Rating Agency Grades
Run Date - 8/25/2026 1:55:02 PM
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
AMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Deal Number
Original Loan Amount
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
DBRS
Fitch
Kroll
Moody's
S&P
Morningstar
XXXX
1
XXXX
      
C
C
C
C
CC
C
C
C
C
C
RC
C
A
A
A
A
VA
A
C
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
B
B
B
B
B
B
XXXX
2
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
3
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
4
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
5
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
6
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
7
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
8
XXXX
      
C
C
C
C
C
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
9
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
10
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
11
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
12
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
13
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
14
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
15
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
16
XXXX
      
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
17
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
18
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
19
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
20
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
21
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
22
XXXX
      
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
23
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
24
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
25
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
26
XXXX
      
B
B
B
B
B
  
B
B
B
B
B
  
C
C
C
C
C
  
C
C
C
C
C
  
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
27
XXXX
      
C
C
C
C
C
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
28
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
29
XXXX
      
B
B
B
B
B
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
30
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
31
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
32
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
33
XXXX
      
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
34
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
D
D
D
D
D
  
D
D
D
D
D
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
35
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
36
XXXX
      
C
C
C
C
C
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
37
XXXX
      
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
38
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
39
XXXX
      
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
40
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
41
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
42
XXXX
      
B
B
B
B
B
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
43
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
44
XXXX
      
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
45
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
46
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
47
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
48
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
49
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
50
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
51
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
52
XXXX
      
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
53
XXXX
      
C
C
C
C
C
  
B
B
B
B
B
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
54
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
55
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
56
XXXX
      
A
A
A
A
A
  
C
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B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
115
XXXX
      
B
B
B
B
B
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
116
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
117
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
118
XXXX
      
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
119
XXXX
      
C
C
C
C
C
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
120
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
121
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
122
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
123
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
124
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
125
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
126
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
127
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
128
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
129
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
130
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
131
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
132
XXXX
      
C
C
C
C
C
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
133
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
134
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
135
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
136
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
137
XXXX
      
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
138
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
139
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
140
XXXX
      
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
141
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
142
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
143
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
144
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
145
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
146
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
147
XXXX
      
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
148
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
149
XXXX
      
C
C
C
C
C
  
B
B
B
B
B
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
150
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
151
XXXX
      
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
C
C
C
C
C
  
A
A
A
A
A
  
B
B
B
B
B
  
A
A
A
A
A
  
B
B
B
B
B
  
XXXX
152
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
XXXX
153
XXXX
      
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  
A
A
A
A
A
  


Exception Grades
Run Date - 8/25/2026 1:55:02 PM
SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Loan Exception ID
Exception ID
Exception Date
Exception Type
Exception Category
Exception Subcategory
15E Category
Exception
Exception Detail
Exception Information
Compensating Factors
Compensating Factor Information
Applying Party
Follow-up Comments
Cleared Date
Cured Date
Waived Date
Waived with Regrade
Exception Level Grade
DBRS Initial Exception Rating
DBRS Final Exception Rating
Fitch Initial Exception Rating
Fitch Final Exception Rating
Kroll Initial Exception Rating
Kroll Final Exception Rating
Moody's Initial Exception Rating
Moody's Final Exception Rating
S&P Initial Exception Rating
S&P Final Exception Rating
Note Date
Property State
Occupancy
Purpose
Exception Remediation
Overall
Initial Loan Grade
Overall
Final Loan Grade
Credit
Initial Loan Grade
Credit
Final Loan Grade
Compliance
Initial Loan Grade
Compliance
Final Loan Grade
Property
Initial Loan Grade
Property
Final Loan Grade
Originator QM ATR Status
TPR QM ATR Status
Is Curable
XXXX
1
XXXX
  
XXXX
    
Credit
Insurance
Insurance Analysis
Insurance
Hazard Insurance Policy expires within [redacted] days of the Note Date.
  
The homeowner's insurance declarations page in the file verified effective dates of [redacted] to [redacted].  The policy expires within [redacted] days of the note date and a copy of the updated policy or declarations page is required, per the guidelines.
   
Reviewer Comment(XXXX-XX-XX): Seller provided a copy of the renewal policy.
 
XX/XX/XXXX
    
No
1
B
A
B
A
B
A
B
A
B
A
  
XX
Primary
Refinance - Rate/Term
  
C
B
C
B
C
B
A
A
Safe Harbor QM
Safe Harbor QM
No
XXXX
1
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. (Final/[redacted])
Evidence of earlier borrower receipt was not found in file.  Note: the file only contained a copy of the final CD issued [redacted] and executed [redacted].
   
Reviewer Comment(XXXX-XX-XX): Seller provided proof of the borrowers receipt of the initial CD.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Rate/Term
No Defined Cure
C
B
C
B
C
B
A
A
Safe Harbor QM
Safe Harbor QM
No
XXXX
1
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID non-compliant: Fees were not reflected in the correct section of the disclosure.
  
The final CD disclosed all title fees in section C (Services Borrower Shopped For); however the fees were payable to a provider that was disclosed on the Settlement Service Provider list and should have been disclosed in section B (Services Borrower Did Not Shop For).  Provide a post-close CD moving the title fees to the correct section and a copy of the letter of explanation sent to the borrowers disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): Seller provided post-close CD moving the fees to the correct section.
 
XX/XX/XXXX
  
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Refinance - Rate/Term
Good Faith Redisclosure
C
B
C
B
C
B
A
A
Safe Harbor QM
Safe Harbor QM
No
XXXX
1
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID
TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans
TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/[redacted])
The Contact Information section of the final CD did not disclose the Lender's Contact or Contact's NMLS ID.  Provide a post-close CD correcting the section and a copy of the letter of explanation to the borrower disclosing the changes made or an attestation from the lender stating that no individual contact was used on the transaction.
   
Reviewer Comment(XXXX-XX-XX): Seller provided an attestation that no individual contact was used on this Third Party transaction.
 
XX/XX/XXXX
    
No
1
B
A
B
A
B
A
B
A
B
A
  
XX
Primary
Refinance - Rate/Term
Letter of Explanation & Corrected Closing Disclosure
C
B
C
B
C
B
A
A
Safe Harbor QM
Safe Harbor QM
No
XXXX
1
XXXX
  
XXXX
    
Credit
Insurance
Insurance Analysis
Insurance
Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
The file was missing a copy of the homeowner's insurance declarations page or policy identifying the lender as the loss payee.  Note: the file contained a binder that reflected the lender as the loss payee; however binders are not acceptable per the guidelines.
   
Reviewer Comment(XXXX-XX-XX): Seller provided a copy of the [redacted] page verifying the loss payee.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Rate/Term
  
C
B
C
B
C
B
A
A
Safe Harbor QM
Safe Harbor QM
No
XXXX
1
XXXX
  
XXXX
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
The final CD disclosed a principal reduction/curtailment of $[redacted]  Per the guidelines, loans with principal curtailments are ineligible for purchase.
[redacted]% DTI on this full documentation loan < [redacted]% guideline max - [redacted]% below program guideline maximum
 
[redacted] representative FICO score >[redacted] guideline minimum -[redacted] points above guideline minimum
 
Reviewer Comment(XXXX-XX-XX): Client elected to waive the condition
 
 
XX/XX/XXXX
No
2
  
B
  
B
  
B
  
B
  
B
  
XX
Primary
Refinance - Rate/Term
  
C
B
C
B
C
B
A
A
Safe Harbor QM
Safe Harbor QM
No
XXXX
3
XXXX
  
XXXX
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
  
B
  
B
  
B
  
B
  
B
  
XX
Primary
Purchase
  
A
B
A
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
4
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Lender Title insurance  fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received valid rebuttal comment with Final settlement statement, Letter of explanation and Corrected Closing disclosure.
 
 
Buyer Comment(XXXX-XX-XX): For additional transparency, we have also provided the ALTA Settlement Statement, which likewise reflects the fees separately as a $[redacted]endorsement fee and a $[redacted]lender's title policy premium. This documentation supports the CD Addendum while also confirming that the final CD combined the two amounts into a single disclosed fee of $[redacted].
 
When the fees were moved from Section B to Section C to cure this exception, we intentionally maintained the combined $[redacted]amount rather than separating the fees. This approach preserves consistency with the final CD executed at closing and avoids creating a discrepancy between the original and corrected disclosures.
 
The fact that the lender's title policy fee is disclosed as $[redacted]confirms that it includes the $[redacted]endorsement fee, just as it did on the final CD executed at closing. The ALTA is being provided solely for transparency and to demonstrate how the combined amount is comprised. We do not believe it is necessary to separately disclose the endorsement fee in the corrected disclosure, as it was not separately disclosed on the final CD.
 
Accordingly, we believe the redisclosure package accurately reflects the transaction by moving the combined $[redacted]fee to Section C. The disclosure remains accurate, consistent with the executed closing documents, and does not present a material disclosure issue.
 
 
Reviewer Comment(XXXX-XX-XX): Please provide Final ALTA settlement statement for review.
 
 
Buyer Comment(XXXX-XX-XX): Our system incorrectly added the endorsement fee during the redisclosure. The fee has since been removed, the Total of Payments (TOP) is back in compliance, and the applicable fees were moved from Section B to Section C to resolve the [redacted]% tolerance violation. The subsequent redisclosure corrects all outstanding issues, and proof of delivery has been attached. Please use this documentation to clear and close the exception.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received Letter of explanation and Corrected Closing disclosure. However, the title endorsement fee of $[redacted]added is in section B of post CD dated [redacted]. Also, the fee was not payable to same as other title fees are paid. Fee cannot be re-baselined for increase/added of fee post-closing by a COC. Please provide cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check
 
 
Buyer Comment(XXXX-XX-XX): Please see the redisclosure attached where the Title Fees were moved from section B to section C to remedy
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
4
XXXX
  
XXXX
    
Compliance
Compliance
State Compliance
State Defect
South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not Signed by All Borrowers)
[redacted] Home Loan:  Receipt of SC Complaint Agency Disclosure specifying the agency designated to receive complaints or inquiries about the origination and making of the loan acknowledged by one borrower, but not all borrowers on the transaction.
     
Buyer Comment(XXXX-XX-XX): Seller acknowledges exception, no change in grading
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
"Within forty-five days of the loan closing and before the institution of an action pursuant to this article, the lender notifies the borrower of the compliance failure, makes appropriate restitution, and makes necessary adjustments to the loan to make the consumer home loan satisfy the requirements of Section 37-23-70, 37-23-75, or 37-23-80
 
Provide copy of LOE to borrower notifying consumer of error, provide copy of disclosure signed by all consumers, and proof of mailing within 45 days of consummation."
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
8
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure. This exception will be cleared when all QM-related exceptions are cleared.
   
Reviewer Comment(XXXX-XX-XX): Final CD provided to confirm bridge loan
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final cd
 
XX/XX/XXXX
    
No
1
B
A
C
A
B
A
C
A
B
A
  
XX
Primary
Purchase
Lender to provide updated ATR/QM status
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
8
XXXX
  
XXXX
    
Credit
Asset
Asset Calculation / Analysis
Asset
Guideline Requirement: Available for Reserves discrepancy.
Reserves were insufficient because the source document for the bridge loan was not provided. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Final CD for bridge loan was provided.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final cd
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
8
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
   
Reviewer Comment(XXXX-XX-XX): Final CD provided to confirm bridge loan
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final cd
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
8
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
The file is missing the fully executed final closing statement for the bridge loan. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Closing disclosure received. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached final CD.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
8
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
The Title-CPL fee was added without a valid change in circumstance. The fee was incorrectly labeled as a Title-Travel Fee on the loan estimates. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached redisclosure package curing the additional amount added after our first cure.
 
 
Reviewer Comment(XXXX-XX-XX): Upon review of available documentation, the Title - CPL Fee in the amount of $[redacted]was added to the final CD. No VCC was located that explained the addition of the fee. Remediation documentation was provided indicating a cure of $[redacted]. This remediation package is short $[redacted]to complete cure.  Cure requires New PCCD, LOE, Copy of new refund check in the amount of $[redacted]proof of mailing to cure.
 
 
Buyer Comment(XXXX-XX-XX): Please see redisclosure package cured to exception information.
 
 
Reviewer Comment(XXXX-XX-XX): Updated Exception Information to match Exception Detail:  The Title-CPL fee was added without a valid change in circumstance. The fee was incorrectly labeled as a Title-Travel Fee on the loan estimates. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted]a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received the corrected PCCD, Letter of Explanation, mailing label, and a copy of the $[redacted]refund check. However, the CPL fee was added on final CD in the amount of $[redacted]and exceeded the applicable tolerance by $[redacted], and the cure amount reflected on the PCCD is insufficient to fully resolve this exception. Therefore, an additional cure of $[redacted], along with the supporting cure documentation, is required to clear the exception.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached redisclosure package.
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
10
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
The file is missing the fully executed Final Closing Statement for the sale of REO property located on [redacted]to verify the total net equity received and that all liens are paid and closed.  Additionally Fincal CD or settlement statement is missing for sale of [redacted].  Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Received the fully executed Final Closing Statement for the sale of the REO property at [redacted]E [redacted]. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final ALTA for [redacted] and the agreement for [redacted].
 
 
Reviewer Comment(XXXX-XX-XX): Settlement statement for [redacted] property was provided. Documentation for sale of [redacted] is still missing. Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final ALTA.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
14
XXXX
  
XXXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
The file is missing the Insurance verification for this property. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Provided Hazard Insurance Document. Exception Cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please seea ttached HOI for this property.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
15
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Title - Settlement/Closing/Escrow Fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received corrected PCCD and LOE moving title fees to borrower did not shop for section.
 
 
Buyer Comment(XXXX-XX-XX): please see attached
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
16
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Buyer Comment(XXXX-XX-XX): seller accepts; no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
20
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Fee was not disclosed on the Loan Estimate but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing.
 
 
Buyer Comment(XXXX-XX-XX): Please see the cure redisclosure attached. It was mailed today
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]Received Valid COC dated [redacted] along with supporting comments on the exception; however, Appraisal review fee was paid by lender on CD dated [redacted] and later changed to paid by borrower on CD dated [redacted]. Provide detailed information, why fee is changed to borrower paid from lender paid or cure is due. Cure consists of PCCD, LOE, Refund Check and Proof of Mailing.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached CIC for the addition of the $[redacted]appraisal review
fee. The CU score was over [redacted]which means a CDA was needed. The attached
is a screen shot from our internal underwriting system showing the CIC and
confirming when the CIC occurred. Please review to clear this condition.
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
21
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Loan Estimate Timing
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application.
Verification of earlier borrower receipt of the initial Loan Estimate is missing from the file.
   
Reviewer Comment(XXXX-XX-XX): Initial LE was provided to satisfy exception.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached initial loan estimate.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
22
XXXX
  
XXXX
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
       
Reviewer Comment(XXXX-XX-XX): Received final title policy with correct coverage.  Exception cleared.
 
XX/XX/XXXX
    
No
1
A
A
A
A
A
A
A
A
A
A
  
XX
Primary
Purchase
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
22
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
       
Reviewer Comment(XXXX-XX-XX): Received final title policy with correct coverage.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final title policy.
 
XX/XX/XXXX
    
No
1
B
A
B
A
B
A
B
A
B
A
  
XX
Primary
Purchase
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
23
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted]([redacted]) business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received earliest receipt of final LE.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
25
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
25
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Loan Estimate Timing
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application.
Please provide the Loan Estimate issued on [redacted] per the Evidentiary Document.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received initial LE dated [redacted]
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached initial loan estimate.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
26
XXXX
  
XXXX
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.
-
     
Reviewer Comment(XXXX-XX-XX): Received Final [redacted]Document. Exception Cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached confirming the pool was fenced
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
B
B
B
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
26
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
B
B
B
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
26
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
B
B
B
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
26
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Buyer Comment(XXXX-XX-XX): Seller acknowledges the exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
B
B
B
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
26
XXXX
  
XXXX
    
Property
Property - Appraisal
Property Eligibility - Site and Utilities
Property - Appraisal
Subject property contains apparent environmental, health and/or safety problems notated by appraiser or visible on photo.
The pool does not have water and is a safety hazard
   
Reviewer Comment(XXXX-XX-XX): Inspection confirms pool was fenced in to solve safety issue with pool.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached confirming the pool was fenced
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
B
B
B
B
C
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
27
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: Verification of Non-US Citizen Status not provided
Please provide a copy of a Resident Alien Card, Employment Authorization, Visa, or Passport for the borrower, as the borrower is a permanent resident alien.
   
Reviewer Comment(XXXX-XX-XX): Received Resident Alien Card. Exception Cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the borrowers perm resident card attached
 
 
Reviewer Comment(XXXX-XX-XX): The borrower changed and initialed the final loan application to indicate Permanent Resident Alien.  Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Borrower identified himself as a [redacted]citizen, with a SSN. What documentation do you have to confirm he is not?
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
27
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold.  Disclosed Amount Financed on page [redacted]is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]).
Finance variance due to the $[redacted]Appraisal Management fee.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing.
 
 
Buyer Comment(XXXX-XX-XX): Please see evidence UPS has the package and it is scheduled for delivery today at noon
 
 
Reviewer Comment(XXXX-XX-XX): Unable to complete cure at this time, as courier is not in possession of remediation package.
 
 
Buyer Comment(XXXX-XX-XX): please see the cure redisclosure pkg attached
 
 
Reviewer Comment(XXXX-XX-XX): Noting to the client that this variance is not due to the AMC fee, it's due to the notary/signing fee in Section H.
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
27
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File
TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted]may be required.
The file was missing evidence of all Loan Estimates issued to the borrower. Please provide all Loan Estimates for review.
   
Reviewer Comment(XXXX-XX-XX): [redacted]Received copy of Initial LE dated[redacted]
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached loan estimate.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
27
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Copy Or Fax Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Missing a Loan Estimate to determine accurate fee testing. All fees considered paid to a vendor on the SSPL until documentation is provided.
   
Reviewer Comment(XXXX-XX-XX): [redacted]Received copy of Initial LE dated [redacted]
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached loan estimate.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
C
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
29
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Loan Estimate Timing
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application.
Please provide the Loan Estimate that was issued on [redacted]as reflected on the Evidentiary Document.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received [redacted] initial LE within [redacted]business days of application.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached initial LE
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
29
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Buyer Comment(XXXX-XX-XX): Seller acknowledges the exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
33
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
33
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
33
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
33
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
34
XXXX
  
XXXX
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Loan is to be securitized. Secondary  valuation is missing. Sec ID: [redacted]
The file is missing the secondary valuation required for securitization purposes.
   
Reviewer Comment(XXXX-XX-XX): Provided CDA document. Exception Cleared.
 
 
Buyer Comment(XXXX-XX-XX): See Pg [redacted]of the loan file. Please cancel this exception
 
XX/XX/XXXX
    
No
1
D
A
D
A
D
A
D
A
D
A
  
XX
Primary
Purchase
  
D
A
A
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
34
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Loan Estimate Timing
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application.
Application date of [redacted]. Earliest Loan Estimate dated [redacted].
   
Reviewer Comment(XXXX-XX-XX): [redacted] Received copy of Initial loan estimate dated [redacted].
 
 
Buyer Comment(XXXX-XX-XX): Please see attached initial LE dated [redacted]
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
D
A
A
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
34
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee was added with the [redacted] Closing Disclosure. No valid Change of Circumstance (COC) was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure (CD) disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]Received COC dated [redacted] along with supporting comments on the exception.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached CIC for the addition of the CDA fee. The CU score over [redacted]as per the SSR report provided confirm a CDA was needed. The fee was disclosed within the required time. SSR provided was dated [redacted]
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
D
A
A
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
34
XXXX
  
XXXX
    
Property
Property - Appraisal
Appraisal Documentation
Property - Appraisal
Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.
-
Appraisal is subject to repairs, and final inspection was not provided.
   
Reviewer Comment(XXXX-XX-XX): [redacted]Completion document received. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached confirming the repairs were completed
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
D
A
A
A
C
A
D
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
36
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
Compliance
Buydown Subsidy Collected Less Than Buydown Terms - Buydown Terms Not Considered
Total Buydown Amount collected on HUD/CD $[redacted]does not match Buydown Subsidy of $[redacted]required per terms of Buydown Agreement Payment Schedule.  Additional subsidy may be required to meet terms of buydown agreement.  Any discrepancy may impact validity of compliance points and fees findings.
The final Closing Disclosure does not reflect the Buydown terms.
   
Reviewer Comment(XXXX-XX-XX): Loan closed without temporary buydown
 
 
Buyer Comment(XXXX-XX-XX): Please see attached, Email conversation with the borrower confirming they chose not to move forward with the buydown. The credits were still applied to the loan. No violation occured.
 
 
Reviewer Comment(XXXX-XX-XX): Changed Circumstance removed Buydown from fees on [redacted] however, borrower signed a buydown agreement on [redacted].  Additional clarification is needed to confirm buydown agreement was cancelled.
 
 
Buyer Comment(XXXX-XX-XX): Please review borrower paystub which reflects borrower normal bonus income amounts, which they do have history of as they received it each year. [redacted] should be re-reviewed.
 
 
Buyer Comment(XXXX-XX-XX): Please see valid CIC on [redacted], on the date which the product changed, and the buydown was removed.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
36
XXXX
  
XXXX
    
Credit
Asset
Asset Calculation / Analysis
Asset
Guideline Requirement: Available for Reserves discrepancy.
Reserves were insufficient due to missing the verification of Earnest Money Deposit of $[redacted]. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Wire confirmation confirms EMD paid to title company.  Sufficient reserves have been documented.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached EMD doc.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
36
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to missing asset documentation and excessive ratios.
   
Reviewer Comment(XXXX-XX-XX): Historical Bonus over previous two years plus borrowers guaranteed retention bonus which is at minimum $[redacted]/month supports qualifying income used for bonus.  There is no issue with DTI exceeds guideline thresholds.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please review borrower paystub which reflects borrower normal bonus income amounts, which they do have history of as they received it each year. [redacted] should be re-reviewed.
 
 
Reviewer Comment(XXXX-XX-XX): Employer letter confirms retention bonus for next [redacted]years which.  Loan amount of $[redacted]= $[redacted]/month.  There is no acknowledgement that borrower will earn other bonuses and does not have a history of earning $[redacted]in "norma bonus" Bonus income of $[redacted]can be used to qualify borrower but DTI is still over [redacted]%.  Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please include the retention bonus as the UW indicated in the UW comment "Client was awarded a [redacted]year guaranteed retention bonus with no
stipulation of repayment. This is in addition to the client's
normal compensation structure / bonus.  Using the lowest the retention
bonus will be in the next three years to qualify and adding it on
to the client's existing bonus pay.  Leaving normal bonus pay and
base pay as calculated by IQ.
 
 
[redacted]/ [redacted]= [redacted]+ [redacted]normal bonus =  [redacted]" See the attached employment letter.
 
XX/XX/XXXX
    
No
1
B
A
C
A
B
A
C
A
B
A
  
XX
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
36
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
     
Reviewer Comment(XXXX-XX-XX): Historical Bonus over previous two years plus borrowers guaranteed retention bonus which is at minimum $[redacted]/month supports qualifying income used for bonus.  There is no issue with DTI exceeds guideline thresholds.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please review borrower paystub which reflects borrower normal bonus income amounts, which they do have history of as they received it each year. [redacted]should be re-reviewed.
 
 
Reviewer Comment(XXXX-XX-XX): Employer letter confirms retention bonus for next [redacted]years which.  Loan amount of $[redacted]= $[redacted]/month.  There is no acknowledgement that borrower will earn other bonuses and does not have a history of earning $[redacted]in "norma bonus" Bonus income of $[redacted]can be used to qualify borrower but DTI is still over [redacted]%.  Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please include the retention bonus as the UW indicated in the UW comment "Client was awarded a [redacted]year guaranteed retention bonus with no
stipulation of repayment. This is in addition to the client's
normal compensation structure / bonus.  Using the lowest the retention
bonus will be in the next three years to qualify and adding it on
to the client's existing bonus pay.  Leaving normal bonus pay and
base pay as calculated by IQ.
 
 
[redacted] normal bonus =  [redacted]" See the attached employment letter.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
36
XXXX
  
XXXX
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: Investor qualifying total debt ratio discrepancy.
The borrower has no history of making $[redacted]monthly bonus income. Based on [redacted]and YTD earnings, he makes $[redacted]as a best-case scenario.
   
Reviewer Comment(XXXX-XX-XX): Historical Bonus over previous two years plus borrowers guaranteed retention bonus which is at minimum $[redacted]/month supports qualifying income used for bonus.  There is no issue with DTI exceeds guideline thresholds.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please review borrower paystub which reflects borrower normal bonus income amounts, which they do have history of as they received it each year. [redacted] should be re-reviewed.
 
 
Reviewer Comment(XXXX-XX-XX): Employer letter confirms retention bonus for next [redacted]years which.  Loan amount of $[redacted]= $[redacted]/month.  There is no acknowledgement that borrower will earn other bonuses and does not have a history of earning $[redacted]in "norma bonus" Bonus income of $[redacted]can be used to qualify borrower but DTI is still over [redacted]%.  Exception remains.
 
 
Reviewer Comment(XXXX-XX-XX): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%.
 
 
Buyer Comment(XXXX-XX-XX): Please include the retention bonus as the UW indicated in the UW comment "Client was awarded a [redacted]year guaranteed retention bonus with no
stipulation of repayment. This is in addition to the client's
normal compensation structure / bonus.  Using the lowest the retention
bonus will be in the next three years to qualify and adding it on
to the client's existing bonus pay.  Leaving normal bonus pay and
base pay as calculated by IQ.
 
 
[redacted] normal bonus =  [redacted]" See the attached employment letter.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
36
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines
General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)
The borrower has no history of making $[redacted]monthly bonus income. Based on [redacted]and YTD earnings, he makes $[redacted]as a best-case scenario.
   
Reviewer Comment(XXXX-XX-XX): Historical Bonus over previous [redacted]years plus borrowers guaranteed retention bonus which is at minimum $[redacted]/month supports qualifying income used for bonus.  There is no issue with DTI exceeds guideline thresholds.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please review borrower paystub which reflects borrower normal bonus income amounts, which they do have history of as they received it each year. [redacted]should be re-reviewed.
 
 
Reviewer Comment(XXXX-XX-XX): Employer letter confirms retention bonus for next [redacted]years which.  Loan amount of $[redacted]= $[redacted]/month.  There is no acknowledgement that borrower will earn other bonuses and does not have a history of earning $[redacted]in "norma bonus" Bonus income of $[redacted]can be used to qualify borrower but DTI is still over [redacted]%.  Exception remains.
 
 
Reviewer Comment(XXXX-XX-XX): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)
 
 
Buyer Comment(XXXX-XX-XX): Please include the retention bonus as the UW indicated in the UW comment "Client was awarded a [redacted]year guaranteed retention bonus with no
stipulation of repayment. This is in addition to the client's
normal compensation structure / bonus.  Using the lowest the retention
bonus will be in the next three years to qualify and adding it on
to the client's existing bonus pay.  Leaving normal bonus pay and
base pay as calculated by IQ.
 
 
[redacted] normal bonus =  [redacted]" See the attached employment letter.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
37
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
39
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
42
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Pest Inspection Fee was not disclosed on the Loan Estimate but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received PCCD, LOE and proof of mailing.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]Received PCCD and LOE moving fee to section H; however, [redacted]is unable to determine from the file whether the lender or title company required the Pest inspection.  If the lender required, the Pest inspection then a cure is due to the borrower.  If the borrower-chosen service provider further outsourced the Pest inspection, an attestation or comment on exception from the seller is needed.  The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.
 
 
Buyer Comment(XXXX-XX-XX): Please see the redisclosure pkg attached
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
42
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Closing Disclosure Issue Date Not Provided
TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available.
The Closing Disclosure with a signature date of [redacted] has been entered as the initial Closing Disclosure is missing the first page therefore unable to determine the issue date. Please provide the complete Closing Disclosure for review.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received complete pages for initial CD dated [redacted].
 
 
Buyer Comment(XXXX-XX-XX): Please see a copy of the initial CD attached with all pages, you can confirm this is the same document by matching the figures in addition to the date/time stamp in the bottom left corner
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Good Faith Redisclosure
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
42
XXXX
  
XXXX
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
42
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Initial Closing Disclosure Timing without Waiver Test
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.
The Closing Disclosure with a signature date of [redacted] has been entered as the initial Closing Disclosure is missing the first page therefore unable to determine the issue date. Please provide the complete Closing Disclosure for review.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received complete pages for initial CD dated [redacted].
 
 
Buyer Comment(XXXX-XX-XX): Please see a copy of the initial CD attached with all pages, you can confirm this is the same document by matching the figures in addition to the date/time stamp in the bottom left corner
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
42
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Total Of Payments
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Total of Payments on page [redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]).  The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted]which exceeds the $[redacted]threshold.
[redacted]received [redacted] Corrected CD.  Section D total fees on page [redacted]increased and Total of Payments was underdisclosed on the Final CD.  Cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted]and proof of mailing.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received Corrected CD, LOE to borrower and copy of Final Settlement Statement confirming final fees at closing
 
 
Buyer Comment(XXXX-XX-XX): Please see the receipt
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached letter of explanation and proof of delivery.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received Final Settlement Statement.  Previously received Corrected CD.  Did not receive the LOE to borrower that accompanied the PCCD dated [redacted].  Please provide the missing LOE to borrower which went with the PCCD corrections.
 
 
Buyer Comment(XXXX-XX-XX): please see attached
 
 
Reviewer Comment(XXXX-XX-XX): In order to test the Corrected CD issued [redacted], please provide the LOE to borrower which accompanied this Corrected CD along with the certified Final Settlement Statement.  As there were fee amount changes on the [redacted] PCCD, must confirm updated fees matching to the Final Settlement Statement and as closed with borrower paid fees.  Once received, [redacted]can retest.
 
 
Buyer Comment(XXXX-XX-XX): The TOP has been corrected. The amount disclosed on the Closing Disclosure (CD) at closing has been reduced by $[redacted], which reflects the Pest Inspection Fee. This fee is no longer included in the Section D total because it was removed from Section C and correctly moved to Section H. As a result, the Finance Charge and all other fees remain accurate.
 
[redacted] acknowledges that the CD included with our initial cure submission should not have been used. Because this is a correspondent document draw loan, that CD was created in error by [redacted]. The CD uploaded today was generated by and obtained directly from the correspondent partner and reflects the correct disclosures.
The updated CD only includes the appropriate changes:
• The Pest Inspection Fee was moved from Section C to Section H.
• The Loan Discount Points, which were mistakenly changed from $[redacted]to $[redacted], have been corrected and restored to the original amount, including the applicable $[redacted]lender credit.
 
Had the correspondent partner's CD been provided with our initial submission, it should have resolved the exception without any complications.
 
We respectfully request that this matter be escalated for review so the exception can now be cleared.
 
 
Reviewer Comment(XXXX-XX-XX): Per CHD: [redacted] received [redacted] Corrected CD.  Section D total fees on page [redacted]increased and Total of Payments was underdisclosed on the Final CD.  Cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted] and proof of mailing.
 
XX/XX/XXXX
    
No
1
  
A
  
A
  
A
  
A
  
A
  
XX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
B
B
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
44
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
49
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Title - Settlement/Closing/Escrow fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received PCCD, LOE, proof of mailing & copy of refund check.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached PCCD curing both issues
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
49
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Finance Charge Test
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold.  Disclosed Amount Financed on page [redacted]is also blank or inaccurate.  Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]).
Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. Variance of $[redacted]. The variance is due to the title - city lien search, title - electronic document storage fee, title - escrow service fee, and title - technology fee disclosed in section H are APR fees that were not considered. Please provide cure.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached PCCD curing both issues
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
50
XXXX
  
XXXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
- ___
The file is missing the Tax verification and Insurance verification for this property. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): First payment letter reflecting as Taxes & Insurance are escrowed. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please review pg[redacted] which contains the executed first payment
letter from the associated loan and verifies the PITIA payment for 1002
[redacted]Rd of $[redacted]but it breaks out the tax and insurance liability
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
51
XXXX
  
XXXX
    
Compliance
Compliance
State Compliance
Misc. State Level
Maryland Counseling Agencies Disclosure Not in File
[redacted] - No evidence of required counseling disclosure language per [redacted].
     
Buyer Comment(XXXX-XX-XX): seller accepts; no change to grading.
 
 
Reviewer Comment(XXXX-XX-XX): Application Package does not confirm that required state document were provided to borrower at time of application. Exception remains
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached application package.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
51
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as $[redacted]on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received copy of the system snip and appraisal ordered document with additional information lieu of valid changed circumstance.
 
 
Buyer Comment(XXXX-XX-XX): We have provided evidence showing the UW-er ordered the 1007 in order to use income for the non-subject property. The 1007 was ordered before the income was used because the UW didn't know if there could be usable income as a result. We have provided evidence showing it was ordered on [redacted], and disclosed on [redacted]. The UW is the only person who can decide when a order is placed, and this underwriter ordered the 1007 to potentially use income for the non-subject property.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received rebuttal comment. However, the explanation provided does not evidence to order the Form 1007. Please provide supporting documentation (e.g., appraisal order details, underwriting notes, communication records, or system logs) of timeline 1007 was requested and to provide supporting information on when lender become aware of the from 1007 request to increase the income or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached, the underwriter ordered the 1007 in order to increase borrower income, so that we didn't have to order a Written VOE.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received rebuttal comment and system snip. but changed circumstance missing additional information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached CIC. The 1007 was ordered to use rental income on the non-subject.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
52
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
           
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
53
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
           
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
Good Faith Redisclosure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
53
XXXX
  
XXXX
    
Credit
Loan Package Documentation
Loan File
Missing Document
Missing Document: Hazard Insurance Policy not provided
       
Reviewer Comment(XXXX-XX-XX): Insurance policy provided.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached HOI policy for the subject.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
53
XXXX
  
XXXX
    
Credit
Hazard Insurance
Document Error
Hazard Insurance
Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.
       
Reviewer Comment(XXXX-XX-XX): Client internal guidelines allows for missing ISAOA clause if [redacted]will be the mortgagee.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached guideline regarding the mortgagee clause.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]guideline was not provided for review.  Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please see the screen shot attached of [redacted]guideline that say for
purchase loans "The mortgagee clause does NOT need to list ISAOA exactly,
if the loan is within [redacted]business days from close." Excluding [redacted], we are [redacted]business days from closing on [redacted] as the policy shows it
was issued [redacted]
 
 
Reviewer Comment(XXXX-XX-XX): Hazard Insurance does not list ISAOA.  Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached confirming the HOI has the clause. Please clear this condition.
 
XX/XX/XXXX
    
No
1
  
A
  
A
  
A
  
A
  
A
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
56
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
   
Reviewer Comment(XXXX-XX-XX): Paystubs and W-2's provided to satisfy exception.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached
 
XX/XX/XXXX
    
No
1
B
A
C
A
B
A
C
A
B
A
  
XX
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
56
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Income and Assets - Wages
General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE.
The borrower's most recent paystub and W-2 is missing in file. Please provide recent copies for review.
   
Reviewer Comment(XXXX-XX-XX): Paystubs and W-2's provided to satisfy exception.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
58
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Buyer Comment(XXXX-XX-XX): seller accepts; no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
58
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted]not received by borrower at least [redacted] business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
   
Reviewer Comment(XXXX-XX-XX): [redacted]Received disclosure summary showing LE received by borrower on [redacted].
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached loan estimate verification.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
C
B
B
B
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
60
XXXX
  
XXXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
The [redacted]and [redacted]W2's in the file were blank for borrower's secondary employment.. Please provide the W2's or equivalent documentation for review.
   
Reviewer Comment(XXXX-XX-XX): W-2 received for the year [redacted]. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached W2
 
 
Reviewer Comment(XXXX-XX-XX): Received W-2 for the year [redacted]only for the secondary employment. Please provide W-2 for the year [redacted]also for review. Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached W2
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
60
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
   
Reviewer Comment(XXXX-XX-XX): W-2 received for the year [redacted]. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached W2
 
 
Reviewer Comment(XXXX-XX-XX): Received W-2 for the year [redacted]only for the secondary employment. Please provide W-2 for the year [redacted]also for review. Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached W2
 
XX/XX/XXXX
    
No
1
B
A
C
A
B
A
C
A
B
A
  
XX
Primary
Purchase
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
60
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
     
Reviewer Comment(XXXX-XX-XX): W-2 received for the year [redacted]. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached W2
 
 
Reviewer Comment(XXXX-XX-XX): Received W-2 for the year [redacted]only for the secondary employment. Please provide W-2 for the year [redacted]also for review. Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached W2
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
64
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Fee was last disclosed as $[redacted]on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached redisclosure package.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received copy of the system snip. However, this does not sufficiently explain the reason for the fee increase. Please provide supporting documentation or a detailed explanation to substantiate the increase in the appraisal fee.
 
 
Buyer Comment(XXXX-XX-XX): Please see the screen shot from our internal UW system attached confirming the $[redacted]fee increase on
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
66
XXXX
  
XXXX
    
Credit
Title
General
Title
Title Policy Coverage is less than Original Loan Amount.
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
69
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
69
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Buyer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
70
XXXX
  
XXXX
    
Credit
Hazard Insurance
Insufficient Coverage
Hazard Insurance
The Hazard Insurance Policy Effective Date is after closing.
Hazard Insurance Policy Effective Date ___, Disbursement Date: ___
     
Reviewer Comment(XXXX-XX-XX): Disbursement date & ceffective date is same in provided document. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Our guidelines state the HOI must be active as of the disbursement date, and on this loan that is when the policy is effective. Please clear this condition as it is invalid.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Second Home
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
72
XXXX
  
XXXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
- ___
Please confirm the actual taxes, insurance, and dues on the Central Park REO. The tax returns reflect only [redacted]months rented, and the expenses for common charges and assessments are $[redacted]/year in [redacted]. It is unable to be determined if this is for half the year, as filed, or if the full year is included. At initial review diligence has considered the full common charges and assessments as HOA. The other expenses are also considered as listed on Schedule E. PITIA prior to confirmation of expenses: $[redacted]/month.
   
Reviewer Comment(XXXX-XX-XX): Client has updated to align with Schedule E at worst case, as considered by diligence. Using Schedule E for property expenses meets Fannie Mae guidelines. Total PITIA considered is $[redacted]per month. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): We updated the liability to match yours, please see the corrected 1003 and 1008 attached
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
73
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Buyer Comment(XXXX-XX-XX): seller accepts; no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
73
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
73
XXXX
  
XXXX
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
Client to confirm if the documentation labeled "W2 Transcript" for both borrowers meets internal guidelines to use in lieu of actual W2 form/W2 transcripts, etc. Caveat on these forms state this is pulled from C-Corp financial accounts, and is not the actual W2 statement. Please advise. If the actual W2's were obtained, please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Client accepts the W2's as provided. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): This meets our guidelines, as long as the W-2 is not the worksheet from the tax return and is actually from the employer it can be used.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Second Home
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
75
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Refinance - Cash-out - Other
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
77
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Refinance - Rate/Term
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
77
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Refinance - Rate/Term
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
78
XXXX
  
XXXX
    
Credit
Loan Package Documentation
Application / Processing
Loan Package Documentation
Missing Document: Purchase Agreement / Sales Contract not provided
       
Reviewer Comment(XXXX-XX-XX): Client provided signed rental agreement with purchase option. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached purchase agreement.
 
XX/XX/XXXX
    
No
1
D
A
D
A
D
A
D
A
D
A
  
XX
Primary
Purchase
  
D
A
D
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
78
XXXX
  
XXXX
    
Credit
Asset
Asset Calculation / Analysis
Asset
Available for Closing is insufficient to cover Cash From Borrower.
Funds available for closing are insufficient because the file is missing the documents to source the earnest deposit of $[redacted]. Please provide deposit receipt, wire receipt, canceled check, bank statement, or any equivalent document to source the earnest money deposit for review.
   
Reviewer Comment(XXXX-XX-XX): Client provided signed rental agreement with purchase option that confirms receipt of EMD of $[redacted]. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please be advised the EMD is not required to be sourced by bank statements, the executed purchase agreement is sufficient to meet guidelines for documenting the EMD.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
D
A
D
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
78
XXXX
  
XXXX
    
Credit
Credit
AUS Discrepancy / Guidelines Discrepancy
Guideline
Guideline Requirement: PITIA reserves months discrepancy.
Reserves are insufficient because the file is missing the documents to source the earnest deposit of $[redacted]. Please provide deposit receipt, wire receipt, canceled check, bank statement, or any equivalent document to source the earnest money deposit for review.
   
Reviewer Comment(XXXX-XX-XX): Client provided signed rental agreement with purchase option that confirms receipt of EMD of $[redacted]. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please be advised the EMD is not required to be sourced by bank statements, the executed purchase agreement is sufficient to meet guidelines for documenting the EMD.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
D
A
D
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
78
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared.
   
Reviewer Comment(XXXX-XX-XX): Client provided signed rental agreement with purchase option that confirms receipt of EMD of $[redacted]. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please be advised the EMD is not required to be sourced by bank statements, the executed purchase agreement is sufficient to meet guidelines for documenting the EMD.
 
XX/XX/XXXX
    
No
1
B
A
C
A
B
A
C
A
B
A
  
XX
Primary
Purchase
Lender to provide updated ATR/QM status
D
A
D
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
78
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
     
Reviewer Comment(XXXX-XX-XX): Client provided signed rental agreement with purchase option that confirms receipt of EMD of $[redacted]. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please be advised the EMD is not required to be sourced by bank statements, the executed purchase agreement is sufficient to meet guidelines for documenting the EMD.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
D
A
D
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
80
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
           
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Refinance - Rate/Term
Good Faith Redisclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
82
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
Compliance
Buydown Subsidy Collected Less Than Buydown Terms - Buydown Terms Not Considered
Total Buydown Amount collected on HUD/CD $[redacted]does not match Buydown Subsidy of $[redacted]required per terms of Buydown Agreement Payment Schedule.  Additional subsidy may be required to meet terms of buydown agreement.  Any discrepancy may impact validity of compliance points and fees findings.
     
Reviewer Comment(XXXX-XX-XX): Correspondent did not collect buydown subsidy or inform [redacted]of buydown.  [redacted]confirms no buydown was made.  Exception cleared.
 
 
Reviewer Comment(XXXX-XX-XX): Documentation to confirm buydown agreement with [redacted]was cancelled was not in file.  Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): This is not a [redacted]Buydown Deposit Agreement. Based on my review, it appears this agreement was executed only on [redacted] side. We did not receive a request from the partner to process a buydown with [redacted]on this file. If the partner did not notify us and the buydown was never initiated through [redacted], then the agreement is not valid through closing. This also explains why no buydown fee was assessed. At [redacted], we can only use our standard Buydown Deposit Agreement, which is generated through our document system to ensure all required language is included.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
84
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Buyer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
88
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
88
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
88
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
Missing the final signed/dated HUD or Closing Statement from the sale of [redacted] with at least $[redacted]in proceeds. The Estimated copy was provided
   
Reviewer Comment(XXXX-XX-XX): Received Closing Statement . Exception Cleared
 
 
Buyer Comment(XXXX-XX-XX): Please see attached settlemet statement for this property.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
89
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received proof of earlier electronic receipt.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Second Home
Refinance - Rate/Term
No Defined Cure
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
91
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
     
Buyer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
Letter of Explanation & Corrected Closing Disclosure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
92
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Incomplete Document: 1003 Final is incomplete
The final 1003 is incomplete due to missing details of the two additional properties for the co-borrower: [redacted]
   
Reviewer Comment(XXXX-XX-XX): Received updated 1003,1008. Exception cleared
 
 
Buyer Comment(XXXX-XX-XX): See updated 1003/1008 adding these properties. Note, new docs were provided to another exception prior to this exception being reviewed. Please apply this 1003 and 1008 to that exception as well.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
92
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
92
XXXX
  
XXXX
    
Credit
Income / Employment
Income Documentation
Missing Document
REO Documents are missing.
Lender to confirm why this property was excluded from the Co-Borrower's REO schedule. If this property is still owned, please provide evidence of any outstanding liens, and any PITIA expenses other than the verified taxes.
   
Reviewer Comment(XXXX-XX-XX): Received updated 1003,1008. Exception cleared
 
 
Buyer Comment(XXXX-XX-XX): Please see attached adding the property to the 1003 as well as updated 1008. Other supporting docs attached.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Cash-out - Other
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
93
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)
Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
94
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
94
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing Test
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. The Evidentiary Document does not show receipt of the [redacted] Loan Estimate
   
Buyer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received disclosure summary for LE dated [redacted], however we require proof of receipt for LE dated [redacted]. Please provide same to re-evaluate the exception.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
No Defined Cure
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
95
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
The file was missing the Final Closing Statement for the sale of REO to verify the total net equity received and all liens were paid and closed. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Closing statement received. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final ALTA.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
95
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
The lender paid a portion of the Property Tax escrows.
   
Buyer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
96
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
99
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
100
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
           
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
Good Faith Redisclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
100
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted].  $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]% fee violation due to an increase in the Title Settlement Fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received Letter of explanation and Corrected Closing disclosure.
 
 
Buyer Comment(XXXX-XX-XX): Please clear this exception, as it is not valid. The cure package provided is sufficient to resolve the finding. Please review the Service Provider List and compare the payees to the corrected CD. Aside from moving the applicable fees from Section B to Section C, the only other change was the reallocation of the $[redacted]credit that was originally applied to the Title - Lender's Policy. The credit was not removed; it was simply reallocated. The borrower still received the full credit amount of $[redacted]. Although the reallocation caused some individual fee amounts to change, there is no material impact to the transaction, and a settlement statement is not required. You may also compare the original and corrected CDs to confirm that the overall totals remained unchanged. If you believe this exception should remain, please provide the specific guideline or regulation that supports your position. Otherwise, please clear the exception.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received corrected PCCD moving the title fees from section B to C however, along with these changes section H total and overall cash to close is also get changed on the CD. A copy of true and certified final SS is required To finalize the changes.
 
 
Buyer Comment(XXXX-XX-XX): We moved the [redacted] title fees from section B to section C as the borrower shopped and went with an offlist service provider. Please see the redisclosure package attached
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
101
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
Title Evidence: ___;
State: ___
     
Buyer Comment(XXXX-XX-XX): Seller acknowledges exception, no change in grading
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
101
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
The file is missing the Final Closing Statement for the sale of property on [redacted]. to verify the total net equity received and all liens are paid and closed. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Closing statement received. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
101
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Other Includes Insurance Costs
TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement.
           
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
Good Faith Redisclosure
C
B
C
B
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
104
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Loan Discount Points Fee was last disclosed as $[redacted]on the first closing disclosure issued [redacted] but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached, PCCD with cure as requested.
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
113
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
113
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
113
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
113
XXXX
  
XXXX
    
Credit
Asset
Asset Calculation / Analysis
Asset
Guideline Requirement: Available for Reserves discrepancy.
       
Reviewer Comment(XXXX-XX-XX): Settlement statement received for sold property. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached settlement statement.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
113
XXXX
  
XXXX
    
Credit
Asset
Asset Calculation / Analysis
Asset
Available for Closing is insufficient to cover Cash From Borrower.
Funds for reserves are insufficient due to missing EMD. Please provide evidence of the $[redacted]EMD funds provided by the borrower.
   
Reviewer Comment(XXXX-XX-XX): Seasoned EMD funds receipt received and meets client's guidelines. Exception cleared
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached receipt of emd document.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
113
XXXX
  
XXXX
    
Credit
Credit
Credit Documentation
Guideline
Missing Document: Asset not provided
The file was missing the Final Closing Statement for the sale of [redacted]., confirming net equity and all mortgages paid and closed. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Settlement statement received for sold property. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached settlement statement.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
114
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
115
XXXX
  
XXXX
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
       
Reviewer Comment(XXXX-XX-XX): Final title policy provided.  Exception cleared.
 
XX/XX/XXXX
    
No
1
A
A
A
A
A
A
A
A
A
A
  
XX
Primary
Purchase
  
B
B
B
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
115
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
       
Reviewer Comment(XXXX-XX-XX): Final title policy provided.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): please see attached
 
XX/XX/XXXX
    
No
1
B
A
B
A
B
A
B
A
B
A
  
XX
Primary
Purchase
  
B
B
B
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
115
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
115
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
B
B
B
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
118
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Second Home
Purchase
  
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
119
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Revised Loan Estimate Timing Before Closing
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing.
Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received earliest receipt of LE.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached LE acknowledgment.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
No Defined Cure
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
119
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
Loan Discount Points were not disclosed on the Loan Estimate, but were disclosed as $[redacted]on the Closing Disclosure. No Valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted] received a valid COC.
 
 
Buyer Comment(XXXX-XX-XX): Please see page [redacted]of the loan file. The Change in circumstance was teh borrower locking the rate.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
119
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: Donor Check not provided
Evidence of the gift funds receipt by borrower or title was missing from the file. Please provide evidence of receipt of the gift funds for review.
   
Reviewer Comment(XXXX-XX-XX): Evidence of wire sent to title for the gift funds has been provided. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached gift wire receipt.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
121
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted]Guaranty Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted] over legal limit.  Insufficient or no cure was provided to the borrower.
[redacted]Guaranty Fee was not disclosed on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close CD reflecting the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): LOE, proof of delivery, evidence of refund, and corrected CD provided. Exception cured.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received Post CD and LOX. However, we would also require copy of refund check in order to cure the exception.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached package provided to the borrower along with proof of refund.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received itemization of credits, however if fee was paid by lender, we require corrected PCCD updating fee as lender paid, LOE and true & certified copy of final settlement statement to re-evaluate the exception.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached confirmation the lender credit was applied to the Guaranty fee.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]acknowledges the lender's comment that a lender credit was applied on the Final CD. However, upon review, the lender credit reflected on the Final CD is associated with the Credit Report Fee and does not appear to be applied toward the [redacted] Guaranty Fee tolerance violation. Provide refund cure of $[redacted]with cure documents to clear this exception.
 
 
Buyer Comment(XXXX-XX-XX): Please be advised the lender was aware of the tolerance violation and they applied the lender credit/tolerance credit to the fee as shown on the final CD.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received lender rebuttal on borrower selected.  However, the Title-Title Policy [redacted]Fee of $[redacted], AKA, [redacted]Guaranty Fee, though is being paid to title company is a fee incurred & imposed on [redacted]loans and remitted to TTIGA and is not shoppable regardless of the title company utilized.  As such, fee should be disclosed initially and is subject to [redacted]% tolerance testing.  Fee not disclosed on initial LE and added to CD.  Corrected CD, LOE to borrower, copy of cure refund and proof of mailing.
 
 
Buyer Comment(XXXX-XX-XX): Please be advised this fee was disclosed in Section C and not paid to an affiliate, it is not subject to tolerance testing. Furthermore, the correspondent lender covered the fee with lender credits as shown on the closing disclosure addendum.
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
122
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
CDA Fee was not disclosed on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a PCCD reflecting the tolerance cure of $[redacted], a copy of the refund check, proof of delivery, and the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received rebuttal comment and as per COC dated [redacted]
 
 
Buyer Comment(XXXX-XX-XX): Please review Pg [redacted]of the loan file which confirms the date the CDA was ordered which matches the SSR report being received on [redacted]. Fee disclosed on [redacted]. CU score was over [redacted]. Everything supporting the CIC and fee increase. Please cancel this exception.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
125
XXXX
  
XXXX
    
Credit
Asset
Asset Calculation / Analysis
Asset
Available for Closing is insufficient to cover Cash From Borrower.
Settlement Statement from sell of real estate was not provided.
   
Reviewer Comment(XXXX-XX-XX): Settlement statement provided to confirm sale of [redacted] Property. Sufficient assets for closing have been documented.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please be advised a signature is not a guideline requirement, this can be considered the final ALTA as it does not state "estimated" on the document.
 
 
Reviewer Comment(XXXX-XX-XX): Provided settlement statement not signed & dated. Please provide updated settlement statement with signed & dated. Exception remains.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached ALTA.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
127
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Loan Discount Points were disclosed as $[redacted]on the initial Loan Estimate but were disclosed as $[redacted]on the revised Loan Estimate issued on [redacted]. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received valid rebuttal comment and further review the loan was not locked at time of fee increased and stays unlocked. Rate was locked on [redacted] after the fee was increased.
 
 
Buyer Comment(XXXX-XX-XX): The [redacted] Loan Estimate was not locked, therefore any pricing-related fees are not binding. Please see the first locked loan estimate on [redacted]
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
130
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower.
Lender credit was last disclosed as $[redacted]on the Loan Estimate but was disclosed as $[redacted]the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide the final itemization disclosing the lender paid fees totaling $[redacted]or a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD
 
 
Reviewer Comment(XXXX-XX-XX): [redacted]received the Post CD, LOX, copy of the refund check, and proof of mailing. However, the fees reflected on the Final CD are shown as Paid by Others for $[redacted], and the itemization dated [redacted] does not reconcile with the Final CD. Please provide the itemization for the Final CD dated [redacted], if the fees were paid by the lender, for verification purposes.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached package mailed to the borrower.
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Refinance - Rate/Term
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
130
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
Notice of Right to Cancel Missing
Truth in Lending Act: Notice of Right to Cancel was not provided.
     
Reviewer Comment(XXXX-XX-XX): LOE, proof of delivery, and H-8 RTC provided. New rescission period has passed, exception cured.
 
 
Buyer Comment(XXXX-XX-XX): Please see attached package mailed to the borrower along with proof of delivery. Recission period has ended as of [redacted] at midnight.
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Refinance - Rate/Term
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
132
XXXX
  
XXXX
    
Credit
Income / Employment
Income Documentation
Income / Employment
Income Docs Missing:
-
Day Care license was not timestamped to determine if received within [redacted]days of note date.
   
Reviewer Comment(XXXX-XX-XX): Business Insurance was in file which can be used as third party verification. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see page [redacted]which is a current liability policy for the business.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
132
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Check Loan Designation Match - QM
Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.
Loan designation failure due to Qualified Mortgage failure. This exception will be cleared when all Qualified Mortgage related exceptions are cleared.
   
Reviewer Comment(XXXX-XX-XX): Business Insurance was in file which can be used as third party verification. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see page [redacted]which is a current liability policy for the business.
 
XX/XX/XXXX
    
No
1
B
A
C
A
B
A
C
A
B
A
  
XX
Primary
Refinance - Cash-out - Other
Lender to provide updated ATR/QM status
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
132
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
General QM Provision Employment - Schedule C
General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.
     
Reviewer Comment(XXXX-XX-XX): Business Insurance was in file which can be used as third party verification. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see page [redacted]which is a current liability policy for the business.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
132
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
General QM Provision:  Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
     
Reviewer Comment(XXXX-XX-XX): Business Insurance was in file which can be used as third party verification. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see page [redacted]which is a current liability policy for the business.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
134
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
The file was missing the Final Closing Statement from the sale of [redacted] to determine net equity and all liens paid and closed. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Received Closing Statement . Exception Cleared
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached settlement statement.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Refinance - Cash-out - Other
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
135
XXXX
  
XXXX
    
Credit
Credit
Miscellaneous
Guideline
Credit Exception:
A lender exception was made for the acreage being greater [redacted]acres on this loan. Please provide the credit comp factors used when making this exception to the guidelines.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.
 
The representative FICO score is above [redacted].
 
Borrower has verified disposable income of at least $[redacted].
Comp factors include:
FICO [redacted]
LTV [redacted]%
Residual Income $[redacted]
SitusAMC
 
SitusAMC
 
SitusAMC,Originator
Reviewer Comment(XXXX-XX-XX): Waiving at clients request.
 
 
Reviewer Comment(XXXX-XX-XX): Comp factors include:
FICO [redacted]
LTV [redacted]%
Residual Income $[redacted]
 
 
Buyer Comment(XXXX-XX-XX): Please refer to the 1008 to confirm compensating factors used to grant the exception. Additional compensating factors if required: ~[redacted]months PITIA reserves, $[redacted]monthly residual income, No adverse credit remarks of any kind.
 
 
XX/XX/XXXX
Yes
2
C
B
C
B
C
B
C
B
C
B
  
XX
Second Home
Purchase
  
C
B
C
B
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
137
XXXX
  
XXXX
    
Credit
Legal / Regulatory / Compliance
Title / Lien Defect
Title
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
       
Reviewer Comment(XXXX-XX-XX): Received final title policy with correct coverage.  Exception cleared.
 
XX/XX/XXXX
    
No
1
A
A
A
A
A
A
A
A
A
A
  
XX
Primary
Refinance - Rate/Term
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
137
XXXX
  
XXXX
    
Credit
Title
Document Error
Title
The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.
       
Reviewer Comment(XXXX-XX-XX): Received final title policy with correct coverage.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final title policy.
 
XX/XX/XXXX
    
No
1
B
A
B
A
B
A
B
A
B
A
  
XX
Primary
Refinance - Rate/Term
  
B
A
B
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
140
XXXX
  
XXXX
    
Credit
Missing Document
General
Missing Document
Missing Document: HUD/CD (Asset) not provided
The file is missing the fully executed Final Closing Statement for the sale of real estate, to verify the total net equity received and that all liens are paid and closed. Please provide for review.
   
Reviewer Comment(XXXX-XX-XX): Final Settlement Statement was provided to confirm assets from sale of property.  Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached final ALTA for the sale of the non-subject.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
A
C
A
A
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
147
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)
Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Refinance - Cash-out - Other
TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
B
B
A
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
148
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Loan Discount Points Fee was last disclosed as $[redacted]on the Loan Estimate but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]received rebuttal comment and as per available float rate disclosures [redacted].
 
 
Buyer Comment(XXXX-XX-XX): Please be advised the rate was not locked until the [redacted] LE. The pricing/loan points is allowed to fluctuate before the rate is locked without a valid CIC.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Second Home
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
A
A
A
C
A
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
149
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
149
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
149
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
149
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
149
XXXX
  
XXXX
    
Credit
Hazard Insurance
Insufficient Coverage
Hazard Insurance
The Hazard Insurance Policy Effective Date is after closing.
Hazard Insurance Policy Effective Date ___, Disbursement Date: ___
     
Reviewer Comment(XXXX-XX-XX): Disbursement date & effective date is same in Closing disclosure. Exception cleared.
 
 
Buyer Comment(XXXX-XX-XX): Please be advised this meets guidelines as guidelines require the HOI policy to be effective as of disbursement.
 
XX/XX/XXXX
    
No
1
C
A
C
A
C
A
C
A
C
A
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
149
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
149
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
ATR/QM Defect
Self-Employed Tax Return Recency - QM
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted].
     
Reviewer Comment(XXXX-XX-XX): Seller acknowledges exception, no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
  
C
B
C
A
B
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
No
XXXX
151
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties
TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.
     
Buyer Comment(XXXX-XX-XX): seller accepts; no change to grading.
 
 
XX/XX/XXXX
No
2
B
B
B
B
B
B
B
B
B
B
  
XX
Primary
Purchase
Letter of Explanation & Corrected Closing Disclosure
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes
XXXX
151
XXXX
  
XXXX
    
Compliance
Compliance
Federal Compliance
TRID Defect
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $[redacted]exceeds tolerance of $[redacted].  $[redacted]over legal limit.  Insufficient or no cure was provided to the borrower.
Appraisal Review Fee was last disclosed as $[redacted]on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the Letter of Explanation to the borrower disclosing the changes made.
   
Reviewer Comment(XXXX-XX-XX): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached redisclosure package.
 
 
Reviewer Comment(XXXX-XX-XX): [redacted] Received Valid COC dated [redacted] for addition of Appraisal review fee; however, fee change to borrower paid from lender paid on Final CD dated [redacted]. Provide Valid COC for fee change from lender paid to borrower paid or cure is due. Cure Consist of PCCD, LOE, Refund Check and Proof of Mailing.
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached CIC showing the appraisal review fee increasing from [redacted] to $[redacted]as a result of the underwriter reviewing the appraisal and confirming it is satisfactory, and noting the CU > [redacted]
 
 
Buyer Comment(XXXX-XX-XX): Please see the attached CIC showing the appraisal review fee increasing from [redacted]to $[redacted]as a result of the underwriter reviewing the appraisal and confirming it is satisfactory, and noting the CU > [redacted]
 
XX/XX/XXXX
  
No
2
C
B
C
B
C
B
C
B
C
B
  
XX
Primary
Purchase
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
C
B
A
A
C
B
A
A
Safe Harbor QM (APOR)
Safe Harbor QM (APOR)
Yes

Valuation Report
Run Date - 8/25/2026 1:55:03 PM
SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
Note Date
Original Loan Amount
Sales Price
Value for LTV
As-Is Value for LTV
LTV Value Variance Amount
LTV Value Variance Percent
Primary Valuation Value
Primary Valuation Report Date
Primary Valuation Effective Date
Primary Valuation Type
Primary Valuation Company
Primary Valuation Appraiser Name
Primary Valuation Appraiser License Num
Primary Valuation FSD Score
Secondary Valuation Value
Secondary Valuation Variance Amount
Secondary Valuation Variance Percent
Secondary Valuation Report Date
Secondary Valuation Effective Date
Secondary Valuation Type
Secondary Valuation Company
Secondary Valuation FSD Score
Secondary Valuation Desk Review Risk Score
AVM Value
AVM Variance Amount
AVM Variance Percent
AVM Company
AVM FSD Score
AVM Report Date
Desk Review Value
Desk Review Variance Amount
Desk Review Variance Percent
Desk Review Company
Desk Review Risk Score
Desk Review Report Date
Desk Review Effective Date
Desktop Appraisal Value
Desktop Appraisal Variance Amount
Desktop Appraisal Variance Percent
Desktop Appraisal Company
Desktop Appraisal Report Date
Desktop Appraisal Effective Date
BPO Value
BPO Variance Amount
BPO Variance Percent
BPO Company
BPO Report Date
Field Review Value
Field Review Variance Amount
Field Review Variance Percent
Field Review Company
Field Review Report Date
Field Review Effective Date
2055 Value
2055 Variance Amount
2055 Variance Percent
2055 Company
2055 Report Date
2055 Effective Date
AVE/CMA Value
AVE/CMA Variance Amount
AVE/CMA Variance Percent
AVE/CMA Company
AVE/CMA Report Date
Hybrid Valuation Value
Hybrid Valuation Variance Amount
Hybrid Valuation Variance Percent
Hybrid Valuation Company
Hybrid Valuation Report Date
Updated Valuation Value
Updated Valuation Variance Amount
Updated Valuation Variance Percent
Updated Valuation Company
Updated Valuation Report Date
Updated Valuation Effective Date
Aggregate Appraised Value
Aggregate Variance Amount
Aggregate Variance Percent
Value Analysis Valuation Value
Value Analysis Report Date
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?
LCA Risk Score
Collateral Underwriter Risk Score
XXXX
1
XXXX
              
0.000%
      
Appraisal
                                          
0.000%
  
Moderate
                                                                                                  
XXXX
2
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
3
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
4
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
5
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
6
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
7
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.50
XXXX
8
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
9
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
10
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.80
XXXX
11
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
12
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
13
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
14
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.50
XXXX
15
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.30
XXXX
16
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
17
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
18
XXXX
              
0.000%
      
Appraisal
            
6.870%
    
Appraisal
                      
-6.570%
  
High
                                                                                            
N/A
  
2.50
XXXX
19
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
20
XXXX
              
0.000%
      
Appraisal
            
-4.210%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.20
XXXX
21
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.70
XXXX
22
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.40
XXXX
23
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
24
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
25
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
26
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
27
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
28
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
29
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
30
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
31
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
32
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
33
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.70
XXXX
34
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
5.00
XXXX
35
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
5.00
XXXX
36
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
37
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
38
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.00
XXXX
39
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.60
XXXX
40
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.00
XXXX
41
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.50
XXXX
42
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
43
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
44
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
45
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
46
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.10
XXXX
47
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
48
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
49
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
50
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
51
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
52
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
53
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.00
XXXX
54
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.10
XXXX
55
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.30
XXXX
56
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
Yes
2.50
1.90
XXXX
57
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.00
XXXX
58
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.10
XXXX
59
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.30
XXXX
60
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.10
XXXX
61
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.70
XXXX
62
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
63
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
64
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
65
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.20
XXXX
66
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.60
XXXX
67
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
68
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.20
XXXX
69
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
70
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
71
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
72
XXXX
              
0.000%
      
Appraisal
            
-5.660%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.80
XXXX
73
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
74
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.00
XXXX
75
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
76
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
77
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
78
XXXX
              
0.000%
      
Appraisal
            
-1.640%
    
Appraisal
                      
-31.970%
  
High
                                                                                            
N/A
  
5.00
XXXX
79
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
80
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
81
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
82
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
83
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
84
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
85
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.50
XXXX
86
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.30
XXXX
87
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
88
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
89
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.30
XXXX
90
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
91
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.90
XXXX
92
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.00
XXXX
93
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
94
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
5.00
XXXX
95
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.00
XXXX
96
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
97
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.60
XXXX
98
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
99
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.00
XXXX
100
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
101
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
102
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.10
XXXX
103
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.60
XXXX
104
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
105
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.60
XXXX
106
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
107
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.00
XXXX
108
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.00
XXXX
109
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.70
XXXX
110
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
111
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
Yes
2.00
1.00
XXXX
112
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
113
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
114
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
115
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
116
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
117
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.10
XXXX
118
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
119
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
120
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
4.30
XXXX
121
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
122
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
2.60
XXXX
123
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
124
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.90
XXXX
125
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.20
XXXX
126
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.70
XXXX
127
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
128
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
129
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
130
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
131
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
132
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
    
-6.890%
  
XXXX
                                                                                                        
N/A
  
3.30
XXXX
133
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
134
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
135
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
136
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.00
XXXX
137
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.10
XXXX
138
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
139
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.20
XXXX
140
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
141
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.10
XXXX
142
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.70
XXXX
143
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
4.00
XXXX
144
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
145
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.00
XXXX
146
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.80
XXXX
147
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.60
XXXX
148
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
2.60
XXXX
149
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.50
XXXX
150
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
1.40
XXXX
151
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Moderate
                                                                                                                  
N/A
  
3.20
XXXX
152
XXXX
              
0.000%
      
Appraisal
            
0.000%
    
Desk Review
    
Low
                                                                                                                  
N/A
  
3.10
XXXX
153
XXXX
              
0.000%
      
Appraisal
                                                                                                                                            
N/A
  
2.40


Supplemental Data
Run Date - 8/25/2026 1:44:04 PM
SitusAMC Loan ID
Customer Loan ID
Seller Loan ID
Investor Loan Number
TILA Status Loan Designation
Exempt QM/ATR Equivalency
CDFI Bank Originated Loan
Application Date
TRID Tested
GSE
HOEPA Fees
TILA Fees
Rate Lock Date
Calculated APR
Original P&I
Qualifying P&I
Qualifying Rate
Is Borrower Non Occupant
Is Co Borrower Non Occupant
Borrower Employment Indicator
Co Borrower Employment Indicator
Co Borrower 2 Employment Indicator
Co Borrower 3 Employment Indicator
Co Borrower2 Length of Employment
Co Borrower3 Length of Employment
Borrower Foreign National Indicator
Co Borrower Foreign National Indicator
Co Borrower 2 Foreign National Indicator
Co Borrower 3 Foreign National Indicator
Borrower Country Name
Co Borrower Country Name
Co Borrower2 Country Name
Co Borrower3 Country Name
Residual Income
Num Units
Annual Property Tax
Annual Insurance Costs
Monthly Property Tax
Monthly Insurance Costs
HOA Name
HOA Address State
Fee Amount
Next Due Date
HOA Payment Frequency
Investor DTI
QM DTI
Non QM DTI
Original 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 Updated Credit Report Date
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
Most Recent Updated Co Borrower 2 FICO
Most Recent Updated Co Borrower 3 FICO
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
Asset Depletion Flag
Bank Statements Flag
Number of Statements
Type of Statements
Percent of Income From Statements
Borrower Business Ownership %
CoBorrower Business Ownership %
P&L Type
Income Doc Detail
Tax Return Doc Details
Document Level
Document Type
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 Late 30d in 24m
Prior Mortgage/Rent Late 60d in 24m
Prior Mortgage/Rent Late 90d in 24m
Has ACH
Guideline Name
UW Guideline Author
ATR QM Total Points and Fees Audit
Loan Regulation Benchmark Date
Benchmark Rate
HUD 1 Page 1 Credits Total
Collateral Underwriter Risk Score
AUS Decision System
Property Inspection Waiver (PIW)
Rating Result
Eligible For Rep and Warrant Relief Per Collateral Advisor
Is Equity Shared Loan
Investor Qualifying Rate
Borrower Years of W2s
CoBorrower Years of W2s
Years of Personal Tax Returns
Years of Business Tax Returns
Years of 4506T
Years of Tax Transcripts
Months of Personal Bank Statements
Months of Business Bank Statements
Months of Profit and Loss Statements
Expense Letter
Total DSCR
Total Inverse DSCR
Subordinate Lien Type
Is Shared Appreciation Mortgage
Duration of Payout Months
Seller VSH Indicator
Seller Indicated VSH Guideline
Validated VSH
IO Remaining Amortization Term at Recast
Maturity Date
Borrower Own Funds Cash Amount
Borrower Own Funds Percent
Is the Note an eNote
Borrower WVOE - # of Months of Income provided
Co Borrower WVOE - # of Months of Income provided
Co Borrower2 WVOE - # of Months of Income provided
Co Borrower3 WVOE - # of Months of Income provided
Were the origination guidelines utilized for this diligence review?
Title Evidence
Ownership Type
Borrower Type
Borrower Designation
Co Borrower Type
Co Borrower Designation
Co Borrower2 Type
Co Borrower2 Designation
Co Borrower3 Type
Co Borrower3 Designation
Senior Lien Position
Senior Lien Original Loan Amount
Senior Lien Original Interest Rate
Senior Lien Note Projected Closing Date
Senior Lien Current Balance
Senior Lien Current P&I
Loan Closed in the Name of an Entity
Note Executed by
Assumable Mortgage Flag
Leasehold Flag
Buydown Flag
Borrower Experian FICO Model Used
Borrower Equifax FICO Model Used
Borrower TransUnion FICO Model Used
Co Borrower Experian FICO Model Used
Co Borrower Equifax FICO Model Used
Co Borrower TransUnion FICO Model Used
Co Borrower2 Experian FICO Model Used
Co Borrower2 Equifax FICO Model Used
Co Borrower2 TransUnion FICO Model Used
Co Borrower3 Experian FICO Model Used
Co Borrower3 Equifax FICO Model Used
Co Borrower3 TransUnion FICO Model Used
Borrower Documentation Used to Determine Legal Residency
Co Borrower Documentation Used to Determine Legal Residency
Co Borrower2 Documentation Used to Determine Legal Residency
Co Borrower3 Documentation Used to Determine Legal Residency
Delayed Financing?
Months Reserves
Correspondent Type
Departure Residence
Rate Increase on Default
Default Interest Rate
Default Interest Accrual Start Days
MERS Min Number
Co Borrower Other Income
Co Borrower Wage Income
Primary Housing Lates 0 6 Months 30
Primary Housing Lates 0 6 Months 60
Primary Housing Lates 0 6 Months 90
Primary Housing Lates 7 12 Months 30
Primary Housing Lates 7 12 Months 60
Primary Housing Lates 7 12 Months 90
Primary Housing Lates 13 24 Months 30
Primary Housing Lates 13 24 Months 60
Primary Housing Lates 13 24 Months 90
Primary Housing Lates 25 36 Months 30
Primary Housing Lates 25 36 Months 60
Primary Housing Lates 25 36 Months 90
Borrower 1 ITIN Flag
Borrower 2 ITIN Flag
Borrower 3 ITIN Flag
Borrower 4 ITIN Flag
Total Number of Mortgaged Properties
Amortization Term Less IO
Flood Zone Designation
Flood Policy Expiration Date
Flood Policy Coverage Amount
xxxx
1
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2018
[Borrower -  | Primary Income - Wages]; Paystubs - 2018
[Borrower -  | Primary Income - Wages]; WVOE - 2018
[Borrower -  | Primary Income - Wages]; W-2 - 2017
[Borrower -  | Primary Income - Wages]; W-2 - 2016
[Borrower -  | Primary Income - Wages]; W-2 - 2016
[Borrower -  | Primary Income - Wages]; W-2 - 2015
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2016
[Borrower]; Transcripts (1040) - 2015
[Borrower]; Transcripts (1040) - No Results Returned - Year Not Available
Full Documentation (F)
Full
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
  
DU
  
ApproveIneligible
    
xxxx
3
  
0
0
1
2
    
xxxx
No
                  
xxxx
xxxx
              
Commitment
Fee Simple
                            
No
  
No
                                      
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
2
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Tax Return Extension - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
1
2
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
xxxx
xxxx
xxxx
3
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.9
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
4
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
1
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
5
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Projected Income]; VVOE - 2026
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.3
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
6
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.3
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
7
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
Permanent Resident Alien
Permanent Resident Alien
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.5
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Resident Alien Card
Resident Alien Card
      
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
8
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
9
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
4
360
XXXX
    
xxxx
10
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; WVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Employer Letter - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Pension]; Paystubs - 2026
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower -  | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
2.8
DU
  
ApproveIneligible
N/A
No
xxxx
1
  
2
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
13
      
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
11
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.6
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
12
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
27
      
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
13
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
1
0
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
14
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Tax Return Extension - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Tax Return Extension - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.5
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
4
4
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
28
27
    
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
15
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
Permanent Resident Alien
Permanent Resident Alien
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.3
DU
  
ApproveIneligible
N/A
No
xxxx
1
0
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
    
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
          
Resident Alien Card
Resident Alien Card
      
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
16
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - Social Security]; 1099-SSA - 2025
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Borrower -  | Primary Income - Pension]; Account Statements - 2026
[Borrower -  | Primary Income - Pension]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Pension]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Account Statements - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Primary Income - Social Security]; 1099-SSA - 2025
[Coborrower(s) -  | Non-Primary Income - Pension]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2025
[Coborrower(s) -  | Non-Primary Income - Pension]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.4
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
17
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026
[Borrower -  | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.8
DU
  
ApproveIneligible
N/A
No
xxxx
1
  
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
18
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.5
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
19
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
4
360
XXXX
    
xxxx
20
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.2
DU
  
ApproveIneligible
N/A
No
xxxx
0
1
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
21
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.7
DU
  
ApproveIneligible
N/A
No
xxxx
1
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
24
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
22
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.4
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
23
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.9
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
24
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.7
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
25
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
1
0
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
4
360
XXXX
    
xxxx
26
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Account Transcripts - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.1
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
Retail
  
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
27
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
Permanent Resident Alien
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
1
0
4
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                
Resident Alien Card
        
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
28
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.2
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
29
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.1
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
Retail
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
30
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.1
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
31
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
2
1
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
32
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; Other - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - No Results Returned - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
1
0
3
0
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
33
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.7
None
    
N/A
No
xxxx
2
  
2
0
4
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
34
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Projected Income]; Employer Letter - 2026
[Coborrower(s) -  | Primary Income - Projected Income]; VVOE - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
5.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
2
      
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
35
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
5.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
36
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.4
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
0
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
37
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Tax Return Extension - Year Not Available
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.4
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
38
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
39
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
40
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
41
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.5
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
42
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.2
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
2
0
4
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
Retail
  
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
43
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - Pension]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower -  | Non-Primary Income - Pension]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2025
[Coborrower(s) -  | Primary Income - Social Security]; Account Statements - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                            
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
44
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
Permanent Resident Alien
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                
Resident Alien Card
        
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
45
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower -  | Primary Income - Projected Income]; VVOE - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
0
0
3
3
    
xxxx
No
          
No
      
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
46
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Non-Primary Income - Wages]; VVOE - 2026
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.1
DU
  
ApproveIneligible
N/A
No
xxxx
2
1
2
0
3
3
      
No
          
No
      
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
47
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
48
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                            
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.6
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
49
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
50
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.1
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
51
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
52
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
3
  
3
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
xxxx
xxxx
xxxx
53
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - C-Corp]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - C-Corp]; 1120 - 2025
[Coborrower(s) -  | Primary Income - C-Corp]; W-2 - 2025
[Coborrower(s) -  | Primary Income - C-Corp]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
    
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
xxxx
xxxx
xxxx
54
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Projected Income]; Employment Offer - 2026
[Borrower -  | Primary Income - Projected Income]; VVOE - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.1
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
55
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.3
DU
  
ApproveIneligible
N/A
No
xxxx
1
1
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
  
FICO Risk Score Classic 04
                    
xxxx
Retail
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
56
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.9
DU
  
ApproveIneligible
Yes
No
xxxx
2
0
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
xxxx
xxxx
xxxx
57
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
58
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
2.1
DU
  
ApproveIneligible
N/A
No
xxxx
1
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
28
29
    
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
Retail
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
59
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.3
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
60
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.1
DU
  
ApproveIneligible
N/A
No
xxxx
2
1
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
61
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.7
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
1
0
4
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
62
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
63
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.4
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
28
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
64
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
  
17
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
65
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.2
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
66
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.6
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
67
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
          
Third Party Prepared (Unaudited)
[Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Social Security]; 1099-SSA - 2025
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
1
0
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
68
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - K-1 (< 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; VVOE - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.2
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
4
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Short Form
Fee Simple
Individual
Individually and as Trustee
Individual
Individually and as Trustee
                  
No
Individually and as Trustee
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
69
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.5
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
4
360
XXXX
xxxx
xxxx
xxxx
70
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; Transcripts (1040) - 2022
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 4506-C - 2022
[Coborrower]; Transcripts (1040) - 2022
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
29
18
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
71
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower -  | Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Borrower -  | Primary Income - Pension]; 1099-R - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                            
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
    
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
72
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.8
DU
  
ApproveIneligible
N/A
No
xxxx
1
0
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
73
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - C-Corp]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - C-Corp]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - C-Corp]; W-2 - 2025
[Coborrower(s) -  | Primary Income - C-Corp]; 1120 - 2024
[Coborrower(s) -  | Primary Income - C-Corp]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.6
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
74
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
180
XXXX
    
xxxx
75
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - Farming]; 1040 - Schedule F - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.4
DU
  
ApproveIneligible
N/A
No
xxxx
1
2
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
16
      
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
180
XXXX
    
xxxx
76
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveEligible
N/A
No
xxxx
1
  
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
77
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveEligible
N/A
No
xxxx
2
2
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
78
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
      
xxxx
                      
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
5.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
79
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
1
2
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
80
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Employer Letter - 2018
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.8
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
180
XXXX
xxxx
xxxx
xxxx
81
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.6
DU
  
ApproveIneligible
N/A
No
xxxx
3
0
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
29
      
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
82
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - Wages]; Other - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Restricted Stock Agreement - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
83
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.7
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
84
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
Yes
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
85
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Housing Allowance]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Non-Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.5
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
86
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.3
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
87
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.9
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
88
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.8
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
89
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.3
DU
  
ApproveIneligible
N/A
No
xxxx
1
  
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
    
No
        
Yes
Short Form
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
90
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.8
DU
  
ApproveIneligible
N/A
No
xxxx
1
2
1
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
91
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Coborrower(s) -  | Primary Income - Social Security]; Account Statements - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Account Transcripts - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                            
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.9
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
92
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
Yes
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
    
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
93
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
      
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveEligible
N/A
No
xxxx
2
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
94
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Other - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
5.0
DU
  
ApproveIneligible
N/A
No
xxxx
1
  
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
95
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
96
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Business License - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2022
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
3
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
97
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - C-Corp]; Third Party Verification - 2026
[Borrower -  | Primary Income - C-Corp]; Third Party Verification - 2026
[Borrower -  | Primary Income - C-Corp]; 1120 - 2025
[Borrower -  | Primary Income - C-Corp]; 1120 - 2024
[Borrower -  | Primary Income - C-Corp]; W-2 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.6
DU
  
ApproveIneligible
N/A
No
xxxx
1
2
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
4
360
XXXX
    
xxxx
98
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Employer Letter - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
99
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.0
DU
  
ApproveEligible
N/A
No
xxxx
2
0
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
100
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2026
[Borrower -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveEligible
N/A
No
xxxx
2
0
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
xxxx
xxxx
xxxx
101
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - K-1 (< 25%)]; Paystubs - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Account Transcripts - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Account Transcripts - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
102
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.1
DU
  
ApproveEligible
N/A
No
xxxx
0
2
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
Yes
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
103
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
104
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.5
DU
  
ApproveIneligible
N/A
No
xxxx
1
2
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
Retail
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
105
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.6
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
106
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
Permanent Resident Alien
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2026
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2026
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2026
[Coborrower(s) -  | Primary Income - Wages]; Other - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.5
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
30
18
    
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
            
Resident Alien Card
    
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
107
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 1040 - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
  
30
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
108
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
109
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.7
DU
  
ApproveIneligible
N/A
No
xxxx
1
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
110
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
1
1
2
0
4
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
Retail
  
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
111
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
Yes
No
xxxx
2
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
112
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveEligible
N/A
No
xxxx
2
  
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
113
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.5
DU
  
ApproveIneligible
N/A
No
xxxx
3
  
2
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
114
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
115
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
          
Audited
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
116
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
Retail
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
117
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
xxxx
  
xxxx
  
US Citizen
US Citizen
US Citizen
          
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
                                    
Level 2-Stated/Not Verified
  
Level 4-Stated/Verified as defined
Level 3-Stated/Verified as defined
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Other - 2026
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.1
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
Individual
Individual
                
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
              
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
118
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; 1065 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.9
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
2
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
119
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Other - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.1
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
2
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
28
28
    
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac (VER. 2)
FICO Classic V5 Facta
FICO Risk Score Classic 04
Fair Isaac (VER. 2)
FICO Classic V5 Facta
FICO Risk Score Classic 04
                    
xxxx
Retail
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
120
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.3
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
121
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
2
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
Retail
  
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
122
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; WVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
1
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
29
      
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
123
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
1
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
124
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.9
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
125
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.2
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
1
0
4
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
30
      
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
Retail
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
126
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Employer Letter - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.7
DU
  
ApproveIneligible
N/A
No
xxxx
0
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
127
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
128
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.7
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
129
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2025
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024
[Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.7
DU
  
ApproveEligible
N/A
No
xxxx
0
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Preliminary
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
130
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.7
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
Retail
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
131
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.7
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
132
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Tax Return Extension - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Tax Return Extension - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.3
DU
  
ApproveIneligible
N/A
No
xxxx
1
0
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
133
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
1
2
0
3
3
      
No
          
Yes
Mixed
Not Tested
  
xxxx
    
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
134
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
135
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Account Transcripts - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
136
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
137
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Coborrower(s) -  | Non-Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Non-Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Non-Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Coborrower(s) -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.1
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
3
360
XXXX
    
xxxx
138
xxxx
  
xxxx
      
Yes
No
xxxx
    
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
139
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.2
DU
  
ApproveIneligible
N/A
No
xxxx
2
1
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
140
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower -  | Primary Income - Projected Income]; VVOE - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Pension]; 1099-R - 2025
[Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2025
[Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2025
[Coborrower(s) -  | Non-Primary Income - Annuity]; 1099 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Final
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
141
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.1
None
    
N/A
No
xxxx
2
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
142
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; VVOE - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Social Security]; Account Statements - 2026
[Coborrower(s) -  | Primary Income - Social Security]; 1099-SSA - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - No Results Returned - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
2yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.7
DU
  
ApproveIneligible
N/A
No
xxxx
2
0
1
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
143
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - No Results Returned - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
4.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
2
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
144
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2026
[Borrower -  | Primary Income - Projected Income]; VVOE - 2026
[Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
    
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
145
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026
[Borrower -  | Primary Income - Sole Proprietor]; Other - 2026
[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2026
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1099 - 2025
[Borrower -  | Primary Income - Sole Proprietor]; W-2 - 2025
[Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Primary Income - Sole Proprietor]; W-2 - 2024
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.0
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
  
Yes
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
xxxx
xxxx
xxxx
146
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 1040 - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 1040 - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.8
DU
  
ApproveIneligible
N/A
No
xxxx
2
2
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
        
Yes
Short Form
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                  
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
147
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
  
No
29
      
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                        
No
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
148
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2026
[Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
[Borrower -  | Primary Income - Disability]; Award Letter / Continuance Letter - 2026
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025
[Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
[Borrower -  | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2026
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
Retirement Income - Fully Verified
                            
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.6
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
2
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
149
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025
[Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.5
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
2
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
150
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
1.4
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
30
      
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
xxxx
xxxx
xxxx
151
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower -  | Primary Income - Wages]; W-2 - 2025
[Borrower -  | Primary Income - Wages]; W-2 - 2024
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.2
DU
  
ApproveIneligible
N/A
No
xxxx
2
  
0
0
3
2
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
29
      
Yes
Final
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    
xxxx
152
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
xxxx
        
US Citizen
US Citizen
            
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2026
[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower -  | Primary Income - Wages]; Paystubs - 2025
[Borrower -  | Primary Income - Wages]; Year End Summary - 2025
[Borrower -  | Primary Income - Wages]; Paystubs - 2024
[Borrower -  | Primary Income - Wages]; Year End Summary - 2024
[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2026
[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) -  | Primary Income - Wages]; VVOE - 2026
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; Transcripts (1040) - 2023
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; Transcripts (1040) - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; Transcripts (1040) - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; Transcripts (1040) - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
3.1
DU
  
ApproveIneligible
N/A
No
xxxx
0
0
0
0
3
3
    
xxxx
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
Individual
Individual
                    
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                    
xxxx
    
No
      
xxxx
xxxx
                        
No
No
No
No
1
360
XXXX
    
xxxx
153
xxxx
  
xxxx
      
Yes
No
xxxx
xxxx
  
xxxx
xxxx
xxxx
xxxx
No
No
xxxx
          
US Citizen
              
xxxx
xxxx
xxxx
xxxx
xxxx
xxxx
          
xxxx
xxxx
xxxx
xxxx
xxxx
                                                      
No
No
            
[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026
[Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2025
[Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2025
[Borrower]; 1040 - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; Transcripts (1040) - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
Full Documentation (F)
1yr Full Doc
                              
xxxx
xxxx
xxxx
    
xxxx
xxxx
  
xxxx
xxxx
2.4
DU
  
ApproveIneligible
N/A
No
xxxx
0
  
1
0
3
2
      
No
          
Yes
Mixed
Not Tested
  
xxxx
xxxx
xxxx
No
        
Yes
Commitment
Fee Simple
Individual
Individual
                        
No
Individual
No
  
No
Fair Isaac
Beacon 5.0
FICO Risk Score Classic 04
                          
xxxx
  
No
No
      
xxxx
xxxx
                        
No
No
No
No
2
360
XXXX
    


ASF
Run Date - 8/25/2026 1:55:04 PM
Primary Servicer
Servicing Fee Percentage
Servicing Fee Flat Dollar
Servicing Advance Methodology
Originator
Loan Group
Loan Number
Amortization Type
Lien Position
Heloc Indicator
Loan Purpose
Cash Out Amount
Total Origination and Discount Points in Dollars
Covered High Cost Loan Indicator
Relocation Loan Indicator
Broker Indicator
Channel
Escrow Indicator
Senior Loan Amounts
Loan Type of Most Senior Lien
Hybrid Period of Most Senior Lien in Months
Neg Am Limit of Most Senior Lien
Junior Mortgage Balance
Origination Date of Most Senior Lien
Origination Date
Original Loan Amount
Original Interest Rate
Original Amortization Term
Original Term to Maturity
First Payment Date of Loan
Interest Type Indicator
Original Interest Only Term
Buy Down Period
HELOC Draw Period
Current Loan Amount
Current Interest Rate
Current Payment Amount Due
Interest Paid Through Date
Current Payment Status
Index Type
ARM Look Back Days
Gross Margin
ARM Round Flag
ARM Rounding Factor
Initial Fixed Rate Period
Initial Interest Rate Cap Change Up
Initial Interest Rate Cap Change Down
Subsequent Interest Rate Reset Period
Subsequent Interest Rate Change Down
Subsequent Interest Rate Change Up
Lifetime Maximum Rate Ceiling
Lifetime Minimum Rate Floor
Negative Amortization Limit
Initial Negative Amortization Recast Period
Subsequent Negative Amortization Recast Period
Initial Fixed Payment Period
Subsequent Payment Reset Period
Initial Periodic Payment Cap
Subsequent Periodic Payment Cap
Initial Minimum Payment Reset Period
Subsequent Minimum Payment Reset Period
Option ARM Indicator
Options at Recast
Initial Minimum Payment
Current Minimum Payment
Prepayment Penalty Calculation
Prepayment Penalty Type
Prepayment Penalty Total Term
Prepayment Penalty Hard Term
Primary Borrower ID
Number of Mortgaged Properties
Total Number of Borrowers
Self Employment Flag
Current Other Monthly Payment
Length of Employment Borrower
Length of Employment Co Borrower
Years in Home
FICO Model Used
Most Recent FICO Date
Primary Wage Earner Original FICO Equifax
Primary Wage Earner Original FICO Experian
Primary Wage Earner Original FICO Transunion
Secondary Wage Earner Original FICO Equifax
Secondary Wage Earner Original FICO Experian
Secondary Wage Earner Original FICO Transunion
Most Recent Primary Borrower FICO
Most Recent Co Borrower FICO
Most Recent FICO Method
Vantagescore Primary Borrower
Vantagescore Co Borrower
Most Recent Vantagescore Method
Vantagescore Date
Credit Report Longest Trade Line
Credit Report Maximum Trade Line
Credit Report Number of Trade Lines
Credit Line Usage Ratio
Most Recent 12 Month Pay History
Months Bankruptcy
Months Foreclosure
Primary Borrower Wage Income
Co Borrower Wage Income
Primary Borrower Other Income
Co Borrower Other Income
All Borrower Wage Income
All Borrower Total Income
4506T/C Indicator
Borrower Income Verification Level
Co Borrower Income Verification Level
Borrower Employment Verification Level
Co Borrower Employment Verification Level
Borrower Asset Verification Level
Co Borrower Asset Verification Level
Liquid Cash Reserves
Monthly Debt All Borrowers
Originator DTI
Fully Indexed Rate
Qualification Method
Percentage of Down Payment From Borrower Own Funds
City
State
Postal Code
Property Type
Occupancy
Sales Price
Original Appraised Property Value
Original Property Valuation Type
Original Property Valuation Date
Original Automated Valuation Model AVM Model Name
Original AVM Confidence Score
Most Recent Property Value
Most Recent Property Valuation Type
Most Recent Property Valuation Date
Most Recent AVM Model Name
Most Recent AVM Confidence Score
Original CLTV
Original LTV
Original Pledged Assets
Mortgage Insurance Company Name
Mortgage Insurance Percent
MI Lender or Borrower Paid
Pool Insurance Co Name
Pool Insurance Stop Loss Percent
MI Certificate Number
Updated DTI Front End
Updated DTI Back End
Modification Effective Payment Date
Total Capitalized Amount
Total Deferred Amount
Pre Modification Interest Note Rate
Pre Modification P&I Payment
Pre Modification Initial Interest Rate Change Downward Cap
Pre Modification Subsequent Interest Rate Cap
Pre Modification Next Interest Rate Change Date
Pre Modification IO Term
Forgiven Principal Amount
Forgiven Interest Amount
Number of Modifications
Real Estate Interest
Community Ownership Structure
Year of Manufacture
HUD Code Compliance Indicator Y/N
Gross Manufacturers Invoice Price
LTI Loan to Invoice Gross
Net Manufacturers Invoice Price
LTI Net
Manufacturer Name
Model Name
Down Payment Source
Community Related Party Lender Y/N
Defined Underwriting Criteria Y/N
Chattel Indicator
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
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12
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
1
XXXX
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XXXX
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XXXX
XXXX
XXXX
1
1
5
1
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
7
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
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XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
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7
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xxxx
xxxx
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2
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0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
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3
        
XXXX
XXXX
9
XXXX
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XXXX
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XXXX
1
5
5
3
3
4
4
XXXX
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1
XXXX
  
XX
  
7
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
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XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
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1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
8
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
3
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
1
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
4
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
1
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
1
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
2
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
5
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
1
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
7
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
5
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
1
5
1
3
2
2
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
1
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
6
xxxx
xxxx
0
0
1
2
2
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
7
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
7
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
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3
        
XXXX
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4
XXXX
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XXXX
XXXX
XXXX
XXXX
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XXXX
1
5
5
3
3
4
4
XXXX
XXXX
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1
XXXX
  
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7
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
2
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
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3
        
XXXX
XXXX
8
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
1
1
  
XXXX
3
  
XXXX
  
XXXX
9
  
0
  
XXXX
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XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
6
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
1
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
1
3
1
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
7
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
1
2
0
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
2
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
8
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
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1
XXXX
  
XX
  
7
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
1
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
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XXXX
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XXXX
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3
        
XXXX
XXXX
4
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
4
5
3
3
4
1
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
1
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
0
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
2
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
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3
        
XXXX
XXXX
3
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
1
1
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
1
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
2
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
7
XXXX
XXXXXXXXXXXX
    
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
1
1
  
XXXX
3
  
XXXX
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
0
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
2
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
3
        
XXXX
XXXX
7
XXXX
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XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
1
5
5
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
7
1
  
XXXX
3
  
XXXX
  
XXXX
9
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
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3
        
XXXX
XXXX
14
XXXX
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XXXX
XXXX
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XXXX
XXXX
XXXX
1
3
5
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
7
1
  
XXXX
3
  
XXXX
  
XXXX
3
  
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
6
xxxx
xxxx
0
0
0
5
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
0
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
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XXXX
XXXX
XXXX
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3
        
XXXX
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4
XXXX
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XXXX
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XXXX
XXXX
XXXX
XXXX
1
5
4
3
3
4
4
XXXX
XXXX
XXXX
  
1
XXXX
  
XX
  
1
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
7
xxxx
xxxx
0
0
0
1
0
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
3
2
0
xxxx
xxxx
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1
  
XXXX
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3
        
XXXX
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2
XXXX
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1
5
5
3
3
4
1
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1
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1
1
  
XXXX
3
  
XXXX
        
0
  
XXXX
XXXX
XXXX
  
XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
1
0
6
xxxx
xxxx
0
0
0
1
4
                
xxxx
xxxx
xxxx
  
2
0
0
          
0
                                                          
0
  
1
2
1
xxxx
xxxx
XXXX
  
1
  
XXXX
XXXX
XXXX
XXXX
XXXX
XXXX
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0
0
          
0
                                                          
0
  
1
2
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6
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5
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1
    
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7
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XXXX
                                                                
9999999
0.000000
  
99
  
UNK
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1
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0
9
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xxxx
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2
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1
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XXXX
                                                                
9999999
0.000000
  
99
  
UNK
xxxx
1
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0
7
xxxx
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0
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1
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xxxx
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2
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0
                                                          
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