.13	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1144534	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	4987	Appraisal - 1007		N/A			4987	Appraisal - 1007	No	76.63	1.194	1.194	4176.5																							No					4987								No	0.0	1	1	N/A	52.92	No			Vested Individual	XXXX	XXXX																			0			Vacant
1144535	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	2400	Appraisal - 1007	2806.67	AirDNA	1		2806.67	AirDNA	Yes	99.64	1.003	1.004	2796.56																							No			XXXX		2806.67								No	0.0	1	1	N/A	3.65	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Vacant
1144536	XXXX		XXXX	XXXX	XXXX	12 Month Bank Statement	Present	No	0	3350	Appraisal - 1007		N/A			3350	Appraisal - 1007	No	170.56	0.5853	0	5713.62																							No			XXXX		3350								No	1.4	1	1	N/A	18.07	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1152592	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	3200	2600	Appraisal - 1007		N/A			2600	Appraisal - 1007	No	95.68	1.045	1.045	2487.8	3200	01-31-2027	24																				No					2600								No	3.5	1	1	N/A	74.43	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1152595	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	2600	Appraisal - 1007		N/A			2600	Appraisal - 1007	No	79.86	1.252	1.252	2076.25																							No					2600								No	0.0	1	1	N/A	11.16	No			Vested Individual	XXXX	XXXX																			0			Vacant
1156105	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	950	Appraisal - 1007		N/A			950	Appraisal - 1007	No	95.72	1.045	1.045	909.36																							No					950								No	0.2	1	1	N/A	98.59	No			Vested Individual	XXXX	XXXX	Vested Individual	XXXX	XXXX																0			Owner
1166843	XXXX		XXXX	XXXX	XXXX	2YR Full Doc	Present	No	0		N/A		N/A				N/A	No			0	2870.28																							No			XXXX		0								No	0.0	1	1	N/A	32.6	No			Vested Individual	XXXX	XXXX	Vested Individual	XXXX	XXXX																0			Vacant
1166844	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	1500	1500	Appraisal - 1007		N/A			1500	Appraisal - 1007	No	66.18	1.511	1.511	992.69	1500	05-18-2026	1																				No					1500								No	9.9	1	1	N/A	206.15	No			Vested Individual	XXXX	XXXX																			0			Tenant
1166845	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	7000	Appraisal - 1007		N/A			7000	Appraisal - 1007	No	124.89	0.801	0.801	8742.19																							No					7000								No	0.0	1	1	N/A	4.39	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Vacant
1173956	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	4650	Appraisal - 1025		N/A			4650	Appraisal - 1025	No	66.61	1.501	1.501	3097.44																							No					4650								No	0.0	1	1	N/A	58.48	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1176879	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	1400	1595	Appraisal - 1007		N/A			1400	Actual In Place Rent	No	79.16	1.263	1.263	1108.24	1400	04-15-2027	12																				No			0		1400								No	0.2	1	1	N/A	83.66	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1178807	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	3170	Appraisal - 1007		N/A			3170	Appraisal - 1007	No	98.25	1.018	1.018	3114.59																							No					3170								No	0.0	1	1	N/A	47.22	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1184654	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	1800	1550	Appraisal - 1007		N/A			1550	Appraisal - 1007	No	97.55	1.025	1.025	1511.96	1800	05-07-2027	12																				No			XXXX		1550								No	0.7	1	1	N/A	21.07	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Vacant
1188451	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	1600	Appraisal - 1025		N/A			1600	Appraisal - 1025	No	80.55	1.241	1.241	1288.85																							No					1600								No	0.0	1	1	N/A	222.29	No			Vested Individual	XXXX	XXXX																			0			Tenant
1190906	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	0	N/A	4433.33	AirDNA	1		4433.33	AirDNA	Yes	99	1.01	1.01	4389																							No			XXXX		4433.33								No	0.0	1	1	N/A	8.52	No			Vested Individual	XXXX	XXXX	Vested Individual	XXXX	XXXX																0			Owner
1195497	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	4350	4600	Appraisal - 1025		N/A			4600	Appraisal - 1025	No	50.38	1.985	1.985	2317.56	1150	11-01-2026	12	1025	06-05-2026	1	1150	06-05-2026	1	1025	06-05-2026	1											No			XXXX		4600								No	1.8	2	1	N/A	23.31	Yes	XXXX	Limited Liability Corporation (LLC)	Individual Guarantor	XXXX	XXXX																		Yes	1	Full Recourse	XXXX	Tenant
1201606	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	4500	3800	Appraisal - 1007		N/A			4500	Actual In Place Rent	No	78.75	1.27	1.27	3543.81	4500	10-31-2026	12																				No			XXXX		4500								No	2.6	1	1	N/A	9.1	No			Vested Individual	XXXX	XXXX	Vested Individual	XXXX	XXXX																0			Tenant
1201611	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	1650	2100	Appraisal - 1007		N/A			1650	Actual In Place Rent	No	69.69	1.435	1.435	1149.95	1650	10-31-2026	12																				No					1650								No	10.5	1	1	N/A	74.18	No			Vested Individual	XXXX	XXXX																			0			Tenant
1203582	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	Yes	1450	1500	Appraisal - 1007		N/A			1450	Actual In Place Rent	No	83.76	1.194	1.194	1214.45	1450	04-30-2027	12																				No			XXXX		1450								No	6.7	1	1	N/A	87.29	No			Vested Individual	XXXX	XXXX																			0			Vacant
1209038	XXXX		XXXX	XXXX	XXXX	Debt Service Coverage Ratio	Present	No	0	1050	Appraisal - 1007		N/A			1050	Appraisal - 1007	No	86.84	1.152	1.152	911.78																							No					1050								No	0.0	1	1	N/A	6.67	No			Vested Individual	XXXX	XXXX																			0			Vacant

Redaction ID	Loan ID	Seller Loan ID	Investor Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value	Comment
1083862	XXXX		XXXX	XXXX	Cash out Include Debt Paid at Close	closingDetailsNonCompliancePage	XXXX	XXXX	Per Settlement Statement
1083862	XXXX		XXXX	XXXX	Cash Disbursement Date	closingDetailsNonCompliancePage	XXXX	XXXX	Per Settlement Statement
1083863	XXXX		XXXX	XXXX	Cash Disbursement Date	closingDetailsNonCompliancePage	XXXX	XXXX	Per Settlement Statement
1083863	XXXX		XXXX	XXXX	Cash out Include Debt Paid at Close	closingDetailsNonCompliancePage	XXXX	XXXX	Per Settlement Statement
1093028	XXXX		XXXX	XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	per appraisal
1093028	XXXX		XXXX	XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	lender did not include HOA Fees
1093028	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	26.5	65.00	per assets
1093028	XXXX		XXXX	XXXX	Calculated DSCR	diligenceFinalLookPage	1.062	1.12	Due to lender not reducing rents by 20%
1113188	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	02/18/2026	Per credit report
1115705	XXXX		XXXX	XXXX	Property Type	propertyValuationPage	Condominium	Single Family Detached	Per appraisal
1115705	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	6.81	9.00	per assets
1115705	XXXX		XXXX	XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	32.49	15.82	Due to the use of full balance of the XXXX open ended acct as the payment
1118857	XXXX		XXXX	XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	Includes HOA
1118857	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	43.13	51.00	per assets
1122357	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	1.52	-3.00	Per bank statements
1122357	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per bank statements
1127061	XXXX		XXXX	XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	includes HOA and taxes verified higher.
1127213	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	26.38	2.00	Per assets provided.
1127215	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	66997.17	62190.02	Per asset statements
1127215	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	18.21	16.00	Per asset statements
1128607	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	Per Credit Report
1128609	XXXX		XXXX	XXXX	Borrower 1 Qualifying Income	employmentIncomePage	19117.26	19310.36	audit used ownership percentage from operating agreement
1128609	XXXX		XXXX	XXXX	Total Qualifying Income	employmentIncomePage	19117.26	19310.36	Per operating agreement, bank statements
1128609	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	//	Per Credit Report
1128610	XXXX		XXXX	XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	34.69	31.42	Higher debts per Credit Report
1129779	XXXX		XXXX	XXXX	Qualifying FICO	creditLiabilitiesPage	768	771	Per Credit report/Tape Data unknown
1129783	XXXX		XXXX	XXXX	Cash out Include Debt Paid at Close	closingDetailsNonCompliancePage	XXXX	XXXX	Per executed final settlement statement
1129783	XXXX		XXXX	XXXX	Cash Disbursement Date	closingDetailsNonCompliancePage	XXXX	XXXX	Per executed final settlement statement
1129786	XXXX		XXXX	XXXX	Cash Disbursement Date	closingDetailsNonCompliancePage	XXXX	XXXX	Per Final Settlement Statement
1129786	XXXX		XXXX	XXXX	Primary Appraised Property Value	propertyValuationPage	XXXX	XXXX	Higher value is appraised value, lower is purchase price.
1129786	XXXX		XXXX	XXXX	Qualifying Total Housing Expense PITIA	diligenceFinalLookPage	XXXX	XXXX	Taxes verified higher and includes HOA
1129786	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	74.22	83.00	Some funds provided for assets may not be used as reserves.
1129786	XXXX		XXXX	XXXX	Calculated DSCR	diligenceFinalLookPage	1.755	1.77	taxes verified slightly higher
1130226	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	//	Per Credit Report
1130226	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per asset statements
1130226	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	8.73	4.00	Per asset statements
1130228	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	04/22/2026	Per Credit Report
1130228	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	1.72	1.00	used all available assets
1130230	XXXX		XXXX	XXXX	Qualifying LTV	propertyValuationPage	70.83	75.00	2 Full Appraisals - Lower Value used for LTV….Variance = +1.25%
1130230	XXXX		XXXX	XXXX	Primary Appraised Property Value	propertyValuationPage	XXXX	XXXX	2 Full Appraisals - Lower Value used for LTV….Variance = +1.25%
1130230	XXXX		XXXX	XXXX	Total Qualifying Income	employmentIncomePage	212310.38	230002.00	13 months P&L, not 12
1130230	XXXX		XXXX	XXXX	Borrower 1 Qualifying Income	employmentIncomePage	212310.38	230002.00	13 months P&L, not 12
1130230	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	11.88	6.00	Audit verified assets - match w/lenders per 1003
1130230	XXXX		XXXX	XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	42.17	37.30	Audit income lower than lenders
1132029	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	29.31	63.00	Per asset statements
1132029	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per asset statements
1132030	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	16.73	17.00	Per final CD
1132032	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	46.75	47.00	per bank statement
1132032	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	per bank statement
1135553	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	Per Credit Report
1135553	XXXX		XXXX	XXXX	Origination Foreclosure Flag	creditLiabilitiesPage	Yes	No	Foreclosure on fraud report
1135554	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	5.19	1.00	Per asset statement
1136460	XXXX		XXXX	XXXX	Note Date	notePage	XXXX	XXXX	Per Note
1138816	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	Per credit report
1138816	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	1.98	-5.00	Per asset statements
1138820	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	11.09	16.00	Per asset statements
1144534	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	Per credit report
1144534	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	52.92	41.00	Per assets
1144534	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per assets
1144535	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	3.65	-2.00	verified assets
1149985	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per assets
1149985	XXXX		XXXX	XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	43.85	49.68	Audit calculated lower rental loss
1156105	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	98.59	96.00	Per settlement statement
1159811	XXXX		XXXX	XXXX	Borrower 1 Qualifying Income	employmentIncomePage	7359.59	7612.29	Audit calculated lower bank statement income
1159811	XXXX		XXXX	XXXX	Total Qualifying Income	employmentIncomePage	13002.87	13255.57	Audit calculated lower bank statement income
1159811	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	Cb vs Borrower credit date
1159813	XXXX		XXXX	XXXX	Qualifying FICO	creditLiabilitiesPage	681	718	Per CBR
1159813	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	Per credit report
1159813	XXXX		XXXX	XXXX	Originator QM Status	diligenceFinalLookPage	QM: Safe Harbor APOR (APOR SH)	ATR/QM: Exempt	Primary residence
1166843	XXXX		XXXX	XXXX	Property Type	propertyValuationPage	Condotel	Condominium	Per Condo Questionnaire
1166843	XXXX		XXXX	XXXX	Borrower 2 Qualifying Income	employmentIncomePage	13283.13	13381.22	Lower due to bonus income annualized
1166843	XXXX		XXXX	XXXX	Borrower 1 Qualifying Income	employmentIncomePage	26361.61	26221.88	Higher due to SS Gross up w\o documentation needed
1166843	XXXX		XXXX	XXXX	Total Qualifying Income	employmentIncomePage	39644.74	39603.10	Audit calculated lower income for both borrowers
1166843	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	per credit report
1166843	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	32.6	75.00	Per Bank Statements
1166843	XXXX		XXXX	XXXX	Originator QM Status	diligenceFinalLookPage	ATR/QM: Exempt	Non-QM: Lender documented all ATR UW factors	Investment Property
1166844	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	206.15	14.00	Per assets in file.
1166845	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	4.39	-2.00	Per asset documentation in file.
1166849	XXXX		XXXX	XXXX	Borrower 1 FTHB	the1003Page	true	N	Per Final 1003, borrower does not have any property.
1166849	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	6.23	0.00	Per asset statements
1166849	XXXX		XXXX	XXXX	Originator QM Status	diligenceFinalLookPage	QM: Safe Harbor APOR (APOR SH)	ATR/QM: Exempt	Primary residence
1173956	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per Assets provided
1173956	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	58.48	55.00	Per Assets provided
1176875	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	6.06	0.00	Per asset docs in file
1176875	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per asset docs in file
1176879	XXXX		XXXX	XXXX	First Payment Date	notePage	XXXX	XXXX	PER EXECUTED NOTE
1176879	XXXX		XXXX	XXXX	Primary Appraised Property Value	propertyValuationPage	XXXX	XXXX	Per Appraisal. Matches updated 1008
1176879	XXXX		XXXX	XXXX	Qualifying LTV	propertyValuationPage	72.41	75.00	Per Loan amount/Appraisal Value. Matches updated 1008
1176880	XXXX		XXXX	XXXX	Months Since Bankruptcy	creditLiabilitiesPage	116	0	Per credit report
1176880	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	gifts cant be used for reserves
1176880	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	22.56	0.00	Per asset statements
1176880	XXXX		XXXX	XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	46.82	43.47	difference in liabilities
1178807	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per asset documentation.
1178807	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	47.22	47.00	Per settlement statement
1182555	XXXX		XXXX	XXXX	Property Type	propertyValuationPage	PUD	Single Family Detached	Per title and appraisal
1182555	XXXX		XXXX	XXXX	Total Qualifying Income	employmentIncomePage	25124.51	25677.01	Audit calculated lower income
1182555	XXXX		XXXX	XXXX	Borrower 1 Qualifying Income	employmentIncomePage	25124.51	25677.01	due to lender including XXXX transfer deposits in Bank Statement income.
1182555	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per Bank statement balance
1182555	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	37.45	6.00	Due to higher assets used
1182555	XXXX		XXXX	XXXX	Originator QM Status	diligenceFinalLookPage	QM: Safe Harbor APOR (APOR SH)	Non-QM: Lender documented all ATR UW factors	Subject is primary
1184654	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	Per Credit Report
1186692	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	9.44	37.00	Per asset statements
1186692	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per asset statements
1186692	XXXX		XXXX	XXXX	Originator QM Status	diligenceFinalLookPage	QM: Safe Harbor APOR (APOR SH)	ATR/QM: Exempt	Second home
1190906	XXXX		XXXX	XXXX	Total Qualified Assets Available For Reserves	assetPage	XXXX	XXXX	Per asset documentation in file
1190906	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	8.52	3.00	Per asset documentation in file
1199801	XXXX		XXXX	XXXX	Borrower 1 Last Name	notePage	XXXX	XXXX	per note
1199801	XXXX		XXXX	XXXX	B1 Credit Report Date	creditLiabilitiesPage	XXXX	XXXX	Per credit report
1201613	XXXX		XXXX	XXXX	Borrower 1 Qualifying Income	employmentIncomePage	32326.87	32331.45	Due to calc differing in excluded deposit
1201613	XXXX		XXXX	XXXX	Total Qualifying Income	employmentIncomePage	32326.87	32331.45	Due to calc differing in excluded deposit
1201613	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	14.78	41.00	Due to "gift funds" withdrawn from borrower business account, backed out funds.
1203582	XXXX		XXXX	XXXX	Borrower 1 FTHB	the1003Page	false	Y	Per Final 1003
1209038	XXXX		XXXX	XXXX	Qualifying Total Reserves Number of Months	assetPage	6.67	2.00	used all available assets

Redaction ID

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?

Unique Finding ID

1072136

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

1083862

XXXX

Closed

FCRE1151

2026-04-10 13:32

2026-04-22 12:31

Resolved

1 - Information

Credit

Title

Satisfactory Chain of Title not Provided

Resolved-Received proof of Deeds 13 and 14 on Title. - Due Diligence Vendor-04/22/2026
Ready for Review-Document Uploaded. please find the deed to clear. - Seller-04/20/2026
Open-Unsatisfactory Chain of Title provided. The title shows the borrower's name individually with spouse in title. The Schedule B, part II shows the borrower's quit claiming out of the deed in XXXX and XXXX(see items 13 and 14) and was deeded into a trust. It is unknown when the borrower's obtained title and a clear 24 month chain of title is required. - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. please find the deed to clear. - Seller-04/20/2026

Resolved-Received proof of Deeds 13 and 14 on Title. - Due Diligence Vendor-04/22/2026

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8599573

1083862

XXXX

Closed

FCRE1510

2026-04-10 12:32

2026-04-15 17:58

Resolved

1 - Information

Credit

Closing

Issues exist on the Mortgage Document (Deed of Trust)

Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/15/2026

Ready for Review-Document Uploaded. Mortgage with legal provided. Please clear. - Seller-04/14/2026

Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The legal description is not attached to the mortgage. - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. Mortgage with legal provided. Please clear. - Seller-04/14/2026

Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/15/2026

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8597997

1083863

XXXX

Closed

FCRE1151

2026-04-10 15:32

2026-04-24 13:32

Resolved

1 - Information

Credit

Title

Satisfactory Chain of Title not Provided

Resolved-Deed provided confirming the borrower took ownership in XXXX.  His wife was added to title at closing.  No other conveyances noted. - Due Diligence Vendor-04/24/2026
Ready for Review-Document Uploaded.  - Due Diligence Vendor-04/24/2026
Ready for Review-Document Uploaded. See attached. These deeds were NOT USED for vesting purposes.

XXXX (recorded XXXX) does not list a Trustee of The Trust and is not a valid Deed.
XXXX (recorded XXXX) is an attempt to deed out of the Trust that the property is NOT in. Making it also invalid.

which is why these were not included, please clear - Seller-04/22/2026
Counter-Received Warranty Deeds from XXX transfers.  Missing transfers for XXXX and XXXX.  Finding remains.  - Due Diligence Vendor-04/17/2026
Ready for Review-Document Uploaded. please find deeds - Seller-04/16/2026
Open-Unsatisfactory Chain of Title provided. The title shows the borrowers in title. No property Chain of Title was identified in the file. The Schedule B, part II shows the borrower's quit claiming out of the deed in XXXX and XXXX. See items 13 and 14. It is unknown when the borrower's obtained title and a clear 24 month chain of title is required. - Due Diligence Vendor-04/10/2026

Ready for Review-Document Uploaded. See attached. These deeds were NOT USED for vesting purposes.

XXXX (recorded XXXX) does not list a Trustee of The Trust and is not a valid Deed.
XXXX (recorded XXXX) is an attempt to deed out of the Trust that the property is NOT in. Making it also invalid.

which is why these were not included, please clear - Seller-04/22/2026
Ready for Review-Document Uploaded. please find deeds - Seller-04/16/2026

Resolved-Deed provided confirming the borrower took ownership in XXXX. His wife was added to title at closing. No other conveyances noted. - Due Diligence Vendor-04/24/2026

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8603253

1093028

XXXX

Closed

FCOM1227

2026-04-16 14:46

2026-05-06 12:03

Resolved

1 - Information

Credit

Missing Doc

PUD Rider is Missing

Resolved-The PUD Rider was provided. - Due Diligence Vendor-05/06/2026

Ready for Review-Document Uploaded. - Seller-05/06/2026

Ready for Review-Document Uploaded. PUD rider provided, please clear. - Seller-05/06/2026

Open-PUD Rider is Missing PUD rider is required. - Due Diligence Vendor-04/16/2026

Ready for Review-Document Uploaded. - Seller-05/06/2026

Ready for Review-Document Uploaded. PUD rider provided, please clear. - Seller-05/06/2026

Resolved-The PUD Rider was provided. - Due Diligence Vendor-05/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787

LTV is less than guideline maximum - Required is 80 Borrower has 75

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

8713000

1113188

XXXX

Closed

FCRE1440

2026-04-27 16:02

2026-05-12 13:39

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-The borrower lives rent free - property profile and deed showing the primary is owned by two other married individuals. It is a traditional rent free arrangement and not with a spouse. G/L do not call for a rent free letter and lender verified no primary housing history is acceptable if Brw is an experienced investor who currently owns a rental property. Housing history meets guideline requirements.
- Due Diligence Vendor-05/12/2026

Ready for Review-Document Uploaded. The borrower doesn’t live rent free in a marital home, see the uploaded property profile and deed showing the primary is owned by two other married individuals. It is a traditional rent free arrangement and not with a spouse. Please clear or escalate to management to be cleared. - Seller-05/07/2026

Counter-Per GL 18.2.3.1 a borrower who lives in a martial home that is owned by spouse, must document that mortgage is current and a minimum of a 12 month rating. - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. Borrower is not living rent free with spouse. The screen shot is showing that it’s acceptable for an experienced investor borrower to live rent free, and does not ask for a rent free letter.
- Seller-05/01/2026

Counter-Received screen shot of borrower residing rent free with spouse. Please provide 12 mos housing history for spouses home meeting guidelines 18.2.3.1 - Due Diligence Vendor-04/30/2026

Ready for Review-Document Uploaded. Borrower is an experienced investor living rent free, uploaded snips. Please clear - Seller-04/29/2026

Open-Housing History Does Not Meet Guideline Requirements Borrower did not indicate the status of primary residence - rent, own, or live rent free. Unable to verify housing history of primary. - Due Diligence Vendor-04/27/2026

Ready for Review-Document Uploaded. The borrower doesn’t live rent free in a marital home, see the uploaded property profile and deed showing the primary is owned by two other married individuals. It is a traditional rent free arrangement and not with a spouse. Please clear or escalate to management to be cleared. - Seller-05/07/2026

Ready for Review-Document Uploaded. Borrower is not living rent free with spouse. The screen shot is showing that it’s acceptable for an experienced investor borrower to live rent free, and does not ask for a rent free letter.
- Seller-05/01/2026

Ready for Review-Document Uploaded. Borrower is an experienced investor living rent free, uploaded snips. Please clear - Seller-04/29/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744

Long term residence - Long Term Residence = 5+ years

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

8903345

1115705

XXXX

Closed

FCRE1479

2026-06-02 13:29

2026-06-02 13:34

Waived

2 - Non-Material

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Waived-Originator exception granted to allow the use of business account XXXX, not used for income, without CPA opinion letter. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/02/2026
Open-In order to use these funds a letter from tax preparer that use of funds for closing/reserves will not affect the business is required. Excluding assets for lack of having letter results in funds being short. - Due Diligence Vendor-06/02/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.83

Long term residence - Borrower has lived in primary residence for 7 years, 2 months.

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 743

Ratios <43%, long term homeowner, long term employment, and FICO > 10pts above requirement

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Second Home

Purchase

Originator Post-Close

Yes

9510305

1115705

XXXX

Closed

FCRE1480

2026-04-28 15:06

2026-06-02 13:30

Resolved

1 - Information

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Resolved-Dup condition. Lender is only considering XXXX (XXXX) for funds to close/reserves. PCE in file to use funds from XXXX with no CPA letter. The borrower used XXXX (XXXX) for income documentation only. Auditor deleted XXXX from asset screen as funds not considered for closing.  As there is only 1 asset acct now- and this finding references Asset 2- an addtl finding was added/waived referring to the correct asset account. - Due Diligence Vendor-06/02/2026
Counter-Exception provided, however is states the use business funds not used for income, however XXXX was used for qualification. Finding remains. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. uploaded PC exception - Seller-05/26/2026
Counter-Noted funds are from XXXX.  In order to use these funds a letter from tax preparer that use of funds for closing/reserves will not affect the business is required.  Excluding assets for lack of having letter results in funds being short. Finding remains.  - Due Diligence Vendor-05/06/2026
Ready for Review-Document Uploaded.  - Seller-05/05/2026
Ready for Review-Borrower wired the $58,175.39 cash to close from XXXX.

XXXX Balance as of XXXX: $77,333.40

$58,175.39 Cash to close + $16,870.86 6mo Reserves = $75,046.25 total needed

Uploaded Funds to close, settlement statement, & XXXX March bank statement

Please clear or clarify the math being used to calculate - Seller-05/05/2026
Counter-Received statements supporting funds for closing.  Review is considering business funds from XXXX as reserves and will short without.  CPA letter confirming no negative impact to qualifying business or other assets required.   - Due Diligence Vendor-05/01/2026
Ready for Review-Document Uploaded. Uploaded BMO statement, closing funds wire, and snips. The Borrower used XXXX (XXXX) for income. The funds to close came from XXXX (XXXX), and there are enough funds in this account to cover the 6mo reserves of $16,870.86 after the $53,000 wire of closing funds.

XXXX Balance as of 3/31/2024: $77,333.40
$53,000 Cash to close + $16,870.86 Reserves = $69,870.86
- Seller-04/30/2026
Open-Asset Record 2 Does Not Meet G/L Requirements Asset Record 2 is being used as the source of income. Requires a letter from tax preparer that use of funds for closing/reserves will not affect the  business. - Due Diligence Vendor-04/28/2026

Ready for Review-Document Uploaded. uploaded PC exception - Seller-05/26/2026
Ready for Review-Document Uploaded. - Seller-05/05/2026
Ready for Review-Borrower wired the $58,175.39 cash to close from XXXX.

XXXX Balance as of XXXX: $77,333.40

$58,175.39 Cash to close + $16,870.86 6mo Reserves = $75,046.25 total needed

Uploaded Funds to close, settlement statement, & XXXX bank statement

Please clear or clarify the math being used to calculate - Seller-05/05/2026
Ready for Review-Document Uploaded. Uploaded XXXX statement, closing funds wire, and snips. The Borrower used XXXX (XXXX) for income. The funds to close came from XXXX (XXXX), and there are enough funds in this account to cover the 6mo reserves of XXXX after the $53,000 wire of closing funds.

XXXX Balance as of XXXX: $77,333.40
$53,000 Cash to close + $16,870.86 Reserves = $69,870.86
- Seller-04/30/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Second Home

Purchase

N/A

8928410

1115705

XXXX

Closed

FCRE1194

2026-04-28 15:44

2026-04-29 09:54

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-04/29/2026

Open-Audited LTV of 85% exceeds Guideline LTV of 80% Approved LTV exception in file (85%). Comp factors:
Ratios < 43%
Long Term Homeowner
Long Term Employment
Residual Income > $3K
FICO > 10pts above requirement - Due Diligence Vendor-04/28/2026

Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-04/29/2026

Ratios < 43%
Long Term Homeowner
Long Term Employment
Residual Income > $3K
FICO > 10pts above requirement

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Second Home

Purchase

Originator Post-Close

Yes

8929646

1118857

XXXX

Closed

FCRE1491

2026-04-29 09:05

2026-05-18 12:27

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Updated Chase provided and proof of second EMD of $120,000 - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. please find the stattement showing 120k withdrawal with balances of $16144 in XXXX / $$40,422 in XXXX / stocks of $107790 total assets of XXXX and the down payment cleared. please clear. - Seller-05/18/2026
Open-Asset Qualification Does Not Meet Guideline Requirements Per the applicable guidelines funds required to close from stocks and bonds require proof of liquidation. A $120,000 deposit was made by the borrower XXXX but all the assets used in the asset calculation were verified prior to XXXX. XXXX and XXXX.This requires funds from the stocks to be liquidated. Or the $120,000 deposit sourced from another asset source. Additional stipulations may apply. - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. please find the stattement showing 120k withdrawal with balances of $16144 in XXXX / $$40,422 in XXXX/ stocks of $107790 total assets of XXXX and the down payment cleared. please clear. - Seller-05/18/2026

Resolved-Updated Chase provided and proof of second EMD of $120,000 - Due Diligence Vendor-05/18/2026

Months Reserves exceed minimum required - 6 months required - have 15.77 months

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 810

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Primary Residence

Purchase

N/A

8944418

1118857

XXXX

Closed

finding-3540

2026-04-28 12:56

2026-05-12 10:14

Resolved

1 - Information

Compliance

TRID

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Resolved-Received acknowledgement borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. initial CD was XXXX docs were then drawn XXXX so no CD was sent to the borrower other than the final CD for docs. please find screen shot and final CD dated XXXX - Seller-05/11/2026
Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX- Due Diligence Vendor-04/28/2026

Ready for Review-Document Uploaded. initial CD was XXXX docs were then drawn XXXX so no CD was sent to the borrower other than the final CD for docs. please find screen shot and final CD dated XXXX - Seller-05/11/2026

Resolved-Received acknowledgement borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/12/2026

Months Reserves exceed minimum required - 6 months required - have 15.77 months

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 810

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Primary Residence

Purchase

N/A

8924161

1118857

XXXX

Closed

FCRE1330

2026-04-29 08:15

2026-05-12 09:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Paystubs Missing

Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/12/2026

Ready for Review-Document Uploaded. please find the paystubs - Seller-05/11/2026

Open-Borrower 1 Paystubs Missing Per the applicable guidelines a most current paystub is required to verify year-to-date income. No paystub was identified in the file. - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. please find the paystubs - Seller-05/11/2026

Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/12/2026

Months Reserves exceed minimum required - 6 months required - have 15.77 months

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 810

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Primary Residence

Purchase

N/A

8943487

1122357

XXXX

Closed

FCRE8702

2026-04-29 11:54

2026-05-12 10:30

Resolved

1 - Information

Credit

Borrower

Business Entity Formation Document is Incomplete

Resolved-Received EIN number. - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. - Seller-05/11/2026
Counter-Received XXXX however it does not reflect the EIN. Finding remains - Due Diligence Vendor-05/07/2026
Ready for Review-Document Uploaded. upload proof of EIN - Seller-05/06/2026
Open-The Business Entity Formation Document is incomplete . Missing EIN documentation. - Due Diligence Vendor-04/29/2026

Ready for Review-Document Uploaded. - Seller-05/11/2026

Ready for Review-Document Uploaded. upload proof of EIN - Seller-05/06/2026

Resolved-Received EIN number. - Due Diligence Vendor-05/12/2026

LTV is less than guideline maximum - Required is 75 Borrower has 69.48

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 780

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

8950468

1122357

XXXX

Closed

FCRE8887

2026-05-05 09:51

2026-05-05 09:56

Resolved

1 - Information

Credit

Missing Doc

Missing or Incomplete 1003

Resolved-Received complete commercial application. - Due Diligence Vendor-05/05/2026

Open-The Initial 1003 is Missing- the commercial loan application in the file does not have any information circled such as Residency status, If own/Rent present address and declarations - Due Diligence Vendor-05/05/2026

Resolved-Received complete commercial application. - Due Diligence Vendor-05/05/2026

LTV is less than guideline maximum - Required is 75 Borrower has 69.48

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 780

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

9042357

1127061

XXXX

Closed

FCRE0104

2026-05-04 12:57

2026-07-08 17:01

Waived

2 - Non-Material

Credit

Eligibility

Prepayment Penalty is not allowed

Waived-Waiver applied to non-material finding. Loan closed in an Entity Name - Due Diligence Vendor-07/08/2026
Ready for Review-Document Uploaded. This loan was made to a corporation, please remove this exception. - Seller-06/09/2026
Open-Prepayment Penalty is not allowed. Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XX Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. This loan was made to a corporation, please remove this exception. - Seller-06/09/2026

Waived-Waiver applied to non-material finding. Loan closed in an Entity Name - Due Diligence Vendor-07/08/2026

Months Reserves exceed minimum required - 3 months required, subject 82.50 months

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705 680 required, 705 verified.

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

9026737

1127061

XXXX

Closed

FCRE1440

2026-05-04 13:37

2026-05-26 12:02

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Property profile confirming ownership of the borrower's rental property. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded. Primary ownership provided, please clear. - Seller-05/26/2026
Counter-Received Lox from Landlord. Missing property profile to confirm ownership. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. correction, letter from the landlord stating borrower is current for the pass 12 months. - Seller-05/21/2026
Ready for Review-Document Uploaded. Landlord letter provided showing as of XXXX no rent is required from the borrower. This letter covers the missing month to fulfill the 12 month housing history. Please clear. - Seller-05/21/2026
Open-Housing History Does Not Meet Guideline Requirements The rent history is verified through 12 months bank statements showing the XXXX through XXXX payments for $1,300. The subject loan closed XXXX and the XXXX payment was not verified. Please provide evidence that the XXXX mortgage payment was paid as agreed (0x30). Loan not allowed to go 1x30 on mortgage history because the DSCR is below 0.75 per the applicable guides. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. Primary ownership provided, please clear. - Seller-05/26/2026
Ready for Review-Document Uploaded. correction, letter from the landlord stating borrower is current for the pass 12 months. - Seller-05/21/2026
Ready for Review-Document Uploaded. Landlord letter provided showing as of XXXX no rent is required from the borrower. This letter covers the missing month to fulfill the 12 month housing history. Please clear. - Seller-05/21/2026

Resolved-Property profile confirming ownership of the borrower's rental property. - Due Diligence Vendor-05/26/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9027791

1127061

XXXX

Closed

FCRE1232

2026-05-04 13:33

2026-05-15 15:54

Waived

2 - Non-Material

Credit

Eligibility

Calculated DSCR does not meet the Minimum DSCR allowed

Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material due to less than .02% short.
- Due Diligence Vendor-05/15/2026
Ready for Review-Document Uploaded. - Seller-05/14/2026
Open-The Calculated DSCR of '0.748' is less than the minimum DSCR per lender guidelines of '0.75'. The tax certification in file shows the 2025 taxes used were XXXX. The XXXX taxes are paid quarterly with 2 payments being made for XXXX. The XXXX annual tax would be XXXX. When the higher XXXX tax rate is used to calculate the DSCR it decreases from 0.75 to 0.748. The loan was originally calculated with the lower XXXX tax figure. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. - Seller-05/14/2026

Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material due to less than .02% short.
- Due Diligence Vendor-05/15/2026

84 months reserves with required 3 months.
Credit trades paid as agreed > 12+ months
Long time at current residence 10+ years

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

Yes

9027580

1127061

XXXX

Closed

FCRE1200

2026-05-04 13:27

2026-05-15 15:53

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Originator exception granted, waiver applied with comp factors. Deemed non material as less than $20,000 short.
- Due Diligence Vendor-05/15/2026

Ready for Review-Document Uploaded. Credit exception was granted for the loan amount. Please clear. - Seller-05/14/2026

Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $200000 DSCR < .75 Requires minimum loan amount of $200,000 - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. Credit exception was granted for the loan amount. Please clear. - Seller-05/14/2026

Waived-Originator exception granted, waiver applied with comp factors. Deemed non material as less than $20,000 short.
- Due Diligence Vendor-05/15/2026

84 months reserves with required 3 months.
Credit trades paid as agreed > 12+ months
Long time at current residence 10+ years

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

Yes

9027437

1127061

XXXX

Closed

FPRO1255

2026-05-04 12:35

2026-05-06 11:28

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received HOA Questionnaire - Due Diligence Vendor-05/06/2026

Ready for Review-Document Uploaded. HOA questionnaire provided. Please clear. - Seller-05/05/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. The HOA Questionnaire was not identified in the file. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. HOA questionnaire provided. Please clear. - Seller-05/05/2026

Resolved-Received HOA Questionnaire - Due Diligence Vendor-05/06/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9026258

1127066

XXXX

Closed

FCRE1492

2026-05-04 14:36

2026-05-14 12:55

Resolved

1 - Information

Credit

Assets

Cash Out Does Not Meet Guideline Requirements

Resolved-Received confirmation of a 2nd manager approval. - Due Diligence Vendor-05/14/2026
Ready for Review-There is no documentation for the 2nd signature by UW manager, this is an internal review and proceeding with the loan is confirmation of approval.  - Seller-05/13/2026
Counter-LOE regarding loan increase provided, however we are missing a 2nd Signature by UW managers for all LTVs equal to or greater than 80% for a R/T refinance.  Finding remains. - Due Diligence Vendor-05/08/2026
Ready for Review-Document Uploaded. XXXX will give discretion to UW to clear on these, also approved as loan amount increased to cover closing cost. loan was approved to increase to XXXX please clear.  - Seller-05/06/2026
Open-Cash Out Does Not Meet Guideline Requirements Per guidelines a 2nd signature required by UW managers for all LTVs equal to or greater than 80% on a rate/term refinance. Subject is a R/T refi with an 80% LTV.  Approval in file does not indicate that a manager signed off on the transaction. - Due Diligence Vendor-05/04/2026

Ready for Review-There is no documentation for the 2nd signature by UW manager, this is an internal review and proceeding with the loan is confirmation of approval. - Seller-05/13/2026
Ready for Review-Document Uploaded. XXXX will give discretion to UW to clear on these, also approved as loan amount increased to cover closing cost. loan was approved to increase to XXXX please clear. - Seller-05/06/2026

Resolved-Received confirmation of a 2nd manager approval. - Due Diligence Vendor-05/14/2026

Months Reserves exceed minimum required - 12.04 months reserves exceed required 3 by 9.04 months

DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.129 Required is 0.75 Borrower has 1.129

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 734

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

9028944

1127213

XXXX

Closed

finding-47

2026-05-04 11:17

2026-05-19 09:56

Resolved

1 - Information

Compliance

Right to Rescind

TILA Right of Rescission Test

Resolved-Received Scrivener's Affidavit from Notary that notary date on Mortgage was incorrect and is being corrected. Finding Resolved. - Due Diligence Vendor-05/19/2026
Ready for Review-Document Uploaded. Please see uploaded Scrivener's Affidavit. - Seller-05/18/2026
Counter-Notary signed Deed of Trust XXXX making that the closing date.  3 days from XXXX is XXXX, so must not fund until XXXX. Finding Remains. - Due Diligence Vendor-05/06/2026
Ready for Review-Borrower signed docs on XXXX  -  the three days recission expired on midnight of XXXX  -  We funded the loan on XXXX and disburse the same day.  Please cancel condition. - Seller-05/05/2026
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/04/2026

Ready for Review-Document Uploaded. Please see uploaded Scrivener's Affidavit. - Seller-05/18/2026
Ready for Review-Borrower signed docs on XXXX - the three days recission expired on midnight of XXXX - We funded the loan on XXXX and disburse the same day. Please cancel condition. - Seller-05/05/2026

Resolved-Received Scrivener's Affidavit from Notary that notary date on Mortgage was incorrect and is being corrected. Finding Resolved. - Due Diligence Vendor-05/19/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 775

Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.19

LTV is less than guideline maximum - Required is 85 Borrower has 50

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

9023790

1127215

XXXX

Closed

finding-3352

2026-05-04 11:13

2026-07-08 17:13

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-07/08/2026

Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/04/2026

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-07/08/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 794

Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.45

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9023688

1127215

XXXX

Closed

FCRE1506

2026-05-05 12:52

2026-05-18 20:51

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received 3 months of bank statements, the tally of deposits from XXXX total $12,481.02 which is greater than earnings used for qualification. QM status now verified. - Due Diligence Vendor-05/19/2026
Counter-Received 3 months of bank statements, the tally of deposits from XXXX total $12,481.02 which is greater than earnings used for qualification. QM status now verified. - Due Diligence Vendor-05/13/2026
Ready for Review-Document Uploaded. - Seller-05/12/2026
Counter-Per GL 1.7.9, YTD bank statements required, missing Jan. - Due Diligence Vendor-05/08/2026
Ready for Review-Document Uploaded. Attached is 2 consecutive mos bank statements…the tally of all XXXX deposits is support income used to qualify.

- Seller-05/06/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing YTD income for 1099 XXXX program - either consecutive bank statements or YTD paystub - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. - Seller-05/12/2026

Ready for Review-Document Uploaded. Attached is 2 consecutive mos bank statements…the tally of all XXXX deposits is support income used to qualify.

- Seller-05/06/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 794

Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.45

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9047263

1127215

XXXX

Closed

FCRE1491

2026-05-05 12:37

2026-05-08 11:48

Resolved

1 - Information

Credit

Assets

Asset Qualification Does Not Meet Guideline Requirements

Resolved-Received CD from sale of XXXX to validates large deposit - Due Diligence Vendor-05/08/2026
Ready for Review-Document Uploaded. Attached is final SS for XXXX sourcing large deposit of $75,334.22 - Seller-05/06/2026
Open-Asset Qualification Does Not Meet Guideline Requirements Asset 2 - missing source of large deposit - Due Diligence Vendor-05/05/2026

Ready for Review-Document Uploaded. Attached is final SS for XXXX sourcing large deposit of $75,334.22 - Seller-05/06/2026

Resolved-Received CD from sale of XXXX to validates large deposit - Due Diligence Vendor-05/08/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 794

Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.45

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9046785

1128607

XXXX

Closed

FCRE7551

2026-05-07 07:05

2026-05-14 14:00

Resolved

1 - Information

Credit

Missing Doc

Missing Divorce Decree

Resolved-Received child support documents, used worse case scenario for qualifying per settlement - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Please see uploaded child support order. - Seller-05/13/2026

Open-Missing copy of the divorce decree, separation agreement, court order, or equivalent documentation confirming the amount of the obligation for the child support. (required per XXXX). - Due Diligence Vendor-05/07/2026

Ready for Review-Document Uploaded. Please see uploaded child support order. - Seller-05/13/2026

Resolved-Received child support documents, used worse case scenario for qualifying per settlement - Due Diligence Vendor-05/14/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.85

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810

LTV is less than guideline maximum - Required is 90 Borrower has 80

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

9080379

1128609

XXXX

Closed

FCRE7497

2026-05-07 15:57

2026-05-11 16:08

Resolved

1 - Information

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved-Upon further review, the hazard insurance was in file. - Due Diligence Vendor-05/11/2026

Open-Missing verification of hazard insurance premium for REO 3a. Additional findings may apply. - Due Diligence Vendor-05/07/2026

Resolved-Upon further review, the hazard insurance was in file. - Due Diligence Vendor-05/11/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 762

LTV is less than guideline maximum - Required is 90 Borrower has 80

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9092615

1128610

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

1129779

XXXX

Closed

FCRE0068

2026-05-07 09:22

2026-05-12 09:31

Waived

2 - Non-Material

Credit

Closing

Remaining Equity is less than $40,000 which does not meet guideline requirement

Waived-Originator provided a waiver for equity less than 40k , applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Credit exception granted for the low equity, please clear. - Seller-05/11/2026
Open-Remaining equity is less than $40,000 which does not meet guideline requirement. Minimum Equity Requirement $40,000 has NOT been met. No lenders exception report
Loan amount XXXX and value is XXXX difference $36,600 - Due Diligence Vendor-05/07/2026

Ready for Review-Document Uploaded. Credit exception granted for the low equity, please clear. - Seller-05/11/2026

Waived-Originator provided a waiver for equity less than 40k , applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026

Months Reserves exceed minimum required - 111.77 months reserves exceed required 3 by 108.77 months

Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 768 is higher than the required 720 Required is 720 Borrower has 768

768 FICO higher than 720 required for 80% LTV
4 months current and 73 months previous (2018 to 2024) as agreed mortgage payments vs12 months required for program

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

9082991

1129782

XXXX

Closed

FCRE8013

2026-05-06 08:41

2026-05-12 09:09

Resolved

1 - Information

Credit

Eligibility

Purchase Contract Issue

Resolved-Received Purchase Contract confirming 10k to bwr from seller. - Due Diligence Vendor-05/12/2026

Ready for Review-Document Uploaded. please find full PC amendment 3 has seller credits - Seller-05/08/2026

Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. The addendum(s) showing the seller contributions was not identified in the file. There are seller contributions reflected on the settlement statement. - Due Diligence Vendor-05/06/2026

Ready for Review-Document Uploaded. please find full PC amendment 3 has seller credits - Seller-05/08/2026

Resolved-Received Purchase Contract confirming 10k to bwr from seller. - Due Diligence Vendor-05/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 713 Required is 620 Borrower has 713

LTV is less than guideline maximum - Required is 80 Borrower has 50.56 Required is 80 Borrower has 50.56

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

9061383

1129782

XXXX

Closed

FCRE6019

2026-05-06 09:00

2026-05-12 09:06

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Received back of Perm Res Card. - Due Diligence Vendor-05/12/2026

Ready for Review-Document Uploaded. please find the back of card - Seller-05/08/2026

Open-Borrower Citizenship Documentation Is Missing A copy of the back of the Permanent Resident Alien card was not identified in the file. This is required. - Due Diligence Vendor-05/06/2026

Ready for Review-Document Uploaded. please find the back of card - Seller-05/08/2026

Resolved-Received back of Perm Res Card. - Due Diligence Vendor-05/12/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

9061639

1129783

XXXX

Closed

FCRE0068

2026-05-06 13:41

2026-05-13 11:59

Waived

2 - Non-Material

Credit

Closing

Remaining Equity is less than $40,000 which does not meet guideline requirement

Waived-Originator provided a waiver for minimum equity, applied to non material finding with reviewed comp factors - Due Diligence Vendor-05/13/2026

Ready for Review-Document Uploaded. Credit exception was granted for not meeting the minimum equity. Please clear. - Seller-05/11/2026

Open-Remaining equity is less than $40,000 which does not meet guideline requirement. The subject loan has $33,750 in remaining equity. An exception was not identified in the file. However, the conditional approval item 9006 shows MAX LTV 75% DSCR >1 due to credit exception minimum equity. - Due Diligence Vendor-05/06/2026

Ready for Review-Document Uploaded. Credit exception was granted for not meeting the minimum equity. Please clear. - Seller-05/11/2026

Waived-Originator provided a waiver for minimum equity, applied to non material finding with reviewed comp factors - Due Diligence Vendor-05/13/2026

Months Reserves exceed minimum required - Reserves = 91 months – Required Reserves = 3 Months

Credit history exceeds minimum required - Credit History = 148 Months Minimum Credit History = 24 Months

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

9067932

1129786

XXXX

Closed

FCRE0700

2026-05-07 15:19

2026-05-12 09:57

Resolved

1 - Information

Credit

Missing Doc

Closing Detail Statement Document is Missing

Resolved-Received final cd. - Due Diligence Vendor-05/12/2026

Ready for Review-Document Uploaded. please find the FSS - Seller-05/11/2026

Open-Closing Detail Statement Document is Missing and subject property is an Investment property. The settlement statement in the file is estimated. A final settlement statement is required. - Due Diligence Vendor-05/07/2026

Ready for Review-Document Uploaded. please find the FSS - Seller-05/11/2026

Resolved-Received final cd. - Due Diligence Vendor-05/12/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 803

LTV is less than guideline maximum - Required is 75 Borrower has 54.2

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

9091831

1130226

XXXX

Closed

FPRO1255

2026-05-07 15:06

2026-05-14 10:52

Resolved

1 - Information

Credit

Missing Doc - Credit

HOA Questionnaire Document is Missing

Resolved-Received HOA Questionnaire - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Updated 1008 uploaded removing limited review, condo is a condotel, system currently shows it as a condotel. Please advise if an updated data tape is required. - Seller-05/12/2026

Counter-Received HOA Questionnaire supporting Condotel. 1008 reflects type Q limited review warrantable condo and tape reflects Condo rather than Condotel. Please provide clarification on condo type. - Due Diligence Vendor-05/11/2026

Ready for Review-Document Uploaded. HOA docs uploaded - Seller-05/08/2026

Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-05/07/2026

Ready for Review-Document Uploaded. Updated 1008 uploaded removing limited review, condo is a condotel, system currently shows it as a condotel. Please advise if an updated data tape is required. - Seller-05/12/2026

Ready for Review-Document Uploaded. HOA docs uploaded - Seller-05/08/2026

Resolved-Received HOA Questionnaire - Due Diligence Vendor-05/14/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 723

LTV is less than guideline maximum - Required is 85 Borrower has 59.76

Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.77

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Second Home

Purchase

N/A

9091595

1130226

XXXX

Closed

FCRE3464

2026-05-07 16:57

2026-05-11 11:29

Resolved

1 - Information

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-Received VVOE for B1 - Due Diligence Vendor-05/11/2026

Ready for Review-Document Uploaded. VOE uploaded for B1 - Seller-05/08/2026

Open-Borrower 1 closing/final verbal VOE is not dated within 10 days of Note date - Due Diligence Vendor-05/07/2026

Ready for Review-Document Uploaded. VOE uploaded for B1 - Seller-05/08/2026

Resolved-Received VVOE for B1 - Due Diligence Vendor-05/11/2026

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Second Home

Purchase

N/A

9093966

1130226

XXXX

Closed

finding-3367

2026-05-06 14:17

2026-05-11 09:46

Resolved

1 - Information

Compliance

Disclosure

RESPA Homeownership Counseling Organizations Disclosure Date Test

Resolved-Received notification re-application date was XXXX. Finding Resolved. - Due Diligence Vendor-05/11/2026
Ready for Review-Application taken XXXX, docs issued XXXX, Homeownership issued. Initial 1003 LO dated XXXX, borrowers dated XXXX & XXXX - Seller-05/08/2026
Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. ----- Homeownership Counseling List in file is dated XXXX and not provided to borrower within three days of application date of XXXX.
- Due Diligence Vendor-05/06/2026

Ready for Review-Application taken XXXX, docs issued XXXX, Homeownership issued. Initial 1003 LO dated XXXX, borrowers dated XXXX & XXXX - Seller-05/08/2026

Resolved-Received notification re-application date was XXXX. Finding Resolved. - Due Diligence Vendor-05/11/2026

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Second Home

Purchase

N/A

9068763

1130226

XXXX

Closed

finding-3634

2026-05-06 14:17

2026-05-11 09:46

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received notification re-application date was 04/10/2026. Finding Resolved. - Due Diligence Vendor-05/11/2026
Ready for Review-Document Uploaded. Attorney fee & UW included on initial LE, never increased or changed. Appraisal fee lowered, no COC is required for this. Points and fees updated and COC included in original upload for XX CD, reuploaded. - Seller-05/08/2026
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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5,784.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). ------ Zero (0%) tolerance fees increased by $5,784 (Points - Loan Discount Fee, Underwriting Fee, Appraisal Fee, Attorney's Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $5,784, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. [Unable to test properly due to initial LE being issued more than three days past application date of XXXX, additional findings may apply] - Due Diligence Vendor-05/06/2026

Ready for Review-Document Uploaded. Attorney fee & UW included on initial LE, never increased or changed. Appraisal fee lowered, no COC is required for this. Points and fees updated and COC included in original upload for XXXX CD, reuploaded. - Seller-05/08/2026

Resolved-Received notification re-application date was XXXX. Finding Resolved. - Due Diligence Vendor-05/11/2026

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Second Home

Purchase

N/A

9068764

1130226

XXXX

Closed

finding-3635

2026-05-06 14:17

2026-05-11 09:46

Resolved

1 - Information

Compliance

TRID

Charges That In Total Cannot Increase More Than 10% Test

Resolved-Received notification re-application date was XXXX. Finding Resolved. - Due Diligence Vendor-05/11/2026
Ready for Review-SSPL included in original upload, borrower shopped, fees in section C didn't increase over 10%. - Seller-05/08/2026
Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,661.27) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ------ Ten (10%) tolerance fees (Electronic Recording Service Fee, Lender's Title Insurance Policy, Settlement or Closing Fee, Title - Singing Fee, Title - Guaranty, Title - Courier Fee, Title endorsement fee, Title - Wire Fee, Recording Fee) increased by $2661.27 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2661.27, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. [Unable to test fee properly due to initial LE being issued more than three days past application date of XXXX, additional findings may apply] - Due Diligence Vendor-05/06/2026

Ready for Review-SSPL included in original upload, borrower shopped, fees in section C didn't increase over 10%. - Seller-05/08/2026

Resolved-Received notification re-application date was XXXX. Finding Resolved. - Due Diligence Vendor-05/11/2026

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Second Home

Purchase

N/A

9068767

1130226

XXXX

Closed

finding-3515

2026-05-06 14:17

2026-05-11 09:46

Resolved

1 - Information

Compliance

TRID

Initial Loan Estimate Delivery Date Test (from application)

Resolved-Received notification re-application date was XXXX. Finding Resolved. - Due Diligence Vendor-05/11/2026
Ready for Review-Document Uploaded. Loan application taken XXXX, initial docs issued XXXX, initial LE and tracking summary provided in original upload, reuploaded. - Seller-05/08/2026
Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX.
- Due Diligence Vendor-05/06/2026

Ready for Review-Document Uploaded. Loan application taken XXXX, initial docs issued XXXX, initial LE and tracking summary provided in original upload, reuploaded. - Seller-05/08/2026

Resolved-Received notification re-application date was XXXX. Finding Resolved. - Due Diligence Vendor-05/11/2026

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Second Home

Purchase

N/A

9068768

1130226

XXXX

Closed

FCOM1302

2026-05-06 13:06

2026-05-06 13:44

Waived

2 - Non-Material

Compliance

Disclosure

Home Loan Toolkit Not Provided Within 3 Days of Application Date

Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). Originator waiver applied to non-material Findings.
- Due Diligence Vendor-05/06/2026

XXXX

QM: Safe Harbor Verified (V SH)

XXXX

Second Home

Purchase

Originator Post-Close

9067271

1130228

XXXX

Closed

FCRE1198

2026-05-08 13:26

2026-05-14 13:05

Resolved

1 - Information

Credit

Eligibility

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

Resolved-Upon further review, R/T with a LTV < 75% does not require reserves. Audited Reserves of 1.72 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. This is a R/T refinance, suspense condition is referencing for C/O transactions, 0 mos reserves required due to LTV < 75%. Uploaded snips - Seller-05/12/2026

Open-Audited Reserves of 1.72 month(s) are less than Guideline Required Reserves of 6 month(s) Missing 6 months reserves, as required for a refinance within 6 months of purchase - Due Diligence Vendor-05/08/2026

Ready for Review-Document Uploaded. This is a R/T refinance, suspense condition is referencing for C/O transactions, 0 mos reserves required due to LTV < 75%. Uploaded snips - Seller-05/12/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.76

LTV is less than guideline maximum - Required is 85 Borrower has 66.42

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

9110376

1130229

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1130230

XXXX

Closed

FCRE1198

2026-05-11 11:01

2026-06-01 09:05

Resolved

1 - Information

Credit

Eligibility

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

Resolved-The XXXX matrix could be applied to existing pipeline and required 9 months reserves. - Due Diligence Vendor-05/11/2026
Open-Audited Reserves of 11.88 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-05/11/2026

Resolved-The XXXX matrix could be applied to existing pipeline and required 9 months reserves. - Due Diligence Vendor-05/11/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.46

Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 747

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

9129158

1132029

XXXX

Closed

FCRE1317

2026-05-11 08:19

2026-05-12 10:24

Resolved

1 - Information

Credit

Income/Employment

Borrower 1 Total Years Employment Verified is Less Than 24 Months

Resolved-Received VVOE . - Due Diligence Vendor-05/12/2026
Ready for Review-Document Uploaded. Per VOE provided in original file, borrower has been self employed since XXXX, reuploaded VOE. Please clear - Seller-05/11/2026
Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months. A minimum of two (2) years of employment history for both wage/salary or self-employment, is required to be documented, provide documentation to support borrower's previous self employment business. - Due Diligence Vendor-05/11/2026

Ready for Review-Document Uploaded. Per VOE provided in original file, borrower has been self employed since XXXX, reuploaded VOE. Please clear - Seller-05/11/2026

Resolved-Received VVOE . - Due Diligence Vendor-05/12/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29

LTV is less than guideline maximum - Required is 90 Borrower has 80

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9125641

1132030

XXXX

Closed

FCRE1506

2026-05-11 09:58

2026-05-14 14:10

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. See Amended 1003 attached along with Property Detail Report for borrower’s previous primary residenceXXXX, that he owned….this covers complete 2 year housing history. - Seller-05/12/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing housing history - Due Diligence Vendor-05/11/2026

Ready for Review-Document Uploaded. See Amended 1003 attached along with Property Detail Report for borrower’s previous primary residence XXXX, that he owned….this covers complete 2 year housing history. - Seller-05/12/2026

Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/14/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758

Credit history exceeds minimum required - Credit history dates back to 1/3/2006 with zero delinquencies

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9127545

1132030

XXXX

Closed

FCRE1440

2026-05-11 09:46

2026-05-14 13:58

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Amended 1003 attached along with Property Detail Report for borrower’s previous primary residenceXXXX, that he owned….this covers complete 2 year housing history. - Seller-05/12/2026

Open-Housing History Does Not Meet Guideline Requirements Full 12 month history of acceptable housing history not provided. VOR needed for prior address as the VOM shows 8 months of history. - Due Diligence Vendor-05/11/2026

Ready for Review-Document Uploaded. Amended 1003 attached along with Property Detail Report for borrower’s previous primary residence XXXX, that he owned….this covers complete 2 year housing history. - Seller-05/12/2026

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/14/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9127222

1132032

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1133999

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1134001

XXXX

Closed

FCRE6019

2026-05-12 08:35

2026-05-22 10:05

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Received  I797.  Guideline require confirmation of employer, accepted SS card reflecting Auth to work due to loan DSCR only. - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Both approval notices are valid until XXXX. 6 months from note date would be XXXX - Seller-05/21/2026
Counter-Received SS Card and I-797 that expires XXXX. Provide expired EAD card for borrower. Other conditions may apply - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. Upload is the borrower I797A documentation  - Seller-05/19/2026
Counter-Received Appraisal instead of Citizenship documentation. Finding remains - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded.  - Seller-05/13/2026
Open-Borrower Citizenship Documentation Is Missing Missing for B1 - Due Diligence Vendor-05/12/2026

Ready for Review-Document Uploaded. Both approval notices are valid until XXXX. 6 months from note date would be XXXX - Seller-05/21/2026
Ready for Review-Document Uploaded. Upload is the borrower I797A documentation - Seller-05/19/2026
Ready for Review-Document Uploaded. - Seller-05/13/2026

Resolved-Received I797. Guideline require confirmation of employer, accepted SS card reflecting Auth to work due to loan DSCR only. - Due Diligence Vendor-05/22/2026

DSCR % greater than 1.20 - DSCR 1.439

LTV is less than guideline maximum - Required is 75 Borrower has 60

Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 757

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9148868

1134001

XXXX

Closed

FPRO1257

2026-05-12 08:24

2026-05-14 14:36

Resolved

1 - Information

Property

Value

Primary Property Value is not Substantiated

Resolved-Received Appraisal Field Review and it is checked that the market value is accurate - Due Diligence Vendor-05/14/2026

Ready for Review-upload is the appraisal field review - Seller-05/13/2026

Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. No secondary valuation was noted in the file. - Due Diligence Vendor-05/12/2026

Ready for Review-upload is the appraisal field review - Seller-05/13/2026

Resolved-Received Appraisal Field Review and it is checked that the market value is accurate - Due Diligence Vendor-05/14/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9148749

1134003

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1135553

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1135554

XXXX

Closed

FCRE3653

2026-05-12 14:32

2026-06-09 10:01

Resolved

1 - Information

Credit

Missing Doc

Missing letter of explanation

Resolved-Received LOE for NSF. Borrower indicated now keep larger sums of funds in account to prevent in future. - Due Diligence Vendor-06/09/2026

Ready for Review-Document Uploaded. LOE uploaded - Seller-06/05/2026

Open-Missing letter of explanation for NSF occurrences on bank statements - Due Diligence Vendor-05/12/2026

Ready for Review-Document Uploaded. LOE uploaded - Seller-06/05/2026

Resolved-Received LOE for NSF. Borrower indicated now keep larger sums of funds in account to prevent in future. - Due Diligence Vendor-06/09/2026

Qualifying DTI below maximum allowed - Required is 75 Borrower has 35.99

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 654

LTV is less than guideline maximum - Required is 80 Borrower has 74.94

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

9158229

1135555

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Second Home

Purchase

1135557

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1136460

XXXX

Closed

FCRE1440

2026-05-14 09:34

2026-05-26 12:20

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received complete housing history for B2. - Due Diligence Vendor-05/26/2026
Ready for Review-Document Uploaded.  - Seller-05/26/2026
Counter-Received VOR for B2 thru XXXX.  Missing VOM for XXXX owned by B2 - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded.  - Seller-05/21/2026
Counter-Housing payment history for B1 provided.  VOM for B2 is from XXXX.  Please provide a full 12 months primary payment history for B2.  - Due Diligence Vendor-05/15/2026
Ready for Review-Document Uploaded.  - Seller-05/14/2026
Open-Housing History Does Not Meet Guideline Requirements Guidelines require a 12 month housing history.  B1 1003 shows current primary for 3 years. Fraud report shows a loan amount of XXXX. Credit report reflects 2 mortgages with amounts that do not match the loan amount.  Bank statements in loan file reflect payments made to XXXX, but the loan file done not contain verification of the required payment amount.
B2 1003 shows current primary for 1.8 year. Payment history VOM provided is for 7 months. Additional findings may apply.  - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded.  - Seller-05/26/2026

Ready for Review-Document Uploaded.  - Seller-05/21/2026

Ready for Review-Document Uploaded.  - Seller-05/14/2026

Resolved-Received complete housing history for B2. - Due Diligence Vendor-05/26/2026

DSCR % greater than 1.20 - DSCR of 1.275 greater than 1.20

Months Reserves exceed minimum required - 6 months required - have 38.35 months

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

9197905

1136460

XXXX

Closed

FCRE1182

2026-05-14 08:45

2026-05-15 11:27

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Received Approval. - Due Diligence Vendor-05/15/2026

Ready for Review-Document Uploaded. - Seller-05/14/2026

Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. - Seller-05/14/2026

Resolved-Received Approval. - Due Diligence Vendor-05/15/2026

DSCR % greater than 1.20 - DSCR of 1.275 greater than 1.20

Months Reserves exceed minimum required - 6 months required - have 38.35 months

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

9196988

1136460

XXXX

Closed

FCRE1479

2026-05-14 09:20

2026-05-15 11:25

Resolved

1 - Information

Credit

Assets

Asset 1 Does Not Meet Guideline Requirements

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-05/15/2026

Ready for Review-Document Uploaded. - Seller-05/14/2026

Open-Asset Record 1 Does Not Meet G/L Requirements The VOD and bank statements are in the name of a business. Provide evidence of ownership of the business listed on the VOD and bank statements. Additional findings may apply. - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. - Seller-05/14/2026

Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-05/15/2026

DSCR % greater than 1.20 - DSCR of 1.275 greater than 1.20

Months Reserves exceed minimum required - 6 months required - have 38.35 months

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

9197620

1137123

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

1137127

XXXX

Closed

FCRE1506

2026-05-14 10:19

2026-05-28 17:23

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-After further review- The borrower owns a moving company and it is very typical for someone in that line of work to receive payments from customers via XXXX or any other online payment platform. Deposits from alternative payment processing applications are eligible per G/L. - Due Diligence Vendor-05/28/2026

Ready for Review-Document Uploaded. Hello the XXXX payments are not recurring payments it’s only one month reflecting XXXX payments…XXXX payments are typical transactions for a business account. I have uploaded Decemeber's bank statement - Seller-05/26/2026

Counter-Missing all requested items in original finding. Finding remains - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. - Seller-05/19/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide explanation for recurring XXXX payments from multiple persons.
Provide Complete Bank Statement worksheet with deposits included and excluded. - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Hello the XXXX payments are not recurring payments it’s only one month reflecting XXXX payments…XXXX payments are typical transactions for a business account. I have uploaded Decemeber's bank statement - Seller-05/26/2026

Ready for Review-Document Uploaded. - Seller-05/19/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 671

LTV is less than guideline maximum - Required is 75 Borrower has 60.59

Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.67

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9198803

1137127

XXXX

Closed

FCRE7890

2026-05-14 10:21

2026-05-28 17:23

Resolved

1 - Information

Credit

Missing Doc

Missing Required Income Documentation for Bank Statement Program

Resolved-After further review- The borrower owns a XXXX and it is very typical for someone in that line of work to receive payments from customers via XXXX or any other online payment platform. Deposits from alternative payment processing applications are eligible per G/L. - Due Diligence Vendor-05/28/2026
Open-Provide explanation for recurring XXXX payments from multiple persons. - Due Diligence Vendor-05/14/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9198829

1137127

XXXX

Closed

FCRE5782

2026-05-14 08:56

2026-05-22 13:32

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Attached is the UDN - Seller-05/21/2026

Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Attached is the UDN - Seller-05/21/2026

Resolved-Received UDM - Due Diligence Vendor-05/22/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9197127

1137127

XXXX

Closed

FCRE7497

2026-05-14 09:48

2026-05-20 14:01

Resolved

1 - Information

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved-Received HOI for REO 3c, updated Worksheet and LM - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. please see the upl doc - Seller-05/18/2026

Open-Insurance not found for REO property 3c - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. please see the upl doc - Seller-05/18/2026

Resolved-Received HOI for REO 3c, updated Worksheet and LM - Due Diligence Vendor-05/20/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9198206

1137127

XXXX

Closed

finding-3652

2026-05-12 11:34

2026-05-20 08:56

Resolved

1 - Information

Compliance

TRID

Lender Credits That Cannot Decrease Test

Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-05/20/2026
Ready for Review-Upload is the COC showing the decreased in the lender credits - Seller-05/19/2026
Open-This loan failed the lender credits that cannot decrease 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). The final sum of specific and non-specific lender credits ($3,466.56) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,847.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). -----Lender credit decreased from $4,847.00 to $3,466.56 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,380.44, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. Please provide valid COC for decreases. - Due Diligence Vendor-05/12/2026

Ready for Review-Upload is the COC showing the decreased in the lender credits - Seller-05/19/2026

Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-05/20/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9153020

1137128

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Second Home

Refinance

Cash Out - Other

1138816

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

1138817

XXXX

Closed

FPRO1137

2026-05-14 08:47

2026-05-19 15:31

Resolved

1 - Information

Property

Appraisal

The appraiser was not licensed (Primary Value)

Resolved-Received previous license for Appraiser - Due Diligence Vendor-05/19/2026
Ready for Review-Document Uploaded. see uploaded - Appraiser's License beginning XXXX through XXXX - Seller-05/18/2026
Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date License dated XXXX, appraisal dated XXXX - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. see uploaded - Appraiser's License beginning XXXX through XXXX - Seller-05/18/2026

Resolved-Received previous license for Appraiser - Due Diligence Vendor-05/19/2026

Long term residence - Borrower has lived in primary residence for 8 years.

On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9197007

1138818

XXXX

Closed

finding-3352

2026-05-13 11:09

2026-07-08 17:17

Resolved

1 - Information

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-07/08/2026

LTV is less than guideline maximum - Required is 85 Borrower has 80

On time mortgage history exceeds guideline requirement - 0x30x36 (mtg history prior to 8/23) and 0x30x24 (VOR) exceed 1x30x12 per guides

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9175496

1138818

XXXX

Closed

finding-3939

2026-05-13 11:09

2026-05-15 12:11

Resolved

1 - Information

Compliance

ComplianceEase

TRID Rate Lock Disclosure Delivery Date Test

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/15/2026
Ready for Review-this file has a full appraisal and is impounded, please clear condition - Seller-05/14/2026
Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XXXX, XXXX, XXXX and XXXX. -----Disclosure advising borrower of revised interest rate and any interest rate dependent charges was not delivered within three business days after the interest rate was locked. Statute of Limitations - 3 Years, expiration date XXXX.
- Due Diligence Vendor-05/13/2026

Ready for Review-this file has a full appraisal and is impounded, please clear condition - Seller-05/14/2026

Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/15/2026

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9175491

1138819

XXXX

Closed

FCRE1169

2026-05-22 13:04

2026-05-27 16:22

Resolved

1 - Information

Credit

Insurance

Flood Insurance Effective Date is after the Note Date

Resolved-Upon further review, PCCD reflects disbursement date of XXXX and Flood Insurance effective date is acceptable. - Due Diligence Vendor-05/27/2026
Ready for Review-No. In real estate, the effective date of an insurance policy does not strictly have to be the same day as the promissory note date. It must, however, be effective on or before the day the loan funds and you take possession of the property. Because you are in a "dry state" (such as XXXX), your closing process happens in phases. You will likely sign your loan documents and note on one day, and the loan will fund and record a day or two later. This loan funded on XXXX which is the effective date on the flood policy. - Seller-05/26/2026
Open-*** New*** Flood Insurance Effective Date of XXXX is after the Note Date of XXXX and Disbursement date of XXXX. - Due Diligence Vendor-05/22/2026

Ready for Review-No. In real estate, the effective date of an insurance policy does not strictly have to be the same day as the promissory note date. It must, however, be effective on or before the day the loan funds and you take possession of the property. Because you are in a "dry state" (such as XXXX), your closing process happens in phases. You will likely sign your loan documents and note on one day, and the loan will fund and record a day or two later. This loan funded on XXXX which is the effective date on the flood policy. - Seller-05/26/2026

Resolved-Upon further review, PCCD reflects disbursement date of XXXX and Flood Insurance effective date is acceptable. - Due Diligence Vendor-05/27/2026

Qualifying DTI below maximum allowed - Required is 85 Borrower has 49.7

LTV is less than guideline maximum - Required is 80 Borrower has 71.84

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

9351943

1138819

XXXX

Closed

FCRE9569

2026-05-14 10:26

2026-05-22 13:04

Resolved

1 - Information

Credit

Insurance

Subject Property is in a Flood Zone that requires Flood Insurance but Flood Insurance is not Present

Resolved-Received Flood Insurance matching noted premium on CD dated XXXX - Due Diligence Vendor-05/22/2026
Ready for Review-Document Uploaded. Please see uploaded flood policy - Seller-05/20/2026
Open-Subject Property is in Flood Zone A but Flood Insurance is not present. Missing Flood Insurance policy, application only in file. - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Please see uploaded flood policy - Seller-05/20/2026

Resolved-Received Flood Insurance matching noted premium on CD dated XXXX - Due Diligence Vendor-05/22/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

9199065

1138819

XXXX

Closed

FCRE1506

2026-05-14 11:18

2026-05-18 13:50

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received acceptable VOM for 2nd mortgage on subject. - Due Diligence Vendor-05/18/2026

Ready for Review-Please see uploaded VOM for 12 months of mortgage history on 2nd. - Seller-05/15/2026

Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing a 12 month mortgage history for the 2nd mortgage for the subject property. - Due Diligence Vendor-05/14/2026

Ready for Review-Please see uploaded VOM for 12 months of mortgage history on 2nd. - Seller-05/15/2026

Resolved-Received acceptable VOM for 2nd mortgage on subject. - Due Diligence Vendor-05/18/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

9201132

1138819

XXXX

Closed

FCRE1440

2026-05-14 11:06

2026-05-18 13:50

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received acceptable VOM for 2nd mortgage on subject. - Due Diligence Vendor-05/18/2026

Ready for Review-Document Uploaded. Please see uploaded VOM for 12 months of mortgage history on 2nd. - Seller-05/15/2026

Open-Housing History Does Not Meet Guideline Requirements . Missing a 12 month mortgage history for the 2nd mortgage for the subject property. - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. Please see uploaded VOM for 12 months of mortgage history on 2nd. - Seller-05/15/2026

Resolved-Received acceptable VOM for 2nd mortgage on subject. - Due Diligence Vendor-05/18/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

9200207

1138820

XXXX

Closed

FCRE7009

2026-05-14 12:34

2026-05-18 13:43

Resolved

1 - Information

Credit

Insurance

Hazard insurance dwelling coverage is not sufficient

Resolved-Received insurer checklist of coverage confirming sufficient coverage. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. XX files have the Replacement cost here on page 3 thank you please clear - Seller-05/15/2026
Open-Insufficient Coverage Amount for Insured Subject Property. Provide Insurance Policy to support sufficient coverage in the amount of $879,200. - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. XX files have the Replacement cost here on page 3 thank you please clear - Seller-05/15/2026

Resolved-Received insurer checklist of coverage confirming sufficient coverage. - Due Diligence Vendor-05/18/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763

LTV is less than guideline maximum - Required is 90 Borrower has 80

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

9202542

1138820

XXXX

Closed

FCRE1163

2026-05-14 12:34

2026-05-18 13:43

Resolved

1 - Information

Credit

Insurance

Flood Certification Date is greater than Note Date

Resolved-Received initial flood cert. - Due Diligence Vendor-05/18/2026
Ready for Review-Document Uploaded. please see correction FLood Cert thanks :) - Seller-05/15/2026
Open-Flood Certification Date is greater than XXXX Flood certification is dated XXXX - Due Diligence Vendor-05/14/2026

Ready for Review-Document Uploaded. please see correction FLood Cert thanks :) - Seller-05/15/2026

Resolved-Received initial flood cert. - Due Diligence Vendor-05/18/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763

LTV is less than guideline maximum - Required is 90 Borrower has 80

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

9202543

1138820

XXXX

Closed

FCRE1205

2026-05-15 10:33

2026-05-18 13:41

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Received clear OFAC for borrowers business. - Due Diligence Vendor-05/18/2026

Ready for Review-Document Uploaded. please see updated LDP report adding borrowers business thanks ;) - Seller-05/15/2026

Open-OFAC Check Not Completed and/or Cleared for the borrower's business. - Due Diligence Vendor-05/15/2026

Ready for Review-Document Uploaded. please see updated LDP report adding borrowers business thanks ;) - Seller-05/15/2026

Resolved-Received clear OFAC for borrowers business. - Due Diligence Vendor-05/18/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763

LTV is less than guideline maximum - Required is 90 Borrower has 80

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

9219137

1140222

XXXX

Closed

FCRE6019

2026-05-15 11:41

2026-05-22 07:46

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Received Borrower Permanent Resident Alien Card front and back - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. uploaded - Permanent Resident Alien Card front and back - Seller-05/20/2026

Counter-Citizenship documentation- Green Card- is missing photo of the back of card. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. Permanent Resident Card was included with credit file and uploaded again here.. - Seller-05/19/2026

Open-Borrower Citizenship Documentation Is Missing. Citizenship documentation is missing the back of card. - Due Diligence Vendor-05/15/2026

Ready for Review-Document Uploaded. uploaded - Permanent Resident Alien Card front and back - Seller-05/20/2026

Ready for Review-Document Uploaded. Permanent Resident Card was included with credit file and uploaded again here.. - Seller-05/19/2026

Resolved-Received Borrower Permanent Resident Alien Card front and back - Due Diligence Vendor-05/22/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.94

Long term residence - Borrower has resided in the subject property for 4 years.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9221483

1140225

XXXX

Closed

FCRE7497

2026-05-15 17:49

2026-06-01 09:01

Resolved

1 - Information

Credit

Missing Doc

Missing verification of taxes, insurance, and/or HOA fees for non-subject property

Resolved-Received HOA - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. HOA dues uploaded - Seller-05/28/2026
Counter-Received leasehold XXXX per month. Review is unable to determine the HOA dues based on the invoice dated XXXX. Please clarify monthly HOA dues. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. HOA & leasehold uploaded - Seller-05/26/2026
Open-HOA and Leasehold fee for unit XX not found in file. Only the fee for XX was provided, audit used the amount for XX to qualify. - Due Diligence Vendor-05/15/2026

Ready for Review-Document Uploaded. HOA dues uploaded - Seller-05/28/2026

Ready for Review-Document Uploaded. HOA & leasehold uploaded - Seller-05/26/2026

Resolved-Received HOA - Due Diligence Vendor-06/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769

LTV is less than guideline maximum - Required is 75 Borrower has 67.23

Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.04

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9232355

1140225

XXXX

Closed

FCRE0095

2026-05-15 17:49

2026-05-21 14:24

Resolved

1 - Information

Credit

Eligibility

Short Term Rental Income does not meet guidelines

Resolved-STR is not being used. - Due Diligence Vendor-05/21/2026

Ready for Review-Per GL 1.7.7, look back is only required if STR rent is being included in income, no income is being used to offset DTI here. - Seller-05/21/2026

Open-Per appraisal subject is rented nightly. Missing the short term rental look back for 12 months to verify STR income per guides. Lender used a form 1007 with appraiser estimating short term rents. - Due Diligence Vendor-05/15/2026

Ready for Review-Per GL 1.7.7, look back is only required if STR rent is being included in income, no income is being used to offset DTI here. - Seller-05/21/2026

Resolved-STR is not being used. - Due Diligence Vendor-05/21/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9232354

1142034

XXXX

Closed

FCRE1194

2026-05-18 15:45

2026-05-21 11:11

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-05/21/2026

Ready for Review-Document Uploaded. see PC Exception for LTV.. uploaded - Seller-05/19/2026

Open-Audited LTV of 80.77% exceeds Guideline LTV of 75% - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. see PC Exception for LTV.. uploaded - Seller-05/19/2026

Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-05/21/2026

Additional assets not used to qualify - Borrower has additional assets of $2,329,092.

Months Reserves exceed minimum required - 4 months reserves where no months were required.

Long term homeowner, minimal consumer debt.

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

Originator Post-Close

Yes

9260032

1142034

XXXX

Closed

FCRE1440

2026-05-19 13:19

2026-05-20 15:05

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received mortgage history for Subject and Lease w/ payment history for primary. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. See attached Lease and rent payments attached for primary. VOM (Loan Master Report). This is an interest only construction loan, see highlighted payments made by the borrower. These docs were already included with credit file. - Seller-05/20/2026

Open-Housing History Does Not Meet Guideline Requirements Missing verification of mortgage for the subject property supporting payment history with 0x30 in last 12 months.
Missing verification of rent for the primary residence confirming 0x30 in last 12 months. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. See attached Lease and rent payments attached for primary. VOM (Loan Master Report). This is an interest only construction loan, see highlighted payments made by the borrower. These docs were already included with credit file. - Seller-05/20/2026

Resolved-Received mortgage history for Subject and Lease w/ payment history for primary. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/20/2026

Additional assets not used to qualify - Borrower has additional assets of $2,329,092.

Months Reserves exceed minimum required - 4 months reserves where no months were required.

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

9279791

1142034

XXXX

Closed

FCRE1148

2026-05-18 14:52

2026-05-20 14:42

Resolved

1 - Information

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Title Coverage Amount of $735000 is sufficient based on the type of subject lien - Due Diligence Vendor-05/20/2026

Ready for Review-Document Uploaded. see attached - Updated Title Commitment - Seller-05/20/2026

Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. see attached - Updated Title Commitment - Seller-05/20/2026

Resolved-Title Coverage Amount of $735000 is sufficient based on the type of subject lien - Due Diligence Vendor-05/20/2026

Additional assets not used to qualify - Borrower has additional assets of $2,329,092.

Months Reserves exceed minimum required - 4 months reserves where no months were required.

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

N/A

9257867

1142036

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

1144534

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

1144535

XXXX

Closed

FCRE6019

2026-05-19 14:34

2026-05-28 15:15

Resolved

1 - Information

Credit

Missing Doc

Citizenship Documentation Not Provided

Resolved-Received XX Passport. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. please see attached US passport - Seller-05/27/2026
Open-Borrower Citizenship Documentation Is Missing Loan application states that borrower is a XX citizen, however, SS card in file states Valid for Work Only. Need citizenship and country information. - Due Diligence Vendor-05/19/2026

Ready for Review-Document Uploaded. please see attached XX passport - Seller-05/27/2026

Resolved-Received XX Passport. - Due Diligence Vendor-05/28/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703

Long term residence - Borrower has resided in primary property for 5 years.

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

9282189

1144536

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1149985

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

1152592

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1152595

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

1156105

XXXX

Closed

FCRE2244

2026-05-22 12:02

2026-05-28 13:11

Resolved

1 - Information

Credit

Eligibility

Property Does Not Meet Guidelines (credit)

Resolved-Incorrect condition fired- appraisal has issues condition was generated in its place as this is not a property issue. - Due Diligence Vendor-05/28/2026

Ready for Review-Document Uploaded. Uploaded - Appraisal showing Tenant Occupied - Seller-05/28/2026

Open-Property Issues are identified for the property Property does not meet guidelines. Appraiser to indicate that the subject property is tenant occupied, not owner occupied. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Uploaded - Appraisal showing Tenant Occupied - Seller-05/28/2026

Resolved-Incorrect condition fired- appraisal has issues condition was generated in its place as this is not a property issue. - Due Diligence Vendor-05/28/2026

Long term residence - Borrowers have resided in their primary residence for 4 years.

On time mortgage history exceeds guideline requirement - Borrowers have 47 months of on time mortgage history

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9350347

1156105

XXXX

Closed

FCRE0970

2026-05-28 12:57

2026-05-28 13:10

Resolved

1 - Information

Credit

Eligibility

Appraisal has issues (credit)

Resolved-Document Uploaded. Lender provided the corrected/updated appraisal in other condition "Property has issues condition" when in fact this is an appraisal issue. - Due Diligence Vendor-05/28/2026

Open-Appraisal provided reflects the owners occupying the property- - Due Diligence Vendor-05/28/2026

Long term residence - Borrowers have resided in their primary residence for 4 years.

On time mortgage history exceeds guideline requirement - Borrowers have 47 months of on time mortgage history

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9427058

1156105

XXXX

Closed

FCRE1200

2026-05-22 12:53

2026-05-26 13:36

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/22/2026

Long term residence - Borrowers have resided in their primary residence for 4 years.

On time mortgage history exceeds guideline requirement - Borrowers have 47 months of on time mortgage history

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

Originator Post-Close

Yes

9351783

1156106

XXXX

Closed

FCRE4104

2026-05-22 09:29

2026-06-04 14:33

Resolved

1 - Information

Credit

Missing Doc

Missing explanation and supporting documentation for large deposit(s)

Resolved-Received updated Income Wksht, 1003 and 1008. Deposits backed out  - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. Pleas see uploaded revised 1003 & 1008 - Seller-06/03/2026
Counter-Received revised bank statement income analysis.  Please provide corrected final 1008 and 1003 reflecting final qualifying income of $12,469.52 - Due Diligence Vendor-06/02/2026
Ready for Review-Document Uploaded. Please see uploaded ICW, removing all large deposits listed above....DTI still within guideline. - Seller-05/29/2026
Open-Large deposit threshold is 50% of income or $21,496.59.  Large deposits not sourced: XXXX $96,830.75, XXXX $88,010.00, XXXX $85,546.85, XXXX $84,811.45, XXXX $73,300.00. Please provide documentation to source the large deposits used. Additional conditions may apply, pending review. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. Pleas see uploaded revised 1003 & 1008 - Seller-06/03/2026

Ready for Review-Document Uploaded. Please see uploaded ICW, removing all large deposits listed above....DTI still within guideline. - Seller-05/29/2026

Resolved-Received updated Income Wksht, 1003 and 1008. Deposits backed out - Due Diligence Vendor-06/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 648

Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.55

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9345788

1156106

XXXX

Closed

FCRE1506

2026-05-22 09:34

2026-06-02 14:32

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Received revised income calc removing large deposits. - Due Diligence Vendor-06/02/2026
Ready for Review-Please see uploaded ICW, removing all large deposits listed above....DTI still within guideline. - Seller-05/29/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Large deposit threshold is 50% of income or $21,496.59. Large deposits not sourced: XXXX $96,830.75, XXXX $88,010.00, XXXX $85,546.85, XXXX $84,811.45, XXXX $73,300.00 - Due Diligence Vendor-05/22/2026

Ready for Review-Please see uploaded ICW, removing all large deposits listed above....DTI still within guideline. - Seller-05/29/2026

Resolved-Received revised income calc removing large deposits. - Due Diligence Vendor-06/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 648

Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.55

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9345906

1159811

XXXX

Closed

finding-3540

2026-05-22 12:29

2026-06-03 13:26

Resolved

1 - Information

Compliance

TRID

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Resolved-Received signed copy of XXXX CD. Finding Resolved. - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. see uploaded CD with Proof of Delivery - Seller-06/02/2026
Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. CD XXXX, XXXX and XXXX are not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-05/22/2026

Ready for Review-Document Uploaded. see uploaded CD with Proof of Delivery - Seller-06/02/2026

Resolved-Received signed copy of XXXX CD. Finding Resolved. - Due Diligence Vendor-06/03/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.72

LTV is less than guideline maximum - Required is 80 Borrower has 58.24

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 706

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9351005

1159811

XXXX

Closed

FCRE5783

2026-05-27 08:15

2026-06-02 15:14

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Received UDM - Due Diligence Vendor-06/02/2026

Ready for Review-Document Uploaded. - Seller-06/01/2026

Open-Borrower 2 Gap Credit Report is Missing Missing a gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or ny time after closing. - Due Diligence Vendor-05/28/2026

Ready for Review-Document Uploaded. - Seller-06/01/2026

Resolved-Received UDM - Due Diligence Vendor-06/02/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9394083

1159813

XXXX

Closed

FCRE1506

2026-05-26 14:58

2026-07-08 17:01

Resolved

1 - Information

Credit

QM-ATR

Invalid Final QM Status - ATR/QM: Status Pending

Resolved-Compliance documentation received - Due Diligence Vendor-05/28/2026
Ready for Review-we do not send out a Business purpose form on TRID XXXX investments, this form only goes out on XXXX. - Seller-05/27/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-05/26/2026

Ready for Review-we do not send out a Business purpose form on TRID XXXX investments, this form only goes out on XXXX. - Seller-05/27/2026

Resolved-Compliance documentation received - Due Diligence Vendor-05/28/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23

Months Reserves exceed minimum required - 49 months reserves exceeds 3 months required.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9379452

1159813

XXXX

Closed

FPRO1242

2026-05-26 12:58

2026-06-16 09:42

Resolved

1 - Information

Property

Missing Doc

Appraisal is Missing

Resolved-Received Appraisal and Completion Report. - Due Diligence Vendor-06/16/2026
Ready for Review-hi its there on page 26/29 of the appraisal file includes the 1004d :) "XXXX" pages 29 - Seller-06/12/2026
Counter-Received Appraisal. Appraisal corrected comp1 to reflect sale date of XXXX.  Appraisal now Subject to. Lender to provide update.  - Due Diligence Vendor-06/11/2026
Ready for Review-Document Uploaded.
hello Revised appraisal attached with corrected comp #1 sale date
- Seller-06/10/2026
Counter-Review did not receive the uploads.  Please re upload corrected appraisal. - Due Diligence Vendor-06/10/2026
Ready for Review-Revised appraisal attached with corrected comp #1 sale date - Seller-06/09/2026
Counter-Received updated SSR.  Pending receipt of corrected appraisal.   - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. Correct SSR attached. Working on getting comp #1 corrected on the appraisal.  - Seller-06/02/2026
Counter-Received appraisal and SSR.  Missing the following:  (1) Appraiser to clarify date of sale of Comp 1 as noted as 6/2019.  Online review reflects more recent sale dates.  (2)  SSR received reflects a Subject To reconciliation-appraisal received reflects as it.  Please clarify and confirm version vs SSRs.  Additional conditions may apply - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. please see attached for our appraisal sorry did not save on my end :) - Seller-05/27/2026
Open-Appraisal is Missing. Additional findings may apply. - Due Diligence Vendor-05/26/2026

Ready for Review-hi its there on page 26/29 of the appraisal file includes the 1004d :) "XXXX" pages 29 - Seller-06/12/2026
Ready for Review-Document Uploaded.
hello Revised appraisal attached with corrected comp #1 sale date
- Seller-06/10/2026
Ready for Review-Revised appraisal attached with corrected comp #1 sale date - Seller-06/09/2026
Ready for Review-Document Uploaded. Correct SSR attached. Working on getting comp #1 corrected on the appraisal. - Seller-06/02/2026
Ready for Review-Document Uploaded. please see attached for our appraisal sorry did not save on my end :) - Seller-05/27/2026

Resolved-Received Appraisal and Completion Report. - Due Diligence Vendor-06/16/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23

Months Reserves exceed minimum required - 49 months reserves exceeds 3 months required.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9375871

1159813

XXXX

Closed

FCRE1325

2026-05-26 13:43

2026-06-03 13:59

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Received Sos and confirmation of ownership. - Due Diligence Vendor-06/03/2026
Ready for Review-Document Uploaded. It shows the business is an “ Assumed Name (DBA)” entity with XXXX being the Principal.

This means it’s XXXX’s sole proprietorship, and the business name of “XXXX” is an alias or DBA for XXXX.
- Seller-06/01/2026
Open-Borrower 1 CPA Letter Missing Missing CPA letter or other documentation to show that the borrowers have 100% ownership in their business - Due Diligence Vendor-05/26/2026

Ready for Review-Document Uploaded. It shows the business is an “ Assumed Name (DBA)” entity with XXXX being the Principal.

This means it’s XXXX sole proprietorship, and the business name of “XXXX” is an alias or DBA for XXXX.
- Seller-06/01/2026

Resolved-Received Sos and confirmation of ownership. - Due Diligence Vendor-06/03/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23

Months Reserves exceed minimum required - 49 months reserves exceeds 3 months required.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9377053

1159813

XXXX

Closed

FCOM0013

2026-05-22 10:22

2026-05-27 14:37

Resolved

1 - Information

Compliance

Disclosure

Missing e-Consent

Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/27/2026

Ready for Review-UPLOAD ECONSENT WITH DISCLOURE TRACKING SUMMARY - Seller-05/27/2026

Open-Missing e-Consent. -----eConsent is missing from loan file. Please provide. - Due Diligence Vendor-05/22/2026

Ready for Review-UPLOAD ECONSENT WITH DISCLOURE TRACKING SUMMARY - Seller-05/27/2026

Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/27/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23

Months Reserves exceed minimum required - 49 months reserves exceeds 3 months required.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9347110

1159813

XXXX

Closed

FCOM0014

2026-05-27 09:45

2026-05-27 14:37

Resolved

1 - Information

Compliance

Closing

Missing evidence of appraisal being received 3 or more days prior to closing was not met

Resolved-Received notification of value sent XXXX. Finding Resolved. - Due Diligence Vendor-05/27/2026
Ready for Review-Document Uploaded. attached appraisal - Seller-05/27/2026
Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. attached appraisal - Seller-05/27/2026

Resolved-Received notification of value sent XXXX. Finding Resolved. - Due Diligence Vendor-05/27/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.23

Months Reserves exceed minimum required - 49 months reserves exceeds 3 months required.

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9395812

1159814

XXXX

Closed

FCOM0014

2026-05-27 08:37

2026-05-28 09:52

Resolved

1 - Information

Compliance

Closing

Missing evidence of appraisal being received 3 or more days prior to closing was not met

Resolved-Received notification of value sent XXXX. Finding Resolved. - Due Diligence Vendor-05/28/2026
Ready for Review-Document Uploaded. This was included in the Appraisal report package. (Page 3) - Seller-05/27/2026
Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. This was included in the Appraisal report package. (Page 3) - Seller-05/27/2026

Resolved-Received notification of value sent XXXX. Finding Resolved. - Due Diligence Vendor-05/28/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.31

LTV is less than guideline maximum - Required is 80 Borrower has 74.36

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

N/A

9394371

1166842

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

1166843

XXXX

Closed

FCRE5782

2026-05-27 11:35

2026-06-02 14:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received UDM for both borrowers. - Due Diligence Vendor-06/02/2026

Ready for Review-Document Uploaded. UDN uploaded - Seller-05/29/2026

Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-05/28/2026

Ready for Review-Document Uploaded. UDN uploaded - Seller-05/29/2026

Resolved-Received UDM for both borrowers. - Due Diligence Vendor-06/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 719

Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.22

LTV is less than guideline maximum - Required is 80 Borrower has 75

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

9399120

1166844

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

1166845

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

1166849

XXXX

Closed

FCOM1302

2026-05-26 10:31

Waived

2 - Non-Material

Compliance

Disclosure

Home Loan Toolkit Not Provided Within 3 Days of Application Date

Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/26/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.52

LTV is less than guideline maximum - Required is 85 Borrower has 80

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

Originator Post-Close

9370935

1166850

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

1173954

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

1173956

XXXX

Closed

FPRO0025

2026-05-29 16:52

2026-06-05 15:13

Resolved

1 - Information

Property

Property Issue

Smoke Detector/Carbon Monoxide detector has issues

Resolved-After further review- pictures showing smoke and carbon monoxide detectors were provided along with a Brw attestation. Addtl commentary from appraiser not required. - Due Diligence Vendor-06/05/2026

Counter-Received photos from appraisal. Please have appraiser confirm as noted on page 4 of URAR SMOKE AND CARBON MONOXIDE DETECTORS WERE NOT OBSERVED DURING THE INSPECTION. - Due Diligence Vendor-06/02/2026

Ready for Review-Document Uploaded. please note there were pictures showing smoke and Carbone monoxide with appraisal pkg upload on pages 50-54. i have re-attached - Seller-06/01/2026

Open-Smoke and Carbon Monoxide detectors were not observed during the inspection per appraiser. - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. please note there were pictures showing smoke and Carbone monoxide with appraisal pkg upload on pages 50-54. i have re-attached - Seller-06/01/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745

LTV is less than guideline maximum - Required is 85 Borrower has 80

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

9461284

1173956

XXXX

Closed

FCRE0180

2026-05-29 13:21

2026-06-02 15:18

Resolved

1 - Information

Credit

Eligibility

State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document

Resolved-Upon further review, security instrument notarized in XX and no witness required. - Due Diligence Vendor-06/02/2026
Ready for Review-please note this was notarized out of state (XXXX) no witnesses required only the notary. - Seller-06/01/2026
Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. State requires 2 witness signatures & there is only 1 which is the notary. - Due Diligence Vendor-05/29/2026

Ready for Review-please note this was notarized out of state (XXXX) no witnesses required only the notary. - Seller-06/01/2026

Resolved-Upon further review, security instrument notarized in XX and no witness required. - Due Diligence Vendor-06/02/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745

LTV is less than guideline maximum - Required is 85 Borrower has 80

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

N/A

9455824

1176874

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Refinance

Cash Out - Other

1176875

XXXX

Closed

finding-3630

2026-05-29 12:28

2026-06-04 10:06

Resolved

1 - Information

Compliance

TRID

TRID "Section H. Other" Validation Test

Resolved-Received PCCD XXXX, correcting Principal Reduction from Section H to Payoff's and Payments section. Finding Resolved. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. see uploaded PCCD - Seller-06/03/2026
Open-This loan failed the TRID "Section H. Other" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker, but this fee or fees should not be retained by the lender or broker. Except for charges for optional credit insurance provided by the creditor, this fee or fees should not be retained by the lender."Section H. Other" should contain an itemization of any other amounts in connection with the transaction that the consumer is likely to pay or has contracted with a person other than the creditor or loan originator to pay at closing and of which the creditor is aware at the time of issuing the Loan Estimate.Per the Official Interpretations to Regulation Z: The items listed under the heading of "Other Costs" pursuant to §1026.37(g) include services that are ancillary to the creditor's decision to evaluate the collateral and the consumer for the loan. The amounts disclosed for these items are: Established by government action; determined by standard calculations applied to ongoing fixed costs; or based on an obligation incurred by the consumer independently of any requirement imposed by the creditor. Except for prepaid interest under §1026.37(g)(2)(iii), or charges for optional credit insurance provided by the creditor, the creditor does not retain any of the amounts or portions of the amounts disclosed as other costs. ----- Principle Reduction in Section H is improperly disclosed. Please provide PCCD with Principle Reduction from Section H removed. - Due Diligence Vendor-05/29/2026

Ready for Review-Document Uploaded. see uploaded PCCD - Seller-06/03/2026

Resolved-Received PCCD XXXX, correcting Principal Reduction from Section H to Payoff's and Payments section. Finding Resolved. - Due Diligence Vendor-06/04/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 735

LTV is less than guideline maximum - Required is 80 Borrower has 75

Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.36

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

N/A

9454557

1176879

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1176880

XXXX

Closed

FCRE0044

2026-06-01 11:26

2026-06-04 14:24

Resolved

1 - Information

Credit

Eligibility

File does not contain LOX for credit inquiries

Resolved-Received LOX for credit inquiries, no new debt acquired - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. Uploaded LOE - Seller-06/03/2026

Open-LOX for credit inquiries is missing. - Due Diligence Vendor-06/01/2026

Ready for Review-Document Uploaded. Uploaded LOE - Seller-06/03/2026

Resolved-Received LOX for credit inquiries, no new debt acquired - Due Diligence Vendor-06/04/2026

Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income is $6,648

LTV is less than guideline maximum - Required is 90 Borrower has 80

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

9480161

1178807

XXXX

Closed

FCRE1440

2026-06-01 13:43

2026-06-12 09:55

Resolved

1 - Information

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Received LOX from XXXX indicating no lates along with a statement. Housing History Meets Guideline Requirements - Due Diligence Vendor-06/12/2026
Ready for Review-Document Uploaded. Uploaded VOM for the primary residence from XXXX, along with loe from VP of bank confirming no late payments. - Seller-06/11/2026
Counter-Received primary residence VOM/credit supplement confirming 12 months paid as agreed. Missing VOM for XXXX mtg on subject opened XXXX. - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. uploaded VOM docs - Seller-06/02/2026
Open-Housing History Does Not Meet Guideline Requirements. Missing VOM for the primary and the subject . - Due Diligence Vendor-06/01/2026

Ready for Review-Document Uploaded. Uploaded VOM for the primary residence from XXXX, along with loe from VP of bank confirming no late payments. - Seller-06/11/2026
Ready for Review-Document Uploaded. uploaded VOM docs - Seller-06/02/2026

Resolved-Received LOX from XXXX indicating no lates along with a statement. Housing History Meets Guideline Requirements - Due Diligence Vendor-06/12/2026

Months Reserves exceed minimum required - 47 mos verified?3 mos required

On time mortgage history exceeds guideline requirement - 0x30x12

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9484062

1178807

XXXX

Closed

FCRE8702

2026-06-01 12:52

2026-06-04 11:57

Resolved

1 - Information

Credit

Borrower

Business Entity Formation Document is Incomplete

Resolved-Received Good Standing and EIN - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. uploaded COGS & EIN - Seller-06/04/2026
Open-The Business Entity Formation Document is incomplete. Subject loan is a layered entity- Missing the XXXX EIN and Certificate of Good Standing documentation. - Due Diligence Vendor-06/01/2026

Ready for Review-Document Uploaded. uploaded COGS & EIN - Seller-06/04/2026

Resolved-Received Good Standing and EIN - Due Diligence Vendor-06/04/2026

Months Reserves exceed minimum required - 47 mos verified?3 mos required

On time mortgage history exceeds guideline requirement - 0x30x12

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9483066

1178807

XXXX

Closed

FCRE0700

2026-06-04 11:46

2026-06-04 11:55

Resolved

1 - Information

Credit

Missing Doc

Closing Detail Statement Document is Missing

Resolved-Received final settlement statement - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. uploaded FSS - Seller-06/04/2026

Open-*NEW* Closing Detail Statement Document is Missing and subject property is an Investment property. Please provide Final Settlement Statement (only estimate received) - Due Diligence Vendor-06/04/2026

Ready for Review-Document Uploaded. uploaded FSS - Seller-06/04/2026

Resolved-Received final settlement statement - Due Diligence Vendor-06/04/2026

Months Reserves exceed minimum required - 47 mos verified?3 mos required

On time mortgage history exceeds guideline requirement - 0x30x12

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9557469

1182555

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

1184654

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1186692

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Second Home

Purchase

1188451

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

1190906

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

1192802

XXXX

Closed

FCRE5782

2026-06-11 07:00

2026-06-16 10:31

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Received Undisclosed Monitoring report dated XXXX - Due Diligence Vendor-06/16/2026
Ready for Review-Document Uploaded. uploaded UDN - Seller-06/15/2026
Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. Additional findings may apply. - Due Diligence Vendor-06/11/2026

Ready for Review-Document Uploaded. uploaded UDN - Seller-06/15/2026

Resolved-Received Undisclosed Monitoring report dated XXXX - Due Diligence Vendor-06/16/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 714

LTV is less than guideline maximum - Required is 90 Borrower has 70

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9682024

1192802

XXXX

Closed

finding-3634

2026-06-10 12:36

2026-06-11 14:47

Resolved

1 - Information

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Received COC's for increase in fees. Finding Resolved. - Due Diligence Vendor-06/11/2026
Ready for Review-Document Uploaded. COC's were already included in loan submission. Reuploaded - Seller-06/11/2026
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).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $292.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An 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). ----- Zero (0%) tolerance fees increased by $292.50 (Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $292.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-06/10/2026

Ready for Review-Document Uploaded. COC's were already included in loan submission. Reuploaded - Seller-06/11/2026

Resolved-Received COC's for increase in fees. Finding Resolved. - Due Diligence Vendor-06/11/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 714

LTV is less than guideline maximum - Required is 90 Borrower has 70

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9660778

1195497

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1199801

XXXX

Closed

finding-3532

2026-06-15 09:29

2026-06-17 14:03

Resolved

1 - Information

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Received Document tracking for borrower receipt. Finding Resolved. - Due Diligence Vendor-06/17/2026
Ready for Review-Document Uploaded. Uploaded disclosure tracking showing sent XXXX and received XXXX - Seller-06/17/2026
Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-06/15/2026

Ready for Review-Document Uploaded. Uploaded disclosure tracking showing sent XXXX and received XXXX - Seller-06/17/2026

Resolved-Received Document tracking for borrower receipt. Finding Resolved. - Due Diligence Vendor-06/17/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.79

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

N/A

9743407

1201606

XXXX

Closed

FPRO1257

2026-06-16 14:49

2026-06-24 16:40

Resolved

1 - Information

Property

Value

Primary Property Value is not Substantiated

Resolved-Received CDA which supports appraised value - Due Diligence Vendor-06/19/2026
Ready for Review-Document Uploaded. CDA uploaded - Seller-06/17/2026
Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU is greater than 2.5, Lender to provide an additional valuation to support the appraised value XXXX. Additional conditions may apply. - Due Diligence Vendor-06/16/2026

Ready for Review-Document Uploaded. CDA uploaded - Seller-06/17/2026

Resolved-Received CDA which supports appraised value - Due Diligence Vendor-06/19/2026

Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 758

On time mortgage history exceeds guideline requirement - Borrower has 0x30x62 months mortgage history, guides allow up to 1x30x12 months

Months Reserves exceed minimum required - 9 months cashout reserves exceeds minimum of 3 per guides

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9773939

1201606

XXXX

Closed

FCRE1159

2026-06-16 14:55

2026-06-19 12:47

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Loan did not disburse until XXXX, HOI policy is effective on XXXX - Due Diligence Vendor-06/19/2026
Ready for Review-Document Uploaded. Final SS uploaded to show disbursement date of XXXX. After HOI effective date - Seller-06/17/2026
Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard insurance was not in effect at the time the loan closed. - Due Diligence Vendor-06/16/2026

Ready for Review-Document Uploaded. Final SS uploaded to show disbursement date of XXXX. After HOI effective date - Seller-06/17/2026

Resolved-Loan did not disburse until XXXX, HOI policy is effective on XXXX - Due Diligence Vendor-06/19/2026

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

N/A

9774113

1201607

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Refinance

Cash Out - Other

1201608

XXXX

Closed

FPRO0010

2026-06-16 16:00

2026-06-19 14:58

Resolved

1 - Information

Property

Value

AVM Confidence Score is under 90%

Resolved-AVM provided with a low confidence score. Guidelines allow AVM from XXXX to have a minimum AVM score of 87. May result in pricing adjustment. - Due Diligence Vendor-06/17/2026
Open-The confidence score does not meet guides, and a desk review is required. Secondary valuation product provided - Due Diligence Vendor-06/16/2026

Resolved-AVM provided with a low confidence score. Guidelines allow AVM from XXXX to have a minimum AVM score of 87. May result in pricing adjustment. - Due Diligence Vendor-06/17/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.25

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

9775286

1201608

XXXX

Closed

FCRE1161

2026-06-16 16:06

2026-06-18 09:33

Resolved

1 - Information

Credit

Missing Doc

Flood Certificate Missing

Resolved-Received Flood Certificate is fully present - Due Diligence Vendor-06/18/2026

Ready for Review-Document Uploaded. Please see flood cert. - Seller-06/17/2026

Open-Missing Flood Certificate Lender to provide a copy of the flood cert. Additional conditions may apply pending review. - Due Diligence Vendor-06/17/2026

Ready for Review-Document Uploaded. Please see flood cert. - Seller-06/17/2026

Resolved-Received Flood Certificate is fully present - Due Diligence Vendor-06/18/2026

Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.25

Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738

XXXX

QM: Safe Harbor APOR (APOR SH)

XXXX

Primary Residence

Purchase

N/A

9775377

1201611

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1201613

XXXX

Non-QM: Lender documented all ATR UW factors

XXXX

Primary Residence

Purchase

1203582

XXXX

ATR/QM: Exempt

XXXX

Investment

Refinance

Cash Out - Other

1209038

XXXX

ATR/QM: Exempt

XXXX

Investment

Purchase

Redaction ID

Loan ID

Seller Loan ID

Investor Loan ID

Original Loan Amount

Initial Credit Loan Grades DBRS

Initial Credit Loan Grades Fitch

Initial Credit Loan Grades Kroll

Initial Credit Loan Grades Moody's

Initial Credit Loan Grades S&P

Initial Compliance Loan Grades DBRS

Initial Compliance Loan Grades Fitch

Initial Compliance Loan Grades Kroll

Initial Compliance Loan Grades Moody's

Initial Compliance Loan Grades S&P

Initial Property Loan Grades DBRS

Initial Property Loan Grades Fitch

Initial Property Loan Grades Kroll

Initial Property Loan Grades Moody's

Initial Property Loan Grades S&P

Initial Overall Loan Grades DBRS

Initial Overall Loan Grades Fitch

Initial Overall Loan Grades Kroll

Initial Overall Loan Grades Moody's

Initial Overall Loan Grades S&P

Final Credit Loan Grades DBRS

Final Credit Loan Grades Fitch

Final Credit Loan Grades Kroll

Final Credit Loan Grades Moody's

Final Credit Loan Grades S&P

Final Compliance Loan Grades DBRS

Final Compliance Loan Grades Fitch

Final Compliance Loan Grades Kroll

Final Compliance Loan Grades Moody's

Final Compliance Loan Grades S&P

Final Property Loan Grades DBRS

Final Property Loan Grades Fitch

Final Property Loan Grades Kroll

Final Property Loan Grades Moody's

Final Property Loan Grades S&P

Final Overall Loan Grades DBRS

Final Overall Loan Grades Fitch

Final Overall Loan Grades Kroll

Final Overall Loan Grades Moody's

Final Overall Loan Grades S&P

1072136

XXXX

1083862

XXXX

1083863

XXXX

1093028

XXXX

1113188

XXXX

1115705

XXXX

1118857

XXXX

1122357

XXXX

1127061

XXXX

1127066

XXXX

1127213

XXXX

1127215

XXXX

1128607

XXXX

1128609

XXXX

1128610

XXXX

1129779

XXXX

1129782

XXXX

1129783

XXXX

1129786

XXXX

1130226

XXXX

1130228

XXXX

1130229

XXXX

1130230

XXXX

1132029

XXXX

1132030

XXXX

1132032

XXXX

1133999

XXXX

1134001

XXXX

1134003

XXXX

1135553

XXXX

1135554

XXXX

1135555

XXXX

1135557

XXXX

1136460

XXXX

1137123

XXXX

1137127

XXXX

1137128

XXXX

1138816

XXXX

1138817

XXXX

1138818

XXXX

1138819

XXXX

1138820

XXXX

1140222

XXXX

1140225

XXXX

1142034

XXXX

1142036

XXXX

1144534

XXXX

1144535

XXXX

1144536

XXXX

1149985

XXXX

1152592

XXXX

1152595

XXXX

1156105

XXXX

1156106

XXXX

1159811

XXXX

1159813

XXXX

1159814

XXXX

1166842

XXXX

1166843

XXXX

1166844

XXXX

1166845

XXXX

1166849

XXXX

1166850

XXXX

1173954

XXXX

1173956

XXXX

1176874

XXXX

1176875

XXXX

1176879

XXXX

1176880

XXXX

1178807

XXXX

1182555

XXXX

1184654

XXXX

1186692

XXXX

1188451

XXXX

1190906

XXXX

1192802

XXXX

1195497

XXXX

1199801

XXXX

1201606

XXXX

1201607

XXXX

1201608

XXXX

1201611

XXXX

1201613

XXXX

1203582

XXXX

1209038

XXXX

Redaction ID

Loan ID

Seller Loan ID

Investor Loan ID

Loan Program

Guideline Product Name

Originator Name

Originating Entity CDFI Flag

Guideline Name

Guideline Author

Guideline Date

Guideline Version

Application Date

TILA Status

TRID

GSE

Verified Safe Harbor Flag

Verified Safe Harbor Reference Document

QM Regulation Failures

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

AUS Decision System

Rating Result

Property Inspection Waiver (PIW)

Calculated APR

HUD 1 Page 1 Credits Total

Verified Qualifying Rate

Originator Qualifying Rate

Qualifying P&I

Default Interest Rate Present

Default Interest Rate

Annual Property Tax

Monthly Property Tax

Annual Insurance Costs

Monthly Insurance Cost

Annual HOA Costs

Monthly HOA Costs

Monthly Other Costs

PITIA

Residual Income

HOA Questionnaire Flag

HOA Name

HOA Address State

HOA Fee Amount

HOA Next Due Date

HOA Payment Frequency

Originator DTI

TPR Verified DTI

QM DTI

Is Borrower Non Occupant

Is Co Borrower Non Occupant

Co Borrower 2 Asset Verification Level

Co Borrower 3 Asset Verification Level

Co Borrower 2 Income Verification Level

Co Borrower 3 Income Verification Level

Co Borrower 2 Employment Verification Level

Co Borrower 3 Employment Verification Level

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower 2 Length of Employment

Co Borrower 3 Length of Employment

Document Level

Borrower Years of W2s/1099

CoBorrower Years of W2s/1099

Borrower Months of Paystubs Verified

Co Borrower Months of Paystubs Verified

Borrower Employment Gap Letter

Borrower Months of Employment Gap

Co Borrower Employment Gap Letter

Co Borrower Months of Employment Gap

Borrower Years of Personal Tax Returns

Borrower Years of Business Tax Returns

CoBorrower Years of Personal Tax Returns

CoBorrower Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Borrower Award/Offer Letter

Co Borrower Award/Offer Letter

Asset Depletion Flag

Partial Asset Depletion Flag

Asset Depletion Months Amortized

Asset Utilization Flag (No DTI)

Borrower Bank Statements Flag

Borrower Bank Statement Summary/Lender Worksheet

Borrower Number of Personal Bank Statements

Borrower Number of Business Bank Statements

CoBorrower Bank Statements Flag

Co Borrower Bank Statement Summary/Lender Worksheet

CoBorrower Number of Personal Bank Statements

CoBorrower Number of Business Bank Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

Bespoke Eligible Assets

Borrower P&L Type

Borrower Number of Months P&L

Borrower P&L Prepared By

CoBorrower P&L Type

CoBorrower P&L Prepared By

CoBorrower Number of Months P&L

Borrower CPA Letter Flag

# of Months CPA verified income

CoBorrower CPA Letter Flag

CoBorrower # of Months CPA verified income

Borrower WVOE Flag

Borrower # of Months Employment Validated WVOE

Borrower # of Months Income Validated WVOE

Borrower WVOE Form Type

CoBorrower WVOE Flag

CoBorrower # of Months WVOE

CoBorrower # of Months Income Validated WVOE

CoBorrower WVOE Form Type

DSCR Flag

TPR DSCR

Originator DSCR

Expense Letter

Income Doc Detail

Tax Return Doc Details

Property Address

Property City

Property State

Property Zip

Property County

Original Credit Report Date

Borrower 1 Credit Report Date

Borrower 2 Credit Report Date

Borrower 3 Credit Report Date

Borrower 4 Credit Report Date

Qualifying Credit Score

Third Wage Earner Original FICO Equifax

Third Wage Earner Original FICO Experian

Third Wage Earner Original FICO Transunion

1072136

XXXX

10/28/2025

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

Yes

20.000%

XXXX

$4,299.00

$358.25

$0.00

$11,275.97

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.109

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

XXXX

12/03/2025

724

1083862

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

XXXX

Yes

18.000%

XXXX

$1,826.04

$152.17

$0.00

$3,497.46

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.099

1.09

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 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified

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

XXXX

01/23/2026

728

1083863

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.999%

XXXX

Yes

18.000%

XXXX

$2,592.96

$216.08

$0.00

$3,229.03

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.332

1.33

XXXX

01/23/2026

728

1093028

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

XXXX

$1,257.96

$104.83

$75.00

$6.25

$0.00

$5,115.89

N/A

XXXX

$6.25

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.062

1.12

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

XXXX

03/05/2026

787

1113188

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

XXXX

Yes

20.000%

XXXX

$1,882.56

$156.88

$0.00

$3,807.55

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.261

1.256

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

XXXX

04/13/2026

744

1115705

XXXX

03/02/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

9654.75

03/09/2026

6.020%

Manual Underwriting

7.747%

7.375%

XXXX

$879.00

$73.25

$6,372.00

$531.00

$0.00

$2,811.81

$35,848.43

Yes

XXXX

$531.00

Monthly

0.00%

32.49%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SECorporation, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025

Borrower - 3 YRS Executed 4506T Verified - 2025

XXXX

01/30/2026

743

1118857

XXXX

01/28/2026

XXXX

QM: Safe Harbor Verified (V SH)

Yes

Option 3 - Underwritten to Proprietary Lender Guidelines

N/A

8284

03/23/2026

6.220%

Manual Underwriting

7.097%

6.875%

XXXX

$1,089.00

$90.75

$1,137.00

$94.75

$0.00

$3,560.75

$6,371.01

N/A

XXXX

$94.75

Annually

0.00%

46.56%

Employed

Asset Depletion – Debt Ratio Calculation

1 Month

N/A

Yes

60.0

Yes

0.00%

Stocks/Bonds

N/A

Yes

FNMA 1005

Borrower - Wage, Other REO Net Rental Income(Loss), Asset Depletion - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2024, 2025, 2026

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

XXXX

03/26/2026

810

1122357

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

XXXX

Yes

20.000%

XXXX

$3,182.52

$265.21

$0.00

$5,407.93

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.962

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

XXXX

03/19/2026

780

1127061

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.250%

XXXX

Yes

18.000%

XXXX

$576.00

$48.00

$3,600.00

$300.00

$0.00

$2,139.78

Yes

XXXX

$300.00

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.748

0.75

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

XXXX

03/06/2026

705

1127066

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

XXXX

Yes

18.000%

XXXX

$2,182.32

$181.86

$0.00

$4,605.08

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.129

1.12

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

XXXX

04/02/2026

734

1127213

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

6095

04/13/2026

6.370%

Manual Underwriting

6.984%

6.875%

XXXX

$5,053.08

$421.09

$0.00

$3,036.76

$3,867.24

N/A

$0.00

0.00%

44.19%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025

Borrower - 3 YRS Executed 4506T Verified - 2025

XXXX

02/26/2026

775

1127215

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

8158.75

04/06/2026

6.430%

Manual Underwriting

8.449%

8.000%

XXXX

$2,844.00

$237.00

$0.00

$1,972.01

$5,176.28

N/A

$0.00

0.00%

39.45%

Self-Employed

1YR 1099

N/A

0.00%

100.00%

N/A

Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - 2025

Borrower - 3 YRS Executed 4506T Verified - 2025

XXXX

03/23/2026

794

1128607

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

4915

04/06/2026

6.430%

Manual Underwriting

6.938%

6.625%

XXXX

$371.04

$30.92

$2,820.00

$235.00

$0.00

$1,726.20

$19,692.44

Yes

XXXX

$235.00

Monthly

0.00%

26.70%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

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

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

04/09/2026

810

1128609

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

10565

04/20/2026

6.300%

Manual Underwriting

7.421%

7.000%

XXXX

$6,760.80

$563.40

$0.00

$2,979.06

$10,257.02

N/A

$0.00

0.00%

46.35%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

99.00%

N/A

Yes

N/A

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

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

03/31/2026

762

1128610

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

XXXX

Yes

20.000%

XXXX

$2,409.96

$200.83

$200.04

$16.67

$0.00

$2,606.68

$36,759.04

N/A

XXXX

$16.67

01/01/2027

Annually

0.00%

34.69%

Yes

Self-Employed

2YR Business P&L

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

Yes

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025, 2026

Borrower - 2024, 2025, 2026

XXXX

02/27/2026

700

1129779

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

XXXX

Yes

18.000%

XXXX

$824.04

$68.67

$0.00

$1,236.17

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.092

1.09

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

XXXX

02/16/2026

768

1129782

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.250%

XXXX

$2,349.00

$195.75

$0.00

$3,183.04

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.005

1.0

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

XXXX

04/03/2026

713

1129783

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.500%

XXXX

Yes

18.000%

XXXX

$1,521.00

$126.75

$0.00

$1,002.15

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.597

1.59

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

XXXX

03/16/2026

683

1129786

XXXX

01/28/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

XXXX

Yes

18.000%

XXXX

$723.00

$60.25

$21,420.00

$1,785.00

$0.00

$5,706.41

Yes

XXXX

$1,785.00

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.755

1.77

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

XXXX

03/09/2026

803

1130226

XXXX

03/23/2026

XXXX

QM: Safe Harbor Verified (V SH)

Yes

Option 3 - Underwritten to Proprietary Lender Guidelines

N/A

8035

04/13/2026

6.370%

Manual Underwriting

6.938%

6.750%

6.875%

XXXX

$1,196.76

$99.73

$8,640.00

$720.00

$0.00

$3,542.87

$39,137.81

Yes

XXXX

$720.00

Monthly

0.00%

20.77%

Yes

Employed

1YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 || Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified - 2024, 2025, 2026

Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 || Co Borrower - 1 YR IRS Transcripts Verified - 2024, 2025, 2026

XXXX

04/09/2026

723

1130228

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

17039.38

04/06/2026

6.430%

Manual Underwriting

6.773%

6.750%

XXXX

Yes

18.000%

XXXX

$1,957.32

$163.11

$1,380.00

$115.00

$0.00

$9,094.06

$18,266.08

N/A

XXXX

$115.00

Monthly

0.00%

44.76%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

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

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

04/15/2026

777

1130229

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.375%

XXXX

Yes

20.000%

XXXX

$3,092.28

$257.69

$0.00

$6,903.62

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.188

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

XXXX

02/13/2026

806

1130230

XXXX

03/02/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

XXXX

Yes

20.000%

XXXX

$12,588.96

$1,049.08

$0.00

$18,023.20

$122,771.81

N/A

$0.00

0.00%

42.17%

Yes

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2026, 2025

Borrower - 2026, 2025

XXXX

01/27/2026

747

1132029

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

25195

04/20/2026

6.300%

Manual Underwriting

7.458%

7.125%

XXXX

$6,082.08

$506.84

$5,184.00

$432.00

$0.00

$7,867.45

$17,973.17

N/A

XXXX

$432.00

Monthly

0.00%

39.29%

Yes

Self-Employed

1YR 1099

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

01/15/2026

694

1132030

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

8317.52

04/13/2026

6.370%

Manual Underwriting

7.190%

6.990%

XXXX

$2,689.08

$224.09

$0.00

$2,573.54

$3,335.97

N/A

$0.00

0.00%

49.01%

Retired

1YR Full Doc

N/A

Yes

N/A

0.00%

N/A

Borrower - Military and Government Assistance, SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

03/20/2026

758

1132032

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

XXXX

Yes

20.000%

XXXX

$4,208.04

$350.67

$1,305.00

$108.75

$0.00

$5,487.89

N/A

XXXX

$108.75

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.847

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

XXXX

03/05/2026

721

1133999

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

XXXX

Yes

20.000%

XXXX

$4,817.04

$401.42

$0.00

$7,999.98

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.0

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

XXXX

04/15/2026

767

1134001

XXXX

10/28/2025

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

XXXX

Yes

20.000%

XXXX

$4,940.04

$411.67

$0.00

$3,057.45

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.439

XXXX

03/05/2026

757

1134003

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.125%

XXXX

Yes

20.000%

XXXX

$3,091.92

$257.66

$0.00

$4,571.35

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.006

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

XXXX

02/17/2026

771

1135553

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

XXXX

Yes

20.000%

XXXX

$1,795.92

$149.66

$0.00

$3,955.38

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.011

XXXX

03/26/2026

01/21/2026

773

1135554

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

8530.04

03/23/2026

6.220%

Manual Underwriting

7.554%

7.125%

XXXX

$582.96

$48.58

$4,224.00

$352.00

$0.00

$2,707.48

$6,190.54

Yes

XXXX

$352.00

Monthly

0.00%

35.99%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

03/25/2026

654

1135555

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

9224.38

04/20/2026

6.300%

Manual Underwriting

7.370%

6.875%

XXXX

$1,590.12

$132.51

$11,853.96

$987.83

$0.00

$3,164.09

$8,477.58

N/A

XXXX

$987.83

Annually

0.00%

48.17%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 3 YRS Executed 4506T Verified - 2026, 2025

XXXX

03/25/2026

761

1135557

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.625%

XXXX

Yes

20.000%

XXXX

$2,018.04

$168.17

$0.00

$3,674.66

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.089

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

XXXX

03/25/2026

700

1136460

XXXX

03/03/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.250%

XXXX

$2,180.04

$181.67

$0.00

$2,117.86

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.275

1.27

XXXX

04/27/2026

03/04/2026

705

1137123

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

XXXX

Yes

20.000%

XXXX

$1,278.00

$106.50

$0.00

$1,054.77

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.896

1.889

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

XXXX

04/14/2026

787

1137127

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10980

04/06/2026

6.430%

Manual Underwriting

7.454%

7.250%

XXXX

$9,882.96

$823.58

$0.00

$5,137.80

$8,934.45

N/A

$0.00

0.00%

45.68%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

132

N/A

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

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

02/12/2026

671

1137128

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Interest Only

2095

03/23/2026

6.220%

Manual Underwriting

7.912%

7.875%

XXXX

$1,824.96

$152.08

$0.00

$6,552.77

$72,945.85

N/A

$0.00

0.00%

22.52%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 2026, 2025

XXXX

03/11/2026

660

1138816

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.990%

XXXX

Yes

20.000%

XXXX

$1,319.04

$109.92

$1,584.00

$132.00

$0.00

$3,094.66

N/A

XXXX

$132.00

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.01

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

XXXX

03/24/2026

802

1138817

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.000%

XXXX

Yes

20.000%

XXXX

$7,578.96

$631.58

$0.00

$3,788.77

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.214

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

XXXX

04/10/2026

667

1138818

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

6106.81

04/06/2026

6.430%

Manual Underwriting

8.100%

7.500%

XXXX

$720.00

$60.00

$549.96

$45.83

$0.00

$2,023.34

$2,860.49

N/A

XXXX

$45.83

Annually

0.00%

47.59%

Self-Employed

1YR Business P&L

N/A

Yes

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

02/26/2026

686

1138819

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10420

04/13/2026

6.370%

Manual Underwriting

7.341%

7.000%

XXXX

$5,251.08

$437.59

$0.00

$3,419.42

$3,856.38

N/A

$0.00

0.00%

49.70%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 2025, 2026

XXXX

03/31/2026

709

1138820

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

15783

05/04/2026

6.320%

Manual Underwriting

6.655%

6.625%

XXXX

$1,956.00

$163.00

$5,088.00

$424.00

$0.00

$8,078.69

$11,059.11

N/A

XXXX

$424.00

Monthly

11.21%

47.53%

Self-Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

04/10/2026

763

1140222

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

1747.5

03/30/2026

6.430%

Manual Underwriting

7.635%

7.250%

XXXX

$2,691.00

$224.25

$0.00

$1,759.04

$5,501.64

N/A

$0.00

0.00%

37.94%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

03/20/2026

672

1140225

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.250%

XXXX

Yes

20.000%

XXXX

$1,695.48

$141.29

$7,200.00

$600.00

$0.00

$18,265.17

$60,307.87

N/A

XXXX

$600.00

Monthly

0.00%

35.23%

Yes

Self-Employed

12 Month Bank Statement

Yes

96.86%

100.00%

Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 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 1099 Verified, null Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified - 2025, 2026

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified - 2025, 2026

XXXX

04/17/2026

769

1142034

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.250%

XXXX

Yes

20.000%

XXXX

$5,811.00

$484.25

$0.00

$6,764.38

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.124

1.123

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

XXXX

02/17/2026

662

1142036

XXXX

10/28/2025

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10295

04/13/2026

6.370%

Manual Underwriting

6.661%

6.625%

XXXX

$1,374.96

$114.58

$2,880.00

$240.00

$0.00

$7,297.23

$11,113.33

N/A

XXXX

$240.00

07/01/2026

Monthly

0.00%

43.69%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

04/09/2026

756

1144534

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

XXXX

$1,520.52

$126.71

$0.00

$4,176.50

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.194

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

XXXX

04/13/2026

770

1144535

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

XXXX

Yes

20.000%

XXXX

$1,453.08

$121.09

$0.00

$2,796.56

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

1.003

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

XXXX

03/27/2026

703

1144536

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.000%

XXXX

Yes

20.000%

XXXX

$17,269.08

$1,439.09

$0.00

$5,713.62

$18,198.25

N/A

$0.00

0.00%

25.83%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2025, 2026

Borrower - 2025, 2026

XXXX

05/07/2026

652

1149985

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

2762.5

03/09/2026

6.020%

Manual Underwriting

7.539%

7.500%

XXXX

$4,622.04

$385.17

$0.00

$8,502.52

$22,528.48

N/A

$0.00

0.00%

43.85%

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

Stocks/Bonds,Stocks/Bonds,Crypto Currency

N/A

Yes

N/A

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

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

03/04/2026

784

1152592

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

XXXX

Yes

20.000%

XXXX

$1,629.96

$135.83

$0.00

$2,487.80

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.045

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

XXXX

05/12/2026

706

1152595

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

XXXX

Yes

20.000%

XXXX

$1,987.56

$165.63

$0.00

$2,076.25

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.252

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

XXXX

04/07/2026

772

1156105

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

XXXX

Yes

20.000%

XXXX

$770.04

$64.17

$0.00

$909.36

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.045

XXXX

04/01/2026

666

1156106

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

8895

04/20/2026

6.300%

Manual Underwriting

7.601%

7.250%

XXXX

$3,009.48

$250.79

$0.00

$2,389.48

$9,012.04

N/A

$0.00

0.00%

28.30%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

04/16/2026

648

1159811

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10807

03/30/2026

6.430%

Manual Underwriting

6.881%

6.500%

XXXX

$2,559.96

$213.33

$0.00

$3,311.59

$8,617.98

N/A

$0.00

0.00%

33.72%

Self-Employed

Employed

2YR Full Doc

1 Month

N/A

Yes

19.41%

100.00%

0.00%

N/A

Yes

N/A

Borrower - Wage, SESCorp - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026

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

XXXX

02/25/2026

02/15/2026

706

1159813

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

8895

04/20/2026

6.300%

Manual Underwriting

7.489%

7.375%

XXXX

$963.00

$80.25

$0.00

$2,629.17

$13,775.58

N/A

$0.00

0.00%

31.23%

Not Employed

Self-Employed

12 Month Bank Statement

N/A

Yes

0.00%

100.00%

N/A

Yes

N/A

Borrower || Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

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

XXXX

03/31/2026

681

1159814

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

21345.36

04/20/2026

6.300%

Manual Underwriting

7.288%

7.000%

XXXX

$6,064.32

$505.36

$0.00

$6,815.07

$11,351.73

N/A

$0.00

0.00%

42.31%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

03/06/2026

759

1166842

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

13165

05/04/2026

6.320%

Manual Underwriting

Out of Scope

7.213%

6.875%

XXXX

$2,038.44

$169.87

$300.00

$25.00

$0.00

$4,067.58

$5,087.69

N/A

XXXX

$25.00

Monthly

0.00%

48.49%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

04/14/2026

731

1166843

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.875%

XXXX

Yes

20.000%

XXXX

$741.48

$61.79

$7,848.00

$654.00

$0.00

$2,870.28

$30,440.61

Yes

XXXX

$654.00

Monthly

0.00%

23.22%

Yes

Employed

2YR Full Doc

1 Month

N/A

Yes

0.00%

N/A

Yes

101

FNMA 1005

Yes

255

Work Number

Borrower - Wage, SSI and Disability, Retirement, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage, Bonus, Overtime - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

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

XXXX

04/07/2026

719

1166844

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

XXXX

Yes

20.000%

XXXX

$1,265.28

$105.44

$0.00

$992.69

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.511

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

XXXX

05/06/2026

702

1166845

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

XXXX

Yes

20.000%

XXXX

$958.20

$79.85

$21,372.00

$1,781.00

$0.00

$8,742.19

N/A

XXXX

$1,781.00

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.801

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

XXXX

03/02/2026

746

1166849

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

8735

04/27/2026

6.260%

Manual Underwriting

6.652%

6.375%

XXXX

$806.28

$67.19

$1,752.00

$146.00

$0.00

$2,861.17

$63,705.94

N/A

XXXX

$146.00

Monthly

0.00%

16.56%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Yes

N/A

Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

04/06/2026

746

1166850

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

34435

04/27/2026

6.260%

Manual Underwriting

6.745%

6.625%

6.750%

XXXX

$5,866.44

$488.87

$0.00

$7,318.18

$74,990.35

N/A

$0.00

0.00%

18.05%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Yes

N/A

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

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

XXXX

04/11/2026

730

1173954

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

12545

05/04/2026

6.320%

Manual Underwriting

7.788%

7.625%

7.875%

XXXX

$4,845.72

$403.81

$480.00

$40.00

$0.00

$6,597.59

$68,840.21

N/A

XXXX

$40.00

07/01/2026

Monthly

0.00%

14.29%

Self-Employed

1YR Business P&L

N/A

0.00%

25.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

04/16/2026

703

1173956

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

XXXX

Yes

20.000%

XXXX

$2,833.32

$236.11

$0.00

$3,097.44

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.501

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

XXXX

02/02/2026

745

1176874

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

11445

04/27/2026

6.260%

Manual Underwriting

7.174%

6.750%

XXXX

$1,449.00

$120.75

$0.00

$2,555.34

$2,928.24

N/A

$0.00

0.00%

47.37%

Self-Employed

1YR Full Doc

N/A

Yes

0.00%

100.00%

N/A

Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026

Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026

XXXX

04/20/2026

669

1176875

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

32095

04/27/2026

6.260%

Manual Underwriting

7.404%

7.375%

XXXX

$3,914.28

$326.19

$0.00

$12,286.10

$35,047.07

N/A

$0.00

0.00%

34.36%

Self-Employed

Not Employed

1YR Business P&L

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

N/A

Yes

240

N/A

Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower

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

XXXX

03/23/2026

735

1176879

XXXX

05/15/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.375%

XXXX

Yes

20.000%

XXXX

$921.96

$76.83

$0.00

$1,108.24

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.263

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

XXXX

04/30/2026

765

1176880

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

10105

05/04/2026

6.320%

Manual Underwriting

7.631%

7.250%

XXXX

$975.96

$81.33

$10,740.00

$895.00

$0.00

$3,868.42

$6,647.95

Yes

XXXX

$895.00

Monthly

0.00%

46.82%

Employed

1YR Full Doc

1 Month

N/A

Yes

0.00%

Stocks/Bonds

N/A

Yes

FNMA 1005

Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - 2024, 2025, 2026

Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025, 2026

XXXX

04/30/2026

692

1178807

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

8.000%

XXXX

Yes

20.000%

XXXX

$2,751.00

$229.25

$225.00

$18.75

$0.00

$3,114.59

N/A

XXXX

$18.75

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.018

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

XXXX

03/25/2026

663

1182555

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

19994.75

05/04/2026

6.320%

Manual Underwriting

6.794%

6.500%

XXXX

$1,411.56

$117.63

$4,256.40

$354.70

$0.00

$6,176.23

$17,951.28

N/A

XXXX

$354.70

Monthly

0.00%

28.55%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

03/30/2026

737

1184654

XXXX

03/23/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

XXXX

$1,341.00

$111.75

$0.00

$1,511.96

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.025

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

XXXX

02/05/2026

767

1186692

XXXX

03/23/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

37017.25

05/25/2026

6.600%

Manual Underwriting

7.662%

7.375%

XXXX

$5,580.00

$465.00

$0.00

$12,688.05

$139,828.98

N/A

$0.00

0.00%

27.47%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

05/18/2026

757

1188451

XXXX

05/15/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

XXXX

Yes

20.000%

XXXX

$1,989.60

$165.80

$0.00

$1,288.85

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.241

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

XXXX

05/05/2026

709

1190906

XXXX

05/15/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

XXXX

$1,800.00

$150.00

$0.00

$4,389.00

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.01

XXXX

05/05/2026

756

1192802

XXXX

03/23/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

12682.5

05/04/2026

6.320%

Manual Underwriting

6.965%

6.625%

XXXX

$1,198.08

$99.84

$0.00

$3,252.54

$5,834.82

N/A

$0.00

0.00%

46.50%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

05/03/2026

714

1195497

XXXX

05/15/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.625%

XXXX

$2,635.80

$219.65

$0.00

$2,317.56

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.985

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

XXXX

04/08/2026

759

1199801

XXXX

05/15/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

Loan Term Exceeds 30 Years

18296.25

06/01/2026

6.520%

Manual Underwriting

7.715%

7.500%

XXXX

$2,369.04

$197.42

$0.00

$7,330.33

$22,053.78

N/A

$0.00

0.00%

29.79%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2026, 2025

Borrower - 3 YRS Executed 4506T Verified - 2026, 2025

XXXX

05/29/2026

728

1201606

XXXX

05/15/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

6.875%

XXXX

Yes

20.000%

XXXX

$2,256.96

$188.08

$0.00

$3,543.81

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.27

XXXX

05/14/2026

758

1201607

XXXX

05/15/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

15845

05/25/2026

6.600%

Manual Underwriting

6.927%

6.625%

XXXX

$2,455.68

$204.64

$0.00

$4,348.47

$6,655.19

N/A

$0.00

0.00%

39.96%

Employed

2YR Full Doc

2+ Months

N/A

Yes

0.00%

N/A

Borrower - Family Owned Business - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

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

XXXX

05/14/2026

729

1201608

XXXX

05/15/2026

XXXX

QM: Safe Harbor APOR (APOR SH)

Yes

N/A

11224.08

05/25/2026

6.600%

Manual Underwriting

Unknown

7.308%

6.990%

7.125%

XXXX

$388.56

$32.38

$6,240.00

$520.00

$0.00

$4,558.37

$13,768.63

Yes

XXXX

$520.00

Monthly

0.00%

29.25%

Self-Employed

2YR Business P&L

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

Yes

N/A

Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026, 2024

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

XXXX

03/18/2026

738

1201611

XXXX

05/15/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

XXXX

Yes

20.000%

XXXX

$1,188.96

$99.08

$0.00

$1,149.95

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.435

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

XXXX

05/12/2026

662

1201613

XXXX

05/15/2026

XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

QM Points and Fees Exceeded

6631

05/18/2026

6.420%

Manual Underwriting

7.043%

6.625%

XXXX

$2,414.04

$201.17

$212.04

$17.67

$0.00

$2,134.56

$28,605.27

N/A

XXXX

$17.67

Annually

0.00%

11.51%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Yes

N/A

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

Borrower - 3 YRS Executed 4506T Verified - 2025, 2026

XXXX

05/02/2026

770

1203582

XXXX

05/15/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

XXXX

Yes

20.000%

XXXX

$1,006.20

$83.85

$0.00

$1,214.45

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.194

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

XXXX

05/14/2026

761

1209038

XXXX

05/15/2026

XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

$0.00

7.125%

XXXX

Yes

20.000%

XXXX

$1,565.64

$130.47

$0.00

$911.78

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.152

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

XXXX

05/14/2026

713

Redaction ID

Fourth Wage Earner Original FICO Equifax

Fourth Wage Earner Original FICO Experian

Fourth Wage Earner Original FICO Transunion

Most Recent Co Borrower 2 FICO

Most Recent Co Borrower 3 FICO

Updated Credit Report Flag

Updated Credit Report Date

Updated FICO Method

Primary Wage Earner Updated FICO Equifax

Primary Wage Earner Updated FICO Experian

Primary Wage Earner Updated FICO Transunion

Secondary Wage Earner Updated FICO Equifax

Secondary Wage Earner Updated FICO Experian

Secondary Wage Earner Updated FICO Transunion

Third Wage Earner Updated FICO Equifax

Third Wage Earner Updated FICO Experian

Third Wage Earner Updated FICO Transunion

Fourth Wage Earner Updated FICO Equifax

Fourth Wage Earner Updated FICO Experian

Fourth Wage Earner Updated FICO Transunion

Updated Primary Borrower FICO

Updated Co Borrower FICO

Updated Co Borrower 2 FICO

Updated Co Borrower 3 FICO

Updated Qualifying FICO

Most Recent Bankruptcy Type

Most Recent Bankruptcy Filing Date

Most Recent Bankruptcy Discharge Date

Number of Bankruptcy Events

Months Bankruptcy 7 11

Months Bankruptcy 13

Most Recent Deed in Lieu Date

Number of Deed in Lieu Events

Months Deed in Lieu

Most Recent Short Sale Date

Number of Short Sale Events

Months Short Sale (or Pre FC)

Most Recent Foreclosure Date

Number of Foreclosure Events

Months Foreclosure

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

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

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

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

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

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

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

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

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Is Equity Shared Loan

Subordinate Lien Type

Subordinate Lien Max Draw Amount (HELOC)

Subordinate Lien 2 Type

Subordinate Lien 2 Max Draw Amount (HELOC)

Subordinate Lien 3 Type

Subordinate Lien 3 Max Draw Amount (HELOC)

Is Shared Appreciation Mortgage

Borrower Originator Citizenship Designation

Borrower Verified Citizenship Designation

Borrower Individual Tax Identification Number (ITIN)?

Borrower Photo Identification Type

Borrower Photo Identification Other Type

Borrower Photo ID State of Issuance

Borrower Photo ID Country of Issuance

Borrower Photo ID Expiration Date

Borrower Passport Country of Origin

Borrower Passport Expiration Date

Borrower Non-US Citizen Identification Document

Borrower Date of Resident Since/Valid Date

Borrower Non-US Document Expiration Date

Co Borrower Originator Citizenship Designation

Co Borrower Verified Citizenship Designation

Co Borrower Individual Tax Identification Number (ITIN)?

Co Borrower Photo Identification Type

Co Borrower Photo Identification Other Type

Co Borrower Photo ID State of Issuance

Co Borrower Photo ID Country of Issuance

Co Borrower Photo ID Expiration Date

Co Borrower Passport Country of Origin

Co Borrower Passport Expiration Date

Co Borrower Non-US Citizen Identification Document

Co Borrower Date of Resident Since/Valid Date

Co Borrower Non-US Document Expiration Date

Co Borrower 2 Originator Citizenship Designation

Co Borrower 2 Verified Citizenship Designation

Co Borrower 2 Individual Tax Identification Number (ITIN)?

Co Borrower 2 Photo Identification Type

Co Borrower 2 Photo Identification Other Type

Co Borrower 2 Photo ID State of Issuance

Co Borrower 2 Photo ID Country of Issuance

Co Borrower 2 Photo ID Expiration Date

Co Borrower 2 Passport Country of Origin

Co Borrower 2 Passport Expiration Date

Co Borrower 2 Non-US Citizen Identification Document

Co Borrower 2 Date of Resident Since/Valid Date

Co Borrower 2 Non-US Document Expiration Date

Co Borrower 3 Originator Citizenship Designation

Co Borrower 3 Verified Citizenship Designation

Co Borrower 3 Individual Tax Identification Number (ITIN)?

Co Borrower 3 Photo Identification Type

Co Borrower 3 Photo Identification Other Type

Co Borrower 3 Photo ID State of Issuance

Co Borrower 3 Photo ID Country of Issuance

Co Borrower 3 Photo ID Expiration Date

Co Borrower 3 Passport Country of Origin

Co Borrower 3 Passport Expiration Date

Co Borrower 3 Non-US Citizen Identification Document

Co Borrower 3 Date of Resident Since/Valid Date

Co Borrower 3 Non-US Document Expiration Date

Property Rights

Leasehold Lease Expiration Date

Buydown Flag

Assumable Mortgage Flag

Foreign National Alternative Credit Documentation

Liquid / Cash Reserves (ASF)

Months Liquid Reserves

Total Assets Available for Reserves

Months Reserves

Blanket Mortgage Flag

Qualifying HCLTV

Condo Warrantability Flag

E-Note Flag

O&E in lieu of Title Insurance

Business Purpose Flag

Borrower Note Executed As

Co Borrower Note Executed As

Co Borrower 2 Note Executed As

Co Borrower 3 Note Executed As

Borrower 1 Trust Name

Borrower 2 Trust Name

Borrower 3 Trust Name

Borrower 4 Trust Name

1072136

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

4.5

XXXX

4.5

80.0

N/A

Yes

Borrower As Individual

N/A

1083862

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

116.3

75.0

N/A

Yes

Borrower As Individual

N/A

1083863

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

108.6

75.0

N/A

Yes

Borrower As Individual

N/A

1093028

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

26.5

XXXX

26.5

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

1113188

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

31.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

1115705

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

6.8

XXXX

6.8

85.0

Yes

Borrower As Individual

N/A

1118857

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

43.1

XXXX

43.1

80.0

N/A

Borrower As Individual

N/A

1122357

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

1.5

XXXX

1.5

69.48

N/A

Yes

Member on Behalf of Entity

N/A

1127061

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

82.5

75.0

Yes

Member on Behalf of Entity

N/A

1127066

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

12.0

XXXX

12.0

80.0

N/A

Yes

Member on Behalf of Entity

N/A

1127213

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

26.4

XXXX

26.4

50.0

N/A

Borrower As Individual

N/A

1127215

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

18.2

XXXX

18.2

90.0

N/A

Borrower As Individual

N/A

1128607

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

25.2

XXXX

25.2

80.0

Yes

Borrower As Individual

N/A

1128609

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

45.6

XXXX

45.6

80.0

N/A

Borrower As Individual

N/A

1128610

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

XXXX

I-766 Employment Authorization Document

XXXX

Fee Simple

Unknown

N/A

XXXX

4.9

XXXX

4.9

80.0

N/A

Yes

Borrower As Individual

N/A

1129779

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

111.8

80.0

N/A

Yes

Member on Behalf of Entity

N/A

1129782

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

XXXX

72.9

XXXX

72.9

50.56

N/A

Yes

Borrower As Individual

N/A

1129783

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

91.7

75.0

N/A

Yes

Member on Behalf of Entity

N/A

1129786

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

Unknown

N/A

XXXX

82.6

XXXX

74.2

54.2

Yes

Member on Behalf of Entity

N/A

1130226

Unknown

US Citizen

N/A

XXXX

N/A

Permanent Resident Alien

Permanent Non-US Citizen

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

XXXX

8.7

XXXX

8.7

59.76

Borrower As Individual

N/A

1130228

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

1.7

XXXX

1.7

66.42

N/A

Borrower As Individual

N/A

1130229

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

13.9

75.0

N/A

Yes

Borrower As Individual

N/A

XXXX

1130230

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

11.9

XXXX

11.9

70.83

N/A

Yes

Borrower As Individual

N/A

1132029

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

29.3

XXXX

29.3

80.0

N/A

Borrower As Individual

N/A

1132030

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

16.7

79.57

N/A

Borrower As Individual

N/A

1132032

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

XXXX

18.5

XXXX

46.8

73.79

N/A

Yes

Borrower As Individual

N/A

1133999

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

78.3

74.68

N/A

Yes

Borrower As Individual

N/A

1134001

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

Other

XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

Other

XXXX

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

92.9

60.0

N/A

Yes

Borrower As Individual

N/A

XXXX

1134003

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

59.6

73.89

N/A

Yes

Member on Behalf of Entity

N/A

1135553

XXXX

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

11.0

70.0

N/A

Yes

Member on Behalf of Entity

N/A

1135554

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

5.2

XXXX

5.2

74.94

Borrower As Individual

N/A

1135555

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

27.4

XXXX

27.4

85.0

Yes

Borrower As Individual

N/A

XXXX

1135557

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

20.2

60.58

N/A

Yes

Borrower As Individual

N/A

1136460

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

38.4

XXXX

38.4

80.0

N/A

Yes

Member on Behalf of Entity

N/A

1137123

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

75.9

XXXX

75.9

37.93

N/A

Yes

Borrower As Individual

N/A

1137127

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

19.0

60.59

N/A

Borrower As Individual

N/A

1137128

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

26.9

XXXX

48.1

75.0

N/A

Borrower As Individual

N/A

1138816

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

2.0

XXXX

2.0

85.0

N/A

Yes

Borrower As Individual

N/A

1138817

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

25.9

70.0

N/A

Yes

Member on Behalf of Entity

N/A

1138818

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

3.9

XXXX

3.9

80.0

N/A

Borrower As Individual

N/A

1138819

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

0.0

71.84

N/A

Borrower As Individual

N/A

1138820

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

11.1

XXXX

11.1

80.0

N/A

Borrower As Individual

N/A

1140222

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

XXXX

0.0

XXXX

21.4

75.0

N/A

Borrower As Individual

N/A

1140225

Unknown

US Citizen

N/A

XXXX

N/A

Lease Hold

XXXX

N/A

XXXX

1.1

XXXX

8.6

67.23

N/A

Yes

Borrower As Individual

N/A

1142034

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

3.9

XXXX

4.1

80.77

N/A

Yes

Member on Behalf of Entity

N/A

1142036

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

112.3

35.27

N/A

Borrower As Individual

N/A

XXXX

1144534

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

52.9

XXXX

52.9

80.0

N/A

Yes

Borrower As Individual

N/A

1144535

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

3.7

XXXX

3.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

1144536

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

18.1

70.0

N/A

Yes

Member on Behalf of Entity

N/A

1149985

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

40.2

XXXX

42.3

85.0

N/A

Borrower As Individual

N/A

1152592

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

XXXX

I-766 Employment Authorization Document

XXXX

Fee Simple

N/A

XXXX

0.0

XXXX

74.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

1152595

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

11.2

XXXX

11.2

80.0

N/A

Yes

Borrower As Individual

N/A

1156105

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

98.6

70.0

N/A

Yes

Borrower As Individual

N/A

1156106

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

27.6

XXXX

27.6

80.0

N/A

Borrower As Individual

N/A

1159811

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

23.0

58.24

N/A

Borrower As Individual

N/A

1159813

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

49.8

80.0

N/A

Borrower As Individual

N/A

1159814

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.5

XXXX

3.3

74.36

N/A

Borrower As Individual

N/A

1166842

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

XXXX

I-766 Employment Authorization Document

XXXX

Fee Simple

N/A

XXXX

23.6

XXXX

23.6

80.0

N/A

Borrower As Individual

N/A

1166843

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

32.6

XXXX

32.6

75.0

Yes

Borrower As Individual

N/A

1166844

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

204.3

XXXX

206.2

64.74

N/A

Yes

Borrower As Individual

N/A

1166845

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

4.4

XXXX

4.4

75.0

Yes

Member on Behalf of Entity

N/A

1166849

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

XXXX

6.2

XXXX

6.2

80.0

N/A

Borrower As Individual

N/A

1166850

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

27.3

XXXX

27.3

70.0

N/A

Borrower As Individual

N/A

1173954

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

56.1

80.0

N/A

Borrower As Individual

N/A

1173956

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

58.5

XXXX

58.5

80.0

N/A

Yes

Member on Behalf of Entity

N/A

1176874

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

58.9

43.59

N/A

Borrower As Individual

N/A

1176875

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

6.1

XXXX

6.1

75.0

N/A

Borrower As Individual

N/A

1176879

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

83.7

72.41

N/A

Yes

Member on Behalf of Entity

N/A

1176880

XXXX

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

29.5

XXXX

22.6

80.0

Yes

Borrower As Individual

N/A

1178807

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

1.1

XXXX

47.2

70.0

N/A

Yes

Member on Behalf of Entity

N/A

1182555

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

XXXX

Other

XXXX

Fee Simple

N/A

XXXX

37.5

XXXX

37.5

77.53

N/A

Borrower As Individual

N/A

1184654

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

21.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

1186692

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

XXXX

9.4

XXXX

9.4

85.0

N/A

Borrower As Individual

N/A

1188451

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

222.3

XXXX

222.3

64.58

N/A

Yes

Borrower As Individual

N/A

1190906

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

8.5

XXXX

8.5

75.0

N/A

Yes

Borrower As Individual

N/A

1192802

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

XXXX

2.5

XXXX

2.5

70.0

N/A

Borrower As Individual

N/A

1195497

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

23.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

1199801

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

XXXX

I-766 Employment Authorization Document

XXXX

Fee Simple

N/A

XXXX

6.4

XXXX

6.4

85.0

N/A

Borrower As Individual

N/A

1201606

Unknown

US Citizen

N/A

XXXX

N/A

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

9.1

73.94

N/A

Yes

Borrower As Individual

N/A

1201607

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

N/A

XXXX

0.0

XXXX

122.0

40.74

N/A

Borrower As Individual

N/A

1201608

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

XXXX

I-766 Employment Authorization Document

XXXX

Fee Simple

N/A

XXXX

5.3

XXXX

5.3

80.0

Yes

Borrower As Individual

N/A

1201611

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

74.2

70.0

N/A

Yes

Borrower As Individual

N/A

1201613

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

XXXX

I-551 Permanent Resident Card

XXXX

Fee Simple

N/A

XXXX

14.8

XXXX

14.8

80.0

N/A

Borrower As Individual

N/A

1203582

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

0.0

XXXX

87.3

75.0

N/A

Yes

Borrower As Individual

N/A

1209038

Unknown

US Citizen

N/A

XXXX

N/A

Fee Simple

Unknown

N/A

XXXX

6.7

XXXX

6.7

75.0

N/A

Yes

Borrower As Individual

N/A

Redaction ID

Loan ID

Seller Loan ID

Investor Loan ID

Note Date

Original Loan Amount

Sales Price

Total Adjusted Prior Purchase Price

Primary Appraised Value

Primary Appraisal Date

Primary Appraisal Type

Primary Appraisal Company

Primary Appraiser Name

Primary Appraiser License Number

Value for LTV

LTV

CLTV

Loan Reviewed Property Value

Loan Reviewed Variance Amount

Loan Reviewed Variance Percent

Loan Reviewed Product Type

Loan Post-Close Reviewed Property Value

Loan Post-Close Reviewed Variance Amount

Loan Post-Close Reviewed Variance Percent

Loan Post-Close Reviewed Product Type

Second Appraisal Value

Second Appraisal Variance Amount

Second Appraisal Variance Percent

Second Appraisal Date

Second Appraisal Type

AVM Appraised Value

AVM Variance Amount

AVM Variance Percent

AVM Confidence Score

FSD Score

AVM Company Name

AVM Product Name

AVM Appraisal Date

Desk Review Appraised Value

Desk Review Variance Amount

Desk Review Variance Percent

Desk Review Company

Desk Review Risk Score

Desk Review Appraisal Date

Desk Top Appraised Value

Desk Top Variance Amount

Desk Top Variance Percent

Desk Top Company

Desk Top Appraisal Date

BPO Appraised Value

BPO Variance Amount

BPO Variance Percent

BPO Company

BPO Appraisal Date

Field Review Appraised Value

Field Review Variance Amount

Field Review Variance Percent

Field Review Company

Field Review Appraisal Date

2055 Appraised Value

2055 Variance Amount

2055 Variance Percent

2055 Company

2055 Appraisal Date

AVE/CMA Appraised Value

AVE/CMA Variance Amount

AVE/CMA Variance Percent

AVE/CMA Company

AVE/CMA Appraisal Date

Completion Report (1004D) Date

Other Appraised Value

Other Variance Amount

Other Variance Percent

Other Appraisal Date

Updated Appraised Value

Updated Variance Amount

Updated Variance Percent

Updated Company

Updated Appraisal Date

Updated Appraisal Type

Loan Collateral Advisor Risk Score

Loan Collateral Advisor Risk Score Date

Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?

Collateral Underwriter Risk Score

Collateral Underwriter Risk Score Date

1072136

XXXX

1025 Small Residential Income Report

XXXX

80.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1083862

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

-.0814

Desk Review

XXXX

-.0814

93.0

0.07

XXXX

-.0814

XXXX

1083863

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1093028

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.6

XXXX

1113188

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

-.0667

Desk Review

XXXX

-.0667

XXXX

Moderate

XXXX

1115705

XXXX

1073 Individual Condo Report

XXXX

85.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1118857

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1122357

XXXX

1004 URAR

XXXX

69.48

XXXX

0.0

.0000

Collateral Underwriter (CU)

2.5

XXXX

1127061

XXXX

1073 Individual Condo Report

XXXX

75.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1127066

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1127213

XXXX

1004 URAR

XXXX

50.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1127215

XXXX

1004 URAR

XXXX

90.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.7

XXXX

1128607

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1128609

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1128610

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1129779

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Desk Review

XXXX

.0219

94.0

0.06

XXXX

0.0

.0000

XXXX

1129782

XXXX

1004 URAR

XXXX

50.56

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1129783

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

-.0444

96.0

0.04

XXXX

0.0

.0000

XXXX

1129786

XXXX

1073 Individual Condo Report

XXXX

54.2

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

2.5

XXXX

1130226

XXXX

1073 Individual Condo Report

XXXX

59.76

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1130228

XXXX

1004 URAR

XXXX

66.42

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1130229

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1130230

XXXX

1004 URAR

XXXX

70.83

XXXX

.0125

1004 URAR

XXXX

.0125

XXXX

1004 URAR

XXXX

0.0

.0000

XXXX

Low

XXXX

1132029

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.3

XXXX

1132030

XXXX

1004 URAR

XXXX

79.57

XXXX

-.0742

AVM

XXXX

-.0742

92.0

0.08

XXXX

1132032

XXXX

1004 URAR

XXXX

73.79

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1133999

XXXX

1004 URAR

XXXX

74.68

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

2.6

XXXX

1134001

XXXX

1025 Small Residential Income Report

XXXX

60.0

XXXX

0.0

.0000

2000 One Unit Appraisal Field Review

XXXX

.0000

XXXX

1134003

XXXX

1004 URAR

XXXX

73.89

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1135553

XXXX

1004 URAR

XXXX

70.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.5

XXXX

Eligible

XXXX

1135554

XXXX

1073 Individual Condo Report

XXXX

74.94

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1135555

XXXX

1073 Individual Condo Report

XXXX

85.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1135557

XXXX

1004 URAR

XXXX

60.58

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

Not Eligible

2.2

XXXX

1136460

XXXX

1025 Small Residential Income Report

XXXX

80.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1137123

XXXX

1004 URAR

XXXX

37.93

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.6

XXXX

1137127

XXXX

1004 URAR

XXXX

60.59

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1137128

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1138816

XXXX

1004 URAR

XXXX

85.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1138817

XXXX

1025 Small Residential Income Report

XXXX

70.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1138818

XXXX

1004 URAR

XXXX

80.0

XXXX

-.0100

AVM

XXXX

-.0100

96.0

0.04

XXXX

1138819

XXXX

1004 URAR

XXXX

71.84

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1138820

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.7

XXXX

1140222

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1140225

XXXX

1004 URAR

XXXX

67.23

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1142034

XXXX

1025 Small Residential Income Report

XXXX

80.77

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1142036

XXXX

1004 URAR

XXXX

35.27

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.3

XXXX

1144534

XXXX

1004 URAR

XXXX

80.0

XXXX

-.0292

AVM

XXXX

-.0292

98.0

0.02

XXXX

1144535

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1144536

XXXX

1004 URAR

XXXX

70.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1149985

XXXX

1004 URAR

XXXX

85.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1152592

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1152595

XXXX

1004 URAR

XXXX

80.0

XXXX

.0011

Collateral Underwriter (CU)

XXXX

1156105

XXXX

1004 URAR

XXXX

70.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1.1

XXXX

1156106

XXXX

1004 URAR

XXXX

80.0

XXXX

-.0298

AVM

XXXX

-.0298

95.0

0.05

XXXX

2.6

XXXX

1159811

XXXX

1004 URAR

XXXX

58.24

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1159813

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

2.3

XXXX

1159814

XXXX

1004 URAR

XXXX

74.36

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.4

XXXX

1166842

XXXX

1004 URAR

XXXX

80.0

XXXX

-.0089

AVM

XXXX

-.0089

97.0

0.03

XXXX

1166843

XXXX

1073 Individual Condo Report

XXXX

75.0

XXXX

.0395

AVM

XXXX

.0395

96.0

0.04

XXXX

1166844

XXXX

1004 URAR

XXXX

64.74

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1166845

XXXX

1073 Individual Condo Report

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

3.1

XXXX

1166849

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

1.4

XXXX

1166850

XXXX

1004 URAR

XXXX

70.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1173954

XXXX

1004 URAR

XXXX

80.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1173956

XXXX

1025 Small Residential Income Report

XXXX

80.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1176874

XXXX

1004 URAR

XXXX

43.59

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

4.3

XXXX

1176875

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1176879

XXXX

1004 URAR

XXXX

72.41

XXXX

0.0

.0000

Collateral Underwriter (CU)

2.1

XXXX

1176880

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

.0404

AVM

XXXX

.0404

92.0

0.08

XXXX

1178807

XXXX

1004 URAR

XXXX

70.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1182555

XXXX

1004 URAR

XXXX

77.53

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1.6

XXXX

1184654

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

1186692

XXXX

1004 URAR

XXXX

85.0

XXXX

.0589

AVM

XXXX

.0589

96.0

0.04

XXXX

1188451

XXXX

1025 Small Residential Income Report

XXXX

64.58

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1190906

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

1192802

XXXX

1004 URAR

XXXX

70.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1195497

XXXX

1025 Small Residential Income Report

XXXX

75.0

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Moderate

XXXX

1199801

XXXX

1004 URAR

XXXX

85.0

XXXX

-.0350

AVM

XXXX

-.0350

97.0

0.03

XXXX

1201606

XXXX

1004 URAR

XXXX

73.94

XXXX

0.0

.0000

Desk Review

XXXX

0.0

.0000

XXXX

Low

XXXX

3.1

XXXX

1201607

XXXX

1004 URAR

XXXX

40.74

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

Eligible

XXXX

1201608

XXXX

1073 Individual Condo Report

XXXX

80.0

XXXX

.1089

AVM

XXXX

.1089

88.0

0.12

XXXX

Eligible

1201611

XXXX

1004 URAR

XXXX

70.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

2.1

XXXX

1201613

XXXX

1004 URAR

XXXX

80.0

XXXX

-.0536

AVM

XXXX

-.0536

96.0

0.04

XXXX

1203582

XXXX

1004 URAR

XXXX

75.0

XXXX

0.0

.0000

Collateral Underwriter (CU)

XXXX

1209038

XXXX

1004 URAR

XXXX

75.0

XXXX

-.0407

AVM

XXXX

-.0407

95.0

0.05

XXXX