Exhibit 99.6

SAN 2026-NQM6

Santander Bank N.A.

Opus Capital Markets Consultants, LLC

5599 San Felipe Street, Suite 420 | Houston, TX 77056 | www.opuscmc.com | 224.632.1300

Executive Narrative

July 20, 2026

Performed by

Opus Capital Markets Consultants, LLC

For

Santander Bank N.A.

The report summarizes the results of a due diligence review performed on a pool of sixty-four (64) loans, that were directly or indirectly acquired by Santander Bank N.A. or an affiliate thereof (together the “Customer”) from an originator (the “Originator”). The Customer is a client of Opus Capital Markets Consultants, LLC (“Consultant”) under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains fifty-seven (57) ATR/QM Exempt loans, of which all are DSCR loans, and seven (7) NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

Credit Review

Credit Qualification

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

Guidelines: Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae’s Single-Family guidelines.

Employment: Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

Income: Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

Assets: Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

Debt Ratio: Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

Property Valuation: Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

Loan-to-Value Ratio: Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

Credit History: Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

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Credit Scores: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

Compensating Factors: Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

Document Review

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

a) Collateral Docs

Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsements are present and duly executed.

Mortgage / Deed of Trust: Verify the presence of a copy of the Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed of Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recorded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

b) Closing Docs

Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

c) Credit Docs

Loan Application: Verify the presence and completeness of both the initial and final loan applications.

Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA’s Loan Analysis.

Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that the file contains a verification of rent or a verification of mortgage form.

Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

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Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third-party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

Regulatory Compliance

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

The “material”¹ disclosure requirements of the federal Truth-in-Lending Act (“TILA”), as amended by the Home Ownership and Equity Protection Act (“HOEPA”) and Dodd-Frank, 15 U.S.C. § 1601 et seq. and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act (“MDIA”), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure (“TRID”) Rule, as set forth below:

For Right of Rescission

A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel was provided.

A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

For TILs (Application Dates prior to 10/3/2015)

Confirm the initial TIL disclosure and final TIL disclosures were provided.

ii.

Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

For TRID Disclosures (Application Dates on or after 10/3/2015)

Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client’s Underwriting Guidelines;

ii.

Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

iii.

Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

iv.

Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

¹ These “material” disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, and if the loan is subject to the Homeownership and Equity Protection Act (“HOEPA”), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

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Section 4 of the Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule;

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

Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with “Ability to Repay and Qualified Mortgage Review” description below;

The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10.

The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11.

The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called “predatory lending”:

12.

Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13.

For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14.

Verification, in accordance with 12 C.F.R. 1026.36, that the mortgage loan originator organization and individual mortgage loan originator names and applicable NMLS Registry ID(s) are properly disclosed on required loan documents and accurately validated against the NMLS Registry database, as available.

15. Documentation. Review of the following documents for regulatory compliance:

Final HUD-1 Settlement Statement (“HUD-1”), if applicable

If the loan is in an escrow state, the HUD-1 will be considered final as follows:

HUD-1 is marked Final;

If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

ii.

There should be no markings indicating that the HUD-1 is estimated.

HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; and

If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

Final Truth in Lending Disclosure (“TIL”), if applicable

Loan Estimate, if applicable

The Loan Estimate will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

Closing Disclosure, if applicable

The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

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Notice of Right to Cancel (if applicable)

Initial TIL, if applicable

Good Faith Estimate (“GFE”), if applicable

Note

Mortgage/Deed of Trust

FACTA disclosures

Third Party Fees

Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

ii.

CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

iii.

Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

Ability to Repay and Qualified Mortgage Review

For Agency Eligible Loans Only: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan’s designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan’s status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

For loans for which applications were received prior to July 1, 2021, 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, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For Non-Agency Eligible Loans: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

a. Qualified Mortgage:

For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

ii.

For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

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b. Ability to Repay:

The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

Current employment status

Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortized payments that are substantially equal

Monthly payment on any simultaneous loans secured by the subject property.

Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner’s association fees or ground rent.

Debts, alimony, and child support obligations

Monthly debt-to-income ratio or residual income

Credit history

ii.

For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

iii.

Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant’s review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant’s conclusion.

Regulatory Compliance Disclaimer

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

Seasoning And Certain Compliance Exceptions

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than rescission, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

Additional Disclosures and Requirements:

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

Servicing Transfer Disclosure (for applications prior to 10/03/2015):

Confirm the presence of the Servicing Transfer Disclosure form in file

Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of “Application”

Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

Confirm the Home Loan Tool Kit is provided within three general business days of application

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Initial Escrow Disclosure Statement

Confirm the presence of the Initial Escrow Disclosure Statement in file

Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45-days after settlement

Equal Credit Opportunity Act (Regulation B)

Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least six (6) days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

Fair Credit Report Act (Regulation V)

Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

High-Cost, State & Local Anti-Predatory Regulations

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

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

California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

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

Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

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).

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

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

Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

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.

Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

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Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

Kansas Consumer Credit Code

Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

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.

Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et. seq., as amended from time to time.

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

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

Minnesota Mortgage Originator and Servicer Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

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

New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

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

New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

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

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; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

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

City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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.

Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

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

Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

Section 50(a)(6), Article XVI of the Texas Constitution

Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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.

Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003, to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

Washington House Bill 2770, Mortgage Lending Ownership

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

Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

Wyoming Credit Code

Flood Insurance Testing

National Flood Insurance Program (NFIP)

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

Homeowner’s Flood Affordability Act (HFIAA)

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fees for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

Loan is an extension of credit primarily for business, commercial or agricultural purposes

Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

Flood Insurance coverage for the residential real estate is provided by a policy that

Meets requirements

Provided by a condominium association, cooperative or other applicable group and

The premium for which is paid by the condominium association, cooperative, homeowners association, or other group as a common expense.

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Misrepresentation and Third-Party Review

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

Alerts: Assess credit report alerts for accuracy and potential issues.

Social Security Numbers: Compare SSN(s) across all file documents.

Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

Data Consistency: Review the documents contained in the loan file for consistency of data.

Third Party Fraud Tools: To the extent a third-party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

Independent Third-Party Values

Review each loan to determine whether a third-party valuation product was required and if required, that the third-party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products.

i) Consultant will perform the following steps.

Property is complete

Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

Property is described in average or better condition

No apparent appraiser independence violation statements

Appraisal addresses any adverse comments

Appraisal is completed on appropriate GSE Forms

Appraisal contains required attachments.

Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor does not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal. Consultant did not receive an attestation for any of the third party valuation products.

Value Review Disclaimer

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

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

Opus is not an Appraisal Management Company (“AMC”) and therefore does not opine on the actual value of the underlying property.

Opus is not a creditor within the meaning of the Equal Credit Opportunity Act (“ECOA”) or other lending laws and regulations, and therefore Opus will not have communications with or responsibility to any individual concerning property valuations.

Properties in FEMA declared disaster zones.

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

No apparent damage to the property

Property appears to be occupied

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DSCR Loan Review

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the “Underwriting Guidelines”) are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

Borrower Underwriting:

Borrower Liquidity: Review and confirm borrower’s liquidity position adheres to Underwriting Guidelines.

Credit / Background Check: Review and confirm that each guarantor and/or owner of the borrowing entity's requirements meet Underwriting Guidelines, including OFAC.

Property management questionnaire: Review the questionnaire to confirm management experience meets Underwriting Guidelines.

Borrowing Entity: Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits: Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

Permitted Loan Terms: Confirm the loan terms are eligible per the Underwriting Guidelines.

Property Requirements and Market Requirements: Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

DSCR—ensure components of Debt Service Coverage Ratio are identified correctly: Recalculation of DSCR

Title Insurance Requirements are met per Guidelines only as follows

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

Condominium Eligibility: Confirm Condo Master Policy is present and meets the Underwriting Guidelines

Property Insurance: Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

Preliminary/Commitment Title: Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

Credit Document Check

Loan Application: Verify the presence and completeness of both the initial and final loan applications.

Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that the file contains a verification of rent or a verification of mortgage form.

Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

Document Review

Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

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Page 12 of 19

Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

Verifying presence of a complete Certification of Non-Owner Occupancy.

Compliance

State and Local High Cost Mortgage regulations, including:

Cook County High Cost Ordinance

City of Chicago High Cost Ordinance

Anti-predatory lending laws, including:

Minnesota §58 on or after 8/1/2008

Virginia Lender and Broker Act after 6/1/2008

Data Compare

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

Borrower Self-Employment Flag

Interest Only Flag

Junior Lien Balance

Loan Purpose

Loan Type

Number of Units

Occupancy

Originator QM Status

Primary Appraised Property Value

Property Address

Property City

Property State

Property Type

Property Zip Code

Qualifying CLTV

Qualifying FICO

Qualifying Housing Debt Income Ratio

Qualifying Interest Rate

Qualifying Loan Amount

Qualifying LTV

Sales Price

Term

Rating Agency Grading Criteria

Fitch Ratings Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

Moody’s Investor Services Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody’s in their current industry publications as updated from time to time.

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Kroll Bond Rating Agency LLC Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

S&P Global Ratings Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor’s in their current industry publications and updated from time to time.

DBRS Morningstar Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

Opus Credit Grades

Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

Opus Property Grades

Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

Opus Compliance Grades

Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance, but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

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Pool Details

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Tape Discrepancies

Data Element	Count	Accuracy
Borrower 1 Last Name	3	95.31%
Interest Only Flag	2	96.88%
Qualifying FICO	1	98.44%
Total Number of Loans	64

Multiple Loans to One Borrower: TPR firm reviewed common identifiers for all loans in the population and confirmed there was one (1) obligor with multiple loans in the pool.

Property Inspection Waivers: No loans had a Property Inspection Waiver.

Loan Grading Definitions

Credit

S&P	Moody’s	Fitch	Kroll	DBRS	Definition
A	A	A	A	A	Loan conforms to all applicable guidelines, no conditions noted
B	B	B	B	B	Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors
C	C	C	C	C	The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors
D	D	D	D	D	The loan file is missing critical documentation required to perform the review

Compliance

S&P	Moody’s	Kroll	DBRS	Definition
A	A	A	A	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B	B	B	B	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist
C	C	C	C	The loan includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D	D	D	D	The loan file is missing critical documentation required to perform the review

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Page 16 of 19

Fitch	Definition
A	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B	The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented
C	The loan includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D	The loan file is missing critical documentation required to perform the review

Property Valuation

Moody’s	Fitch	Kroll	DBRS	Definition
A	A	A	A	Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	B	B	B	Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability
C	C	C	C	Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	D	D	D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

S&P	Definition
A	First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability
C	Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

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Page 17 of 19

Loan Review Findings

The following summarizes Consultant’s final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 14, 2026.

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Page 18 of 19

Loans Reviewed

(64 Loans)

110100021817	110100029736
110100022343	110100029789
110100022460	110100029828
110100023240	110100029831
110100024366	110100029885
110100025503	110100029941
110100026024	110100029955
110100026208	110100030016
110100027002	110100030098
110100027205	110100030148
110100027592	110100030302
110100027723	110100030362
110100027805	110100030409
110100028072	110100030630
110100028170	110100030659
110100028178	110100030660
110100028201	110100030720
110100028202	110100030801
110100028254	110100030825
110100028257	110100030861
110100028512	110100030929
110100028589	110100030949
110100028636	110100030988
110100028797	110100031006
110100028846	110100031069
110100029026	110100031241
110100029156	110100031299
110100029224	110100031306
110100029251	110100031742
110100029475	110100031789
110100029549	420200027679
110100029576	420200027827

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

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Page 19 of 19

ALT ID

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

400167436

XXXXXXX

XXXXXXXX

Closed

2026-05-28 07:35

2026-05-29 16:08

Resolved

1 - Information

Credit

Missing Doc

Missing Borrowing Entity of Evidence of Good Standing

Resolved-Finding resolved, as per client, investors accept GLs, as is, with no time restriction. - Due Diligence Vendor-05/29/2026
Ready for Review-Document Uploaded. See current evidence of Good Standing that was included with credit file.. shows XXX registered XX/XX/XXXX and it's dated XX/XX/XXXX.. uploaded again here.. please review and advise.. - Buyer-05/29/2026
Open-Missing Evidence of Good Standing. Evidence of Good Standing is expired. - Due Diligence Vendor-05/28/2026

We currently do not have a time restriction, and our investors accept our GLs. - 05/29/2026

Resolved-Finding resolved, as per client, investors accept GLs, as is, with no time restriction. - Due Diligence Vendor-05/29/2026

XXXXXXXXXX_XXXXXXXXXX - Certificate of Good Standing.pdf

Investment

Refinance

Cash Out - Other

9419061

N/A

400175673

XXXXXXX

XXXXXXXX

Closed

2026-06-09 07:56

2026-06-23 11:50

Waived

2 - Non-Material

Credit

Eligibility

Audited FICO is less than Guideline FICO

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/18/2026

Ready for Review-Document Uploaded. Please see exception approval. - Buyer-06/17/2026

Open-Audited FICO of 640 is less than Guideline FICO of 680 Lender's Guidelines state that if qualifying with US Credit, the minimum FICO score is 680; however, the lender qualified using the no credit score parameters. - Due Diligence Vendor-06/09/2026

XXXXXXXXXX_XXXXXX PCE.pdf

LTV > 10% below max,
DSCR > 1.25
Borrower is an experienced US investor.

Investment

Refinance

Cash Out - Other

9627254

Originator Post-Close

400167629

XXXXXXX

XXXXXXXX

Closed

2026-05-21 08:22

2026-05-27 11:14

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final Settlement Statement provided. Finding resolved. - Due Diligence Vendor-05/27/2026

Ready for Review-Document Uploaded. Upload final hud1 - Buyer-05/27/2026

Open-Final HUD-1 Document is Missing Reserve requirements will be re-reviewed upon receipt of the Final HUD-1/Settlement Statement. - Due Diligence Vendor-05/21/2026

Resolved-Final Settlement Statement provided. Finding resolved. - Due Diligence Vendor-05/27/2026

XXXXXXXXXX_XXXXXXXXXX final HUD.pdf

Investment

Refinance

Cash Out - Other

9321937

N/A

400161091

XXXXXXX

XXXXXXXX

Closed

2026-05-27 13:33

2026-06-05 10:46

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final SS provided.  Finding resolved. - Due Diligence Vendor-06/05/2026
Ready for Review-Document Uploaded. Hi please see attached for revised final SS showing title information  - Buyer-06/04/2026
Counter-The doc uploaded reflects different figures then the doc from the loan file and is not signed.   The document in file is signed; however, does not indicate who signed and the signatures do not match the Note.  This closing statement also has no title company information. Condition remains. - Due Diligence Vendor-06/01/2026
Ready for Review-Document Uploaded. Please see attached copy of confirmation of wire sent together with a copy of the final closing statement that was in my credit file thank u please clear :) - Buyer-05/30/2026
Counter-Please provide the attachment.  Thank you. - Due Diligence Vendor-05/29/2026
Ready for Review-Hi this is the Final Ss from Escrow from XX - Buyer-05/29/2026
Open-Final HUD-1 Document is Missing - Due Diligence Vendor-05/27/2026

Resolved-Final SS provided. Finding resolved. - Due Diligence Vendor-06/05/2026

XXXXXXXXXX_XXXXXXXXXX-Wire copy sent.pdf
XXXXXXXXXX_XXXXXXXXXX-Final SS.pdf
XXXXXXXXXX_XXXXXXXXXX-Final SS.pdf

Investment

Purchase

9404570

N/A

400160634

XXXXXXX

XXXXXXXX

Closed

2026-06-05 10:32

2026-06-08 10:34

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate lock provided. Finding resolved. - Due Diligence Vendor-06/08/2026

Ready for Review-Document Uploaded. Please see the upl doc - Buyer-06/08/2026

Open-Missing evidence of rate lock - Due Diligence Vendor-06/05/2026

Resolved-Rate lock provided. Finding resolved. - Due Diligence Vendor-06/08/2026

XXXXXXXXXX XXXX Rate Quote Business Purpose.pdf

Investment

Purchase

9582021

N/A

400160786

XXXXXXX

XXXXXXXX

Closed

2026-06-03 13:37

2026-06-09 09:08

Resolved

1 - Information

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Resolved-Received evidence of receipt and clearance of security deposit for use of higher lease amount, finding resolved. - Due Diligence Vendor-06/09/2026

Ready for Review-Document Uploaded. Please see the upl docs - Buyer-06/08/2026

Open-Audited DSCR of 0.983 is below guideline minimum of 1.15 Debt Service Coverage Ratio of 0.983% is below guideline minimum of 1.15% required for a cash-out refi with ownership < 6 months. The Lender qualified using the higher lease amount; however, the loan file is missing evidence of 1-month of receipt of lease amount or evidence of receipt of security deposit as required by guidelines. - Due Diligence Vendor-06/03/2026

Resolved-Received evidence of receipt and clearance of security deposit for use of higher lease amount, finding resolved. - Due Diligence Vendor-06/09/2026

XXXXXXXXXX XXXXXXXXXX Voided Check.pdf
XXXXXXXXXX XXXXXXXXXX Security Deposit Receipt.pdf

Investment

Refinance

Cash Out - Other

9539218

N/A

400167502

XXXXXXX

XXXXXXXX

Closed

2026-05-19 13:31

2026-05-20 16:38

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/20/2026
Ready for Review-Document Uploaded. AVM 2nd valuation was uploaded with Appraisal Report beginning on page 37. Uploaded again here.. - Buyer-05/20/2026
Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-05/19/2026

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-05/20/2026

XXXXXXXXXX_XXXXXXXXXX - AVM.pdf

Investment

Purchase

9282138

N/A

400167654

XXXXXXX

XXXXXXXX

Closed

2026-06-04 13:57

2026-06-17 11:34

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-Property defect resolved.  Finding cleared.  - Due Diligence Vendor-06/17/2026

Ready for Review-Document Uploaded. Please see  the upl doc  - Buyer-06/16/2026

Counter-Escalated.  per FNMA GLs Borrower attestation required with supporting evidence.  Supporting evidence provided.  Please supply a borrower attestation to replace the processor's to meet FNMA GLs on this topic. - Due Diligence Vendor-06/12/2026

Ready for Review-per UW - Push back and escalate to mgmt., this subj-to condition from the appraiser is just asking for the hole to be filled where the exposed pipe is at…this does not affect the safety, soundness, or structural integrity of the property. This falls in line w/smoke & C02 detectors, water heaters being double strapped, covering for wall outlet, etc…all can be cleared with borrower providing pics and lender cert. - Buyer-06/11/2026

Counter-GL Section 1.9.1.1.4 Existing Construction: When there are incomplete items or conditions that do affect the safety, soundness, or structural integrity of the property, the property must be appraised subject to completion of the specific alterations or repairs. These items can include inadequate electrical service or plumbing fixtures. In such cases, the underwriter must obtain a certificate of completion from the appraiser before the mortgage is delivered to HEM. Photos from the borrower and processor cert do not appear to meet the requirement.  Condition remains.  - Due Diligence Vendor-06/10/2026

Ready for Review-Document Uploaded. Please see the information  from the UW  - Buyer-06/09/2026

Open-Primary Value Subject Property Appraisal is not on an As-Is Basis The loan file contains a Processor Certification and photos indicating the repairs have been completed; however, the appraisal is still "subject to" repairs. - Due Diligence Vendor-06/05/2026

Resolved-Property defect resolved. Finding cleared. - Due Diligence Vendor-06/17/2026

XXXXXXXXXX XXXXXXXXXX uw information.pdf
XXXXXXXXXX XXXXXXXXXX Borrower Attestation.pdf

Investment

Refinance

Cash Out - Other

9563370

N/A

400161137

XXXXXXX

XXXXXXXX

Closed

2026-06-01 09:27

2026-06-09 16:08

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/01/2026

Primary Residence

Refinance

Cash Out - Other

9478750

Investor Post-Close

400167414

XXXXXXX

XXXXXXXX

Closed

2026-05-28 13:46

2026-06-10 06:51

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Loan qualifies under Cash Out with ownership < 6 months. Biz purpose affidavit in file, additional 6 mos reserve requirement met and DSCR > 1.15. Finding resolved. - Due Diligence Vendor-06/10/2026

Open-Missing Settlement Statement from purchase of subject property along with source of funds as required by guidelines for delayed financing. LTV will be recalculated upon receipt of Settlement Statement. - Due Diligence Vendor-05/28/2026

Investment

Refinance

Cash Out - Other

9430139

N/A

400175668

XXXXXXX

XXXXXXXX

Closed

2026-06-16 08:14

2026-06-17 11:39

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved-Final 1003 provided. Finding resolved. - Due Diligence Vendor-06/17/2026

Ready for Review-Document Uploaded. Loan App uploaded - Buyer-06/17/2026

Open-A final application for the subject transaction was not provided - Due Diligence Vendor-06/16/2026

Resolved-Final 1003 provided. Finding resolved. - Due Diligence Vendor-06/17/2026

XXXXXXXXXX_XXXXXXXXXX Loan App.pdf

Investment

Purchase

9764786

N/A

400167712

XXXXXXX

XXXXXXXX

Closed

2026-06-01 13:06

2026-06-04 12:00

Resolved

1 - Information

Credit

Missing Doc

Gift Documentation Incomplete

Resolved-Gift removed updated 1008 and 1003 received.  Finding resolved.  - Due Diligence Vendor-06/04/2026
Ready for Review-Document Uploaded. see attached updated 1003 and 1008 showing the gift of $XXX removed.  The gift funds for $XXX were never given.  Borrower had sufficient funds without this gift so it has been removed.
Borrower has verified funds of $XX,XXX.XX in their personal capital one accounts and $XXXX in verifiable gifts from family/relatives. =total of $XXX,XXX.XX verified funds.  Required $XXXX
- Buyer-06/03/2026
Open-Gift Documentation Incomplete. Provide evidence the gift funds in the amount of $XX,XXX were transferred to the borrower's account. The gift letter in file indicates the funds were transferred XX/XX/XXXX. Additional conditions may apply.  - Due Diligence Vendor-06/01/2026

Resolved-Gift removed updated 1008 and 1003 received. Finding resolved. - Due Diligence Vendor-06/04/2026

XXXXXXXXXX_XXXXXXXXXX - AMENDED 1008 AND 1003.pdf

Primary Residence

Purchase

9484460

N/A

400175571

XXXXXXX

XXXXXXXX

Closed

2026-06-08 09:06

2026-06-09 07:50

Resolved

1 - Information

Credit

Missing Doc

The Final 1003 is Missing

Resolved-Final 1003 provided. Finding resolved - Due Diligence Vendor-06/09/2026

Ready for Review-Document Uploaded. uploaded loan app - Buyer-06/08/2026

Open-Final application is missing - Due Diligence Vendor-06/08/2026

Resolved-Final 1003 provided. Finding resolved - Due Diligence Vendor-06/09/2026

XXXXXXXXXX XXXXX Commercial Loan App.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

9604983

N/A

400178801

XXXXXXX

XXXXXXXX

Closed

2026-06-17 08:56

2026-06-18 15:12

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-PUD rider information built into the Mortgage Deed as described by respondent. Finding resolved. - Due Diligence Vendor-06/18/2026

Ready for Review-Lightning Docs does not print condo/pud riders, they are built into the form. See page 19 of the Mortgage, sections 38 through 38.5. Please clear - Buyer-06/18/2026

Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-06/17/2026

Resolved-PUD rider information built into the Mortgage Deed as described by respondent. Finding resolved. - Due Diligence Vendor-06/18/2026

Investment

Purchase

9790241

N/A

400175466

XXXXXXX

XXXXXXXX

Closed

2026-06-12 10:06

2026-06-15 08:12

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-06/12/2026

Primary Residence

Refinance

Cash Out - Other

9717553

Investor Post-Close

400178796

XXXXXXX

XXXXXXXX

Closed

2026-06-19 10:29

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-06/19/2026

Primary Residence

Purchase

9844106

Investor Post-Close

400167505

XXXXXXX

XXXXXXXX

Closed

2026-06-11 15:39

2026-06-12 11:41

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/12/2026
Ready for Review-a CDA was uploaded XX/XX/XXXX - Buyer-06/12/2026
Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/11/2026

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-06/12/2026

Investment

Refinance

Cash Out - Other

9702562

N/A

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

ALT ID

Loan ID

Seller Loan ID

Investor Loan ID

Original Loan Amount

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

400160725

XXXXXXXX

$XXXXXX

400167644

XXXXXXXX

$XXXXXX

400167436

XXXXXXXX

$XXXXXX

400178893

XXXXXXXX

$XXXXXX

400175673

XXXXXXXX

$XXXXXX

400167629

XXXXXXXX

$XXXXXX

400167391

XXXXXXXX

$XXXXXX

400161128

XXXXXXXX

$XXXXXX

400167352

XXXXXXXX

$XXXXXX

400167386

XXXXXXXX

$XXXXXX

400161091

XXXXXXXX

$XXXXXX

400178885

XXXXXXXX

$XXXXXX

400160634

XXXXXXXX

$XXXXXX

400160829

XXXXXXXX

$XXXXXX

400167394

XXXXXXXX

$XXXXXX

400167395

XXXXXXXX

$XXXXXX

400167416

XXXXXXXX

$XXXXXX

400160771

XXXXXXXX

$XXXXXX

400160984

XXXXXXXX

$XXXXXX

400160786

XXXXXXXX

$XXXXXX

400160641

XXXXXXXX

$XXXXXX

400167542

XXXXXXXX

$XXXXXX

400167502

XXXXXXXX

$XXXXXX

400167545

XXXXXXXX

$XXXXXX

400167654

XXXXXXXX

$XXXXXX

400167599

XXXXXXXX

$XXXXXX

400167529

XXXXXXXX

$XXXXXX

400167457

XXXXXXXX

$XXXXXX

400161137

XXXXXXXX

$XXXXXX

400175539

XXXXXXXX

$XXXXXX

400178951

XXXXXXXX

$XXXXXX

400175670

XXXXXXXX

$XXXXXX

400167414

XXXXXXXX

$XXXXXX

400175523

XXXXXXXX

$XXXXXX

400167596

XXXXXXXX

$XXXXXX

400167419

XXXXXXXX

$XXXXXX

400167387

XXXXXXXX

$XXXXXX

400175517

XXXXXXXX

$XXXXXX

400175668

XXXXXXXX

$XXXXXX

400175482

XXXXXXXX

$XXXXXX

400175566

XXXXXXXX

$XXXXXX

400167712

XXXXXXXX

$XXXXXX

400175472

XXXXXXXX

$XXXXXX

400175525

XXXXXXXX

$XXXXXX

400178877

XXXXXXXX

$XXXXXX

400175659

XXXXXXXX

$XXXXXX

400175485

XXXXXXXX

$XXXXXX

400179078

XXXXXXXX

$XXXXXX

400175515

XXXXXXXX

$XXXXXX

400178880

XXXXXXXX

$XXXXXX

400175571

XXXXXXXX

$XXXXXX

400178908

XXXXXXXX

$XXXXXX

400178801

XXXXXXXX

$XXXXXX

400175640

XXXXXXXX

$XXXXXX

400175632

XXXXXXXX

$XXXXXX

400178866

XXXXXXXX

$XXXXXX

400179082

XXXXXXXX

$XXXXXX

400178870

XXXXXXXX

$XXXXXX

400175466

XXXXXXXX

$XXXXXX

400175474

XXXXXXXX

$XXXXXX

400179021

XXXXXXXX

$XXXXXX

400178796

XXXXXXXX

$XXXXXX

400167404

XXXXXXXX

$XXXXXX

400167505

XXXXXXXX

$XXXXXX

ALT 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 DTI/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?

400160725

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167644

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167436

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178893

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175673

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167629

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167391

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400161128

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167352

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167386

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400161091

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178885

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400160634

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400160829

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167394

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167395

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167416

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400160771

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400160984

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400160786

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400160641

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167542

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167502

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167545

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167654

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167599

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167529

XXXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.078

Yes

N/A

Yes

N/A

Yes

$XXXXXX

Yes

Employed

Not Employed

400167457

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400161137

XXXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.672

Yes

N/A

Yes

N/A

Yes

$XXXXXX

Yes

Employed

400175539

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178951

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175670

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400167414

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400175523

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167596

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400167419

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167387

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400175517

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175668

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175482

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175566

XXXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.473

Yes

N/A

Yes

N/A

Yes

$XXXXXX

N/A

Employed

400167712

XXXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.968

Yes

N/A

Yes

N/A

Yes

$XXXXXX

N/A

Employed

400175472

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175525

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178877

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175659

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175485

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400179078

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175515

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178880

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175571

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178908

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178801

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175640

XXXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.931

Yes

N/A

Yes

N/A

Yes

$XXXXXX

Yes

Employed

400175632

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400178866

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400179082

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178870

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175466

XXXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.726

Yes

N/A

Yes

N/A

Yes

$XXXXXX

N/A

Retired

400175474

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400179021

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178796

XXXXXXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.581

Yes

N/A

Yes

N/A

Yes

$XXXXXX

N/A

Employed

400167404

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167505

XXXXXXXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

ALT 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

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

400160725

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,731.22

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.007

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

692

400167644

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,153.13

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.672

1.67

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

698

400167436

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$5,395.47

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.131

1.195

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

725

400178893

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,231.51

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.076

1.075

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

666

400175673

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,895.51

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.409

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

XXXXXXX

XXXXX

XXXXXXX

680

400167629

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$5,347.89

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.739

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

760

400167391

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$11,357.47

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.271

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

759

400161128

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

7.125%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$8,015.21

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 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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

693

400167352

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.125%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$4,645.63

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.383

1.399

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

763

400167386

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,156.50

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.254

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

711

400161091

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,446.08

N/A

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.295

1.294

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

764

400178885

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$860.60

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.15

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

661

400160634

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$3,429.97

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.02

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

752

400160829

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$8,049.71

N/A

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.061

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

788

400167394

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$5,556.19

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.17

1.169

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

800

400167395

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$4,832.19

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.304

1.407

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

712

400167416

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$XXXXXXX

$0.00

$893.24

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.523

1.546

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

709

400160771

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$4,358.44

N/A

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.045

1.295

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

803

400160984

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$8,430.89

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.245

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

799

400160786

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,849.08

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.228

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

761

400160641

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,963.39

N/A

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

735

400167542

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,607.14

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.12

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

789

400167502

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,145.50

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.025

1.026

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

757

400167545

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,436.87

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.044

1.043

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

XXXXXXX

XXXXX

XXXXXXX

680

400167654

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,424.89

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.053

1.052

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

777

400167599

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,494.64

N/A

XXXXXXXX

$XXXXX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

755

400167529

XXXXXXXX

NQHEM 30 Yr Fixed Alt Doc-12 months bank statements

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.260%

Manual Underwriting

7.078%

6.875%

$XXXXXXX

$0.00

$5,066.22

$XXXXXXX

N/A

$0.00

49.77%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

712

400167457

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.750%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$5,823.71

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.088

1.087

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

756

400161137

XXXXXXXX

NQHEM 30 Yr Fixed ALT Doc

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.600%

Manual Underwriting

6.672%

6.500%

$XXXXXXX

$0.00

$14,359.81

$XXXXXXX

N/A

$0.00

43.05%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

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

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

763

400175539

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.875%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,587.96

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.951

1.943

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

682

400178951

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$XXXXXXX

$0.00

$1,464.41

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.021

1.02

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

745

400175670

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,156.62

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.21

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

694

400167414

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,410.25

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.418

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

723

400175523

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$3,212.75

N/A

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

641

400167596

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.125%

$XXXXXXX

$0.00

$1,006.80

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.341

1.34

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

735

400167419

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,992.31

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.431

1.43

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

751

400167387

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.375%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,782.41

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.078

1.052

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

711

400175517

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$XXXXXXX

$0.00

$5,025.43

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.008

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

796

400175668

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,302.91

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.151

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

744

400175482

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$6,259.33

N/A

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.751

0.752

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

778

400175566

XXXXXXXX

NQHEM 30 Yr Fixed ALT Doc IO

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.420%

Manual Underwriting

7.473%

7.125%

$XXXXXXX

$0.00

$2,662.76

$XXXXXXX

N/A

$0.00

31.19%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

Tax Preparer

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

707

400167712

XXXXXXXX

NQHEM 30 Yr Fixed ALT Doc

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.320%

Manual Underwriting

6.968%

6.750%

$XXXXXXX

$0.00

$5,570.89

$XXXXXXX

N/A

$0.00

27.31%

Employed

Self-Employed

1YR Business P&L

1 Month

N/A

Yes

N/A

0.00%

100.00%

N/A

Third-Party Prepared (Unaudited)

Borrower

Yes

XXXXXXX

N/A

Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2026, 2024 || Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

806

400175472

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$7,084.99

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.129

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

753

400175525

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

7.000%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,686.93

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.304

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

695

400178877

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$4,850.20

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.32

1.319

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

769

400175659

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.125%

$XXXXXXX

$0.00

$1,176.28

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.615

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

695

400175485

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.875%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,283.51

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.324

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

721

400179078

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.990%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,112.96

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.769

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

665

400175515

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$XXXXXXX

$0.00

$1,835.62

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.09

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

643

400178880

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.500%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$3,632.00

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.757

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

714

400175571

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.250%

$XXXXXXX

$0.00

$5,776.81

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.8

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

788

400178908

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$4,585.89

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.456

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

774

400178801

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,477.28

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.767

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

730

400175640

XXXXXXXX

NQHEM 30 Yr Fixed ALT Doc

XXXXXXX

XXXXXX

XXXXX

05/19/2026

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

0.000%

Manual Underwriting

7.931%

7.500%

$XXXXXXX

$0.00

$6,937.75

$XXXXXXX

N/A

$0.00

43.37%

Yes

Self-Employed

12 Month Bank Statement

1 Month

N/A

Yes

45.44%

100.00%

N/A

Borrower - Wage, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

685

400175632

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.500%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$2,961.09

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.013

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

706

400178866

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.375%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,632.45

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.008

1.007

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

740

400179082

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.875%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$3,671.25

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.498

1.46

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

757

400178870

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.000%

$XXXXXXX

$0.00

$2,124.62

Yes

XXXXXXXX

$XXXXX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.224

1.015

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

661

400175466

XXXXXXXX

NQHEM 30 Yr Fixed ALT Doc

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.420%

Manual Underwriting

7.726%

7.375%

$XXXXXXX

$0.00

$5,773.69

$XXXXXXX

N/A

$0.00

32.45%

Retired

Asset Depletion – Debt Ratio Calculation

N/A

Yes

60.0

N/A

0.00%

N/A

Borrower - Asset Depletion - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

677

400175474

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.500%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,488.01

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.008

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

768

400179021

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.750%

$XXXXXXX

$0.00

$1,796.79

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.391

1.36

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

768

400178796

XXXXXXXX

NQHEM 30 Yr Fixed ALT Doc

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.520%

Manual Underwriting

7.581%

7.500%

$XXXXXXX

$0.00

$9,725.64

$XXXXXXX

N/A

$0.00

18.69%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

Stocks/Bonds

N/A

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

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

690

400167404

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

10/28/2025

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$4,944.01

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.052

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

809

400167505

XXXXXXXX

DSCR

XXXXXXX

XXXXXX

XXXXX

05/19/2026

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.625%

$XXXXXXX

Yes

20.000%

$XXXXXXX

$0.00

$1,980.40

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.161

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

XXXXXXX

XXXXX

XXXXXXX

XX/XX/XXXX

765

ALT ID

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

ITIN Flag

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

Maturity Date

Borrower 1 Trust Name

Borrower 2 Trust Name

Borrower 3 Trust Name

Borrower 4 Trust Name

Delayed Financing Flag

Title Company Name

Settlement Agent Company

Neighborhood Location

Gift Funds

Gift Funds Percentage of Total Funds Required

400160725

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

27100.06

9.9

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Rural

400167644

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

40453.82

18.8

.00

0.0

71.73

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167436

Unknown

US Citizen

N/A

Other

Identification Card - not for federal purposes

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

5201.03

1.0

155500.39

28.8

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400178893

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

21507.26

9.6

70.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175673

Unknown

Foreign National

N/A

Passport

United Kingdom

XX/XX/XXXX

United Kingdom

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

163556.96

56.5

50.43

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Rural

400167629

Unknown

US Citizen

N/A

Enhanced Driver's License (XX, XX, XX, XX, XX)

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

103716.12

19.4

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXX

Urban

400167391

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

613978.94

54.1

613978.94

54.1

74.71

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400161128

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

233207.39

29.1

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167352

Unknown

US Citizen

N/A

Enhanced Driver's License (XX, XX, XX, XX, XX)

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Enhanced Driver's License (XX, XX, XX, XX, XX)

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

461291.37

99.3

70.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400167386

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

15551.65

13.4

104501.16

90.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400161091

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

218424.74

89.3

218424.74

89.3

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Rural

400178885

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

4326.01

5.2

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400160634

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

32796.05

9.6

32796.05

9.6

85.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Rural

400160829

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

77732.66

9.7

77732.66

9.7

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167394

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

517851.60

93.2

299264.03

53.9

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

Yes

87.30

400167395

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

24.99

0.0

177175.13

36.7

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167416

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

77147.39

86.4

75.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400160771

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

60956.32

14.0

60956.32

14.0

85.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

Yes

100.87

400160984

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

25.00

0.0

520545.02

61.7

62.83

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400160786

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

6524.33

2.3

36416.35

12.8

62.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400160641

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

25033.21

12.8

25033.21

12.8

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167542

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

15105.14

9.4

15105.14

9.4

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167502

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

Employment Authorization Document (I-821D)

XX/XX/XXXX

Fee Simple

N/A

9256.81

4.3

9256.81

4.3

80.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXX

Rural

400167545

Unknown

Foreign National

N/A

Passport

Honduras

XX/XX/XXXX

Honduras

XX/XX/XXXX

I-551 Stamp and Passport

XX/XX/XXXX

Fee Simple

N/A

.00

0.0

99272.65

69.1

65.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167654

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

120095.55

84.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167599

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

194190.85

77.8

72.94

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

Suburban

400167529

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

2640.51

0.5

2640.51

0.5

75.0

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167457

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

39653.71

6.8

39653.71

6.8

80.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400161137

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

865508.29

60.3

75.0

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175539

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

46662.11

29.4

46662.11

29.4

80.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400178951

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

27756.08

19.0

48603.24

33.2

70.0

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400175670

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

30809.26

26.6

30809.26

26.6

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400167414

Unknown

US Citizen

N/A

Passport

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

150889.59

107.0

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175523

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

7048.56

2.2

7048.56

2.2

56.63

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167596

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

93786.94

93.2

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400167419

Unknown

US Citizen

N/A

Enhanced Driver's License (XX, XX, XX, XX, XX)

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

21269.77

10.7

21269.77

10.7

77.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400167387

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

41954.15

15.0

41954.15

15.0

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175517

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

36046.91

7.2

36046.91

7.2

80.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXX

XXXXXXXX

XXXXXXXXX

XXXXXXX

Suburban

400175668

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

238133.17

182.8

238133.17

182.8

73.75

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175482

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

277104.20

44.3

277104.20

44.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175566

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

.00

0.0

37.42

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167712

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Permanent Resident Alien

Permanent Non-US Citizen

Real ID Driver's License

United States

XX/XX/XXXX

I-821D Employment Authorization Document (I-821-D)

XX/XX/XXXX

Fee Simple

N/A

50905.43

9.1

50905.43

9.1

80.0

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

58.14

400175472

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

348958.59

49.3

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175525

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

1252.63

0.7

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400178877

Unknown

US Citizen

N/A

Enhanced Driver's License (XX, XX, XX, XX, XX)

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Enhanced Driver's License (XX, XX, XX, XX, XX)

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

603123.90

124.4

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400175659

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

89440.44

76.0

37.04

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175485

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

159680.86

124.4

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400179078

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

42934.59

20.3

42934.59

20.3

65.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175515

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

7353.46

4.0

7353.46

4.0

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

Yes

50.31

400178880

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

191090.83

52.6

191090.83

52.6

68.94

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Rural

400175571

Unknown

US Citizen

N/A

Passport

United States

XX/XX/XXXX

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

17146.10

3.0

21385.09

3.7

79.95

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400178908

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

112542.73

24.5

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400178801

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

123730.98

50.0

123730.98

50.0

75.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175640

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

.00

0.0

75.0

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175632

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

5844.76

2.0

5844.76

2.0

80.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400178866

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

54948.50

33.7

54948.50

33.7

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400179082

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

330761.26

90.1

73.68

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400178870

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

47369.25

22.3

47369.25

22.3

70.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

Yes

102.42

400175466

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

1435912.99

248.7

1435912.99

248.7

74.79

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400175474

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

65044.74

43.7

65044.74

43.7

83.0

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400179021

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

57605.34

32.1

75.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

400178796

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

437072.03

44.9

437072.03

44.9

80.0

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167404

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

43803.41

8.9

43803.41

8.9

69.99

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Suburban

400167505

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

0.0

238345.61

120.4

70.0

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXXXXXX

XXXXXXX

Urban

ALT 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

400160725

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

99.32

1.007

2731.22

Yes

$XXXXX

0.8

N/A

9.92

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400167644

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

59.81

1.67

1.672

2153.13

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

4.3

N/A

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400167436

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1025

$XXXXXX

Appraisal - 1025

88.45

1.195

1.131

5395.47

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.4

N/A

28.82

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400178893

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Actual In Place Rent

92.98

1.075

1.076

2231.51

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

7.0

N/A

9.64

Vested Individual

XXXXXXX

N/A

Tenant

400175673

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

70.97

1.409

2895.51

$XXXXXX

Yes

$XXXXX

2.2

N/A

56.49

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400167629

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1025

$XXXXXX

Appraisal - 1025

57.5

1.739

5347.89

$XXXXXX

Yes

$XXXXX

2.2

N/A

19.39

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400167391

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Actual In Place Rent

78.65

1.271

11357.47

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

1.5

N/A

54.06

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400161128

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

95.7

1.045

8015.21

$XXXXXX

Yes

$XXXXX

4.2

N/A

29.1

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400167352

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1025

$XXXXXX

Actual In Place Rent

72.28

1.399

1.383

4645.63

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

9.2

N/A

99.3

Vested Individual

XXXXXXX

Vested Individual

XXXXXXX

N/A

Tenant

400167386

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

79.76

1.254

1156.5

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

90.36

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400161091

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXXX

XXXXXXX

57.30%

$XXXXXX

XXXXXXXX

Yes

77.24

1.294

1.295

2446.08

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

89.3

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Owner

400178885

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

71.72

1.194

1.15

860.6

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

2.3

N/A

5.22

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400160634

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

XXXXXXX

53.00%

$XXXXXX

Appraisal - 1007

1.02

3429.97

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

9.56

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Owner

400160829

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXXX

XXXXXXX

65.60%

$XXXXXX

AirDNA

Yes

94.26

1.01

1.061

8049.71

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

9.66

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Owner

400167394

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1025

$XXXXXX

Appraisal - 1025

85.48

1.169

1.17

5556.19

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

53.86

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400167395

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

76.7

1.407

1.304

4832.19

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

5.2

N/A

36.67

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400167416

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

65.68

1.546

1.523

893.24

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

7.8

N/A

86.37

Vested Individual

XXXXXXX

N/A

Tenant

400160771

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Short Term Rental

$XXXXXX

XXXXXXX

20.00%

$XXXXXX

AirDNA

Yes

95.68

1.295

1.045

4358.44

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

13.99

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Owner

400160984

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

80.29

1.245

8430.89

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

3.2

N/A

61.74

Vested Individual

XXXXXXX

Vested Individual

XXXXXXX

N/A

Tenant

400160786

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Actual In Place Rent

81.4

1.228

2849.08

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

12.78

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400160641

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

99.41

1.006

1963.39

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

12.75

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400167542

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

89.29

1.12

1607.14

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.3

N/A

9.4

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400167502

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

97.52

1.026

1.025

2145.5

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

4.31

Vested Individual

XXXXXXX

N/A

Tenant

400167545

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Actual In Place Rent

95.79

1.043

1.044

1436.87

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

4.0

N/A

69.09

Vested Individual

XXXXXXX

N/A

Tenant

400167654

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

94.99

1.052

1.053

1424.89

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

84.28

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400167599

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Actual In Place Rent

99.79

1.002

2494.64

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

21.9

N/A

77.84

Vested Individual

XXXXXXX

N/A

Tenant

400167457

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1025

$XXXXXX

Appraisal - 1025

91.93

1.087

1.088

5823.71

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

6.81

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400175539

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Short Term Rental

$XXXXXX

XXXXXXX

64.30%

$XXXXXX

AirDNA

Yes

51.26

1.943

1.951

1587.96

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

29.38

Vested Individual

XXXXXXX

N/A

Vacant

400178951

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

97.95

1.02

1.021

1464.41

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.7

N/A

33.19

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400175670

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

82.62

1.21

1156.62

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

26.64

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400167414

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

70.51

1.418

1410.25

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

107

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400175523

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

91.79

1.089

3212.75

$XXXXXX

XX/XX/XXXX

N/A

$XXXXX

0.2

N/A

2.19

Vested Individual

XXXXXXX

N/A

Vacant

400167596

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

74.58

1.34

1.341

1006.8

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

93.15

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400167419

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

69.91

1.43

1.431

1992.31

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

10.68

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400167387

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

92.75

1.052

1.078

2782.41

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.9

N/A

15.03

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400175517

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXXX

XXXXXXX

68.10%

$XXXXXX

AirDNA

Yes

99.2

1.008

5025.43

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

7.17

Vested Individual

XXXXXXX

Vested Individual

XXXXXXX

N/A

Vacant

400175668

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

86.86

1.151

1302.91

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

182.77

Vested Individual

XXXXXXX

N/A

Vacant

400175482

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

133.18

0.752

0.751

6259.33

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

44.27

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400175472

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

88.56

1.129

7084.99

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

6.3

N/A

49.25

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400175525

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Actual In Place Rent

76.68

1.304

1686.93

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.3

N/A

0.74

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400178877

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1025

$XXXXXX

Appraisal - 1025

75.78

1.319

1.32

4850.2

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

1.1

N/A

124.35

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400175659

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Actual In Place Rent

61.91

1.615

1176.28

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

8.8

N/A

76.04

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400175485

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

75.5

1.324

1283.51

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

124.41

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400179078

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

130.03

0.769

2112.96

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

20.32

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400175515

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

91.78

1.089

1.09

1835.62

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

4.01

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400178880

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

132.07

0.757

3632

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

52.61

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400175571

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1025

$XXXXXX

Appraisal - 1025

55.55

1.8

5776.81

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.2

N/A

3.7

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400178908

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1025

$XXXXXX

Appraisal - 1025

68.7

1.456

4585.89

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

6.2

N/A

24.54

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400178801

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

130.38

0.767

2477.28

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

49.95

Vested Individual

XXXXXXX

N/A

Vacant

400175632

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1025

$XXXXXX

Appraisal - 1025

98.7

1.013

2961.09

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

1.97

Vested Individual

XXXXXXX

N/A

Vacant

400178866

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

99.24

1.007

1.008

1632.45

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

33.66

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

400179082

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1007

$XXXXXX

Actual In Place Rent

66.75

1.46

1.498

3671.25

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.3

N/A

90.09

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400178870

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

81.72

1.015

1.224

2124.62

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

22.3

Vested Individual

XXXXXXX

N/A

Vacant

400175474

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

99.2

1.008

1488.01

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.0

N/A

43.71

Vested Individual

XXXXXXX

N/A

Vacant

400179021

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1025

$XXXXXX

Actual In Place Rent

71.87

1.36

1.391

1796.79

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

0.3

N/A

32.06

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400167404

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

Appraisal - 1025

$XXXXXX

Actual In Place Rent

95.08

1.052

4944.01

$XXXXXX

XX/XX/XXXX

$XXXXXX

XX/XX/XXXX

Yes

$XXXXX

5.5

N/A

8.86

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Tenant

400167505

XXXXXXX

XXXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

Appraisal - 1007

$XXXXXX

Appraisal - 1007

86.1

1.161

1980.4

Yes

$XXXXX

0.5

N/A

120.35

Yes

XXXXXXXXX

Individual Guarantor

XXXXXXX

Yes

Full Recourse

XXXXXXXXX

Vacant

ALT 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

400160725

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167644

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

71.73

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167436

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400178893

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175673

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

50.43

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

1.5

XX/XX/XXXX

400167629

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400167391

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

74.71

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400161128

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400167352

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400167386

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

2.2

XX/XX/XXXX

400161091

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400178885

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

70.0

$XXXXXX

-.0208

Desk Review

$XXXXXXX

-.0208

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400160634

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

85.0

$XXXXXX

-.0260

AVM

$XXXXXX

-.0260

98.0

0.02

XXXXXXX

Other

XX/XX/XXXX

400160829

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400167394

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167395

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167416

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400160771

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

85.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400160984

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

62.83

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400160786

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

62.9

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400160641

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400167542

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400167502

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

-.0351

AVM

$XXXXXX

-.0351

98.0

0.02

XXXXXXX

Other

XX/XX/XXXX

400167545

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

65.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167654

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167599

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

72.94

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167529

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400167457

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400161137

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175539

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

2.5

XX/XX/XXXX

400178951

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1073 Individual Condo Report

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

1.8

XX/XX/XXXX

400175670

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400167414

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400175523

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

56.63

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

1.8

XX/XX/XXXX

400167596

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167419

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

77.1

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400167387

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400175517

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175668

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

73.75

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175482

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175566

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

37.42

$XXXXXX

-.0255

AVM

$XXXXXX

-.0255

94.0

0.06

XXXXXXX

ClearAVM

XX/XX/XXXX

400167712

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

2.1

XX/XX/XXXX

400175472

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175525

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400178877

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175659

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

37.04

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

1.1

XX/XX/XXXX

400175485

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400179078

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

65.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

2.1

XX/XX/XXXX

400175515

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

2.4

XX/XX/XXXX

400178880

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

68.94

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400175571

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

79.95

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low risk

XX/XX/XXXX

400178908

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400178801

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175640

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400175632

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400178866

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400179082

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1073 Individual Condo Report

XXXXXXX

$XXXXXX

73.68

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400178870

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

70.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400175466

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

74.79

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400175474

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

83.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400179021

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

75.0

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

400178796

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

80.0

$XXXXXX

0.0

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400167404

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXXXX

$XXXXXX

69.99

$XXXXXX

0.0

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Low Risk

XX/XX/XXXX

400167505

XXXXXXXX

XX/XX/XXXX

$XXXXXX

$XXXXXXX

XX/XX/XXXX

1004 URAR

XXXXXXX

$XXXXXX

70.0

$XXXXXX

$XXXXXXX

$XXXXXX

.0000

Desk Review

$XXXXXXX

.0000

XXXXXXXX

Moderate Risk

XX/XX/XXXX

ALT ID	Loan ID	Seller Loan ID	Investor Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value	Comment
400178885	XXXXXXX			XXXXXXX	Borrower 1 Last Name	notePage	XXXXXXX	XXXXXX	Audit Value Pulled From Note
400160786	XXXXXXX			XXXXXXX	Interest Only Flag	notePage	Yes	120	Audit value pulled from Note
400167542	XXXXXXX			XXXXXXX	Qualifying FICO	creditLiabilitiesPage	789	790	Audit value based on lender qualifying requirements.
400167545	XXXXXXX			XXXXXXX	Borrower 1 Last Name	notePage	XXXXXXX	XXXXXX	Audit value pulled from Note
400175482	XXXXXXX			XXXXXXX	Interest Only Flag	notePage	Yes	120	Audit Value Pulled From Note.
400178801	XXXXXXX			XXXXXXX	Borrower 1 Last Name	notePage	XXXXXXX	XXXXXX	Audit Value Pulled From Note.