Exhibit 99.6

SAN 2026-NQM7

Santander Bank N.A.

Opus Capital Markets Consultants, LLC

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

Executive Narrative

September 08, 2026

Performed by

Opus Capital Markets Consultants, LLC

For

Santander Bank N.A.

The report summarizes the results of a due diligence review performed on a pool of ninety-one (91) loans, that were directly or indirectly acquired by Santander Bank N.A. or an affiliate thereof (together the “Customer”) from an originator (the “Originator”). The Customer is a client of Opus Capital Markets Consultants, LLC (“Consultant”) under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains sixty-two (62) ATR/QM Exempt loans, of which fifty-nine (59) are DSCR loans and three (3) are Business purpose, and twenty-nine (29) NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

Credit Review

Credit Qualification

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

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

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

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

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

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

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

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

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

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

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

Document Review

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

a) Collateral Docs

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

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

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

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

b) Closing Docs

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

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

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

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

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

c) Credit Docs

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

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

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

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

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

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

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

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

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

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

Regulatory Compliance

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

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

For Right of Rescission

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

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

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

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

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

ii.

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

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

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

ii.

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

iii.

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

iv.

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

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

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

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

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

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

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

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

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

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

10.

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

11.

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

12.

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

13.

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

14.

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

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

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

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

HUD-1 is marked Final;

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

ii.

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

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

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

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

Loan Estimate, if applicable

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

Closing Disclosure, if applicable

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

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Notice of Right to Cancel (if applicable)

Initial TIL, if applicable

Good Faith Estimate (“GFE”), if applicable

Note

Mortgage/Deed of Trust

FACTA disclosures

Third Party Fees

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

ii.

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

iii.

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

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

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

Ability to Repay and Qualified Mortgage Review

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

For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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

a. Qualified Mortgage:

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

ii.

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

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b. Ability to Repay:

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

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

Current employment status

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

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

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

Debts, alimony, and child support obligations

Monthly debt-to-income ratio or residual income

Credit history

ii.

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

iii.

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

Regulatory Compliance Disclaimer

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

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

Seasoning And Certain Compliance Exceptions

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

Additional Disclosures and Requirements:

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

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

Confirm the presence of the Servicing Transfer Disclosure form in file

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

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

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

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

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Initial Escrow Disclosure Statement

Confirm the presence of the Initial Escrow Disclosure Statement in file

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

Equal Credit Opportunity Act (Regulation B)

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

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

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

Fair Credit Report Act (Regulation V)

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

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

High-Cost, State & Local Anti-Predatory Regulations

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Kansas Consumer Credit Code

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Washington House Bill 2770, Mortgage Lending Ownership

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

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

Wyoming Credit Code

Flood Insurance Testing

National Flood Insurance Program (NFIP)

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

Homeowner’s Flood Affordability Act (HFIAA)

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

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

Exceptions

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

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

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

Meets requirements

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

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

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Misrepresentation and Third-Party Review

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

Misrepresentation Review and Valuation Review

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

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

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

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

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

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

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

Independent Third-Party Values

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

i) Consultant will perform the following steps.

Property is complete

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

Property is described in average or better condition

No apparent appraiser independence violation statements

Appraisal addresses any adverse comments

Appraisal is completed on appropriate GSE Forms

Appraisal contains required attachments.

Appraiser was appropriately licensed at the time the appraisal was signed

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

Value Review Disclaimer

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

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

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

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

Properties in FEMA declared disaster zones.

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

No apparent damage to the property

Property appears to be occupied

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DSCR Loan Review

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

Borrower Underwriting:

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

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

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

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

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

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

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

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

Title Insurance Requirements are met per Guidelines only as follows

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

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

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

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

Credit Document Check

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

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

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

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

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

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Document Review

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

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

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

Compliance

State and Local High Cost Mortgage regulations, including:

Cook County High Cost Ordinance

City of Chicago High Cost Ordinance

Anti-predatory lending laws, including:

Minnesota §58 on or after 8/1/2008

Virginia Lender and Broker Act after 6/1/2008

Data Compare

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

Borrower Self-Employment Flag

Interest Only Flag

Junior Lien Balance

Loan Purpose

Loan Type

Number of Units

Occupancy

Originator QM Status

Primary Appraised Property Value

Property Address

Property City

Property State

Property Type

Property Zip Code

Qualifying CLTV

Qualifying FICO

Qualifying Housing Debt Income Ratio

Qualifying Interest Rate

Qualifying Loan Amount

Qualifying LTV

Sales Price

Term

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Rating Agency Grading Criteria

Fitch Ratings Grading Criteria

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

Moody’s Investor Services Grading Criteria

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

Kroll Bond Rating Agency LLC Grading Criteria

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

S&P Global Ratings Grading Criteria

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

DBRS Morningstar Grading Criteria

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

Opus Grading Criteria

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

Opus Credit Grades

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

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

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

Opus Property Grades

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

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

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

Opus Compliance Grades

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

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

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

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Pool Details

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Tape Discrepancies

Data Element	Count	Accuracy
Borrower 1 First Name	2	97.80%
Borrower 1 Last Name	4	95.60%
Note Date	3	96.70%
Number of Units	1	98.90%
Prepayment Penalty Flag	2	97.80%
Qualifying CLTV	1	98.90%
Qualifying Total Debt Income Ratio	11	87.91%
Total Number of Loans	91

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

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

Loan Grading Definitions

Credit

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

Compliance

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

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

Property Valuation

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

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

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Loan Review Findings

The following summarizes Consultant’s final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated September 03, 2026.

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Loans Reviewed

(91 Loans)

400160957	400161045	400167607	400175486	400175621
400178800	400178842	400179076	400178887	400178949
400178862	400175512	400178859	400192932	400178792
400178939	400178966	400179037	400192894	400192907
400193121	400193110	400193116	400193077	400193079
400193092	400193068	400193024	400193027	400193013
400192971	400192944	400192927	400192930	400192911
400192916	400192919	400194169	400194437	400175463
400175598	400192913	400193117	400193118	400193125
400193111	400193055	400192995	400193008	400193010
400192933	400192936	400194011	400194061	400194394
400194420	400194444	400194385	400194328	400194351
400194353	400194354	400194360	400194308	400194319
400194278	400194283	400194258	400194259	400194261
400194266	400194268	400194245	400194247	400194253
400194217	400194192	400194203	400194205	400194176
400194181	400194187	400194157	400194166	400194172
400194132	400194133	400194111	400194127	400194130
400194078

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

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ALT Loan ID

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

400192933

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be graded B for all agencies. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

400167607

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing rent comparable schedule form 1007

Resolved-Received 1007 on the subject property. Resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached 1007 on the subject property with rental amount that matches what UW used to qualify - Buyer-XX/XX/XXXX

Open-Missing rent comparable schedule form 1007. Additional conditions may apply upon receipt of documentation.
- XXXXX-XX/XX/XXXX

Resolved-Received 1007 on the subject property. Resolved. - XXXXX-XX/XX/XXXX

XXXXX

Investment

Purchase

XXXX

N/A

400161045

XXXXX

XXXX

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Assets

Asset 2 Does Not Meet Guideline Requirements

Ready for Review-Bank statements were uploaded - Seller-XX/XX/XXXX

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - XXXXX-XX/XX/XXXX

Long term homeowner, FICO > 10 pts above requirement

Investment

Purchase

XXXX

Originator Post-Close

400161045

XXXXX

XXXX

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

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

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. PCE uploaded - Seller-XX/XX/XXXX

Counter-Asset provided does Not Meet G/L Requirements. Account is dated after the Note. Note is dated XX/XX/XXXX and statement provided is dated XX/XX/XXXX. - XXXXX-XX/XX/XXXX

Ready for Review-XX #XXXX uploaded to cover the $X,XXX.XX shortage of reserves. - Seller-XX/XX/XXXX

Open-Audited Reserves of 2.72 month(s) are less than Guideline Required Reserves of 3 month(s) - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. PCE uploaded - Seller-XX/XX/XXXX

Ready for Review-XX #XXXX uploaded to cover the $X,XXX.XX shortage of reserves. - Seller-XX/XX/XXXX

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - XXXXX-XX/XX/XXXX

XXXXX

Long term homeowner, FICO > 10 pts above requirement

Investment

Purchase

XXXX

Originator Post-Close

400161045

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX #XXXX attached to cover the $X,XXX.XX shortage of reserves - Seller-XX/XX/XXXX

Open-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. XX #XXXX attached to cover the $X,XXX.XX shortage of reserves - Seller-XX/XX/XXXX

Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - XXXXX-XX/XX/XXXX

XXXXX

Investment

Purchase

XXXX

N/A

400175486

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Investment

Purchase

XXXX

Investor Post-Close

400192919

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

400178859

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Borrowing Entity of Evidence of Good Standing

Resolved-Evidence of Good Standing provided - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the upl doc - Buyer-XX/XX/XXXX

Open-Missing Evidence of Good Standing. - XXXXX-XX/XX/XXXX

Resolved-Evidence of Good Standing provided - XXXXX-XX/XX/XXXX

XXXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

400178939

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Thank you for providing the payment history. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Upload VOM with 2 delinquencies and the payment history showing that the 2 late payments were 1x30 and the other was less than 30 past due. - Buyer-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The VOM in file indicates the payment history on the subject property has been delinquent 2X but does not contain the dates of delinquency or if the delinquent payments were 30,60 or 90 days late. Additional conditions may apply upon receipt of documentation. - XXXXX-XX/XX/XXXX

XXXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400175463

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Resolved. - XXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap credit report or Undisclosed Debt Monitoring (UDM) report no more than 30 days prior to closing or any time after closing. No Gap Report or UDM in file. - XXXXX-XX/XX/XXXX

Resolved-Resolved. - XXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

400175463

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

PUD Rider is Missing

Resolved-PUD Rider and LOI to record provided. Resolved.  - XXXXX-XX/XX/XXXX

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. letter of intent - Buyer-XX/XX/XXXX

Counter-Mortgage indicates re-recording required due to PUD Rider missing. Please clarify if it has already been re-recorded or provide LOI to re-record. Not resolved.  - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Upld PUD rider  - Buyer-XX/XX/XXXXX Riders – PUD Rider - XXXXX-XX/XX/XXXX

Resolved-PUD Rider and LOI to record provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

N/A

400175463

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:APR

Federal - Closed End APR Disclosure Tolerance (Regular)

Resolved-Resolved - Final CD document provided - XXXXX-XX/XX/XXXX

Resolved- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-uploaded final CD - Buyer-XX/XX/XXXX

Open-The disclosed APR (0.0) is lower than the actual APR (7.555) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Missing Final CD. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Resolved - Final CD document provided - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Resolved - Final CD document provided - XXXXX-XX/XX/XXXX

Resolved- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-upload final CD - Buyer-XX/XX/XXXX

Open-The disclosed finance charge ($X,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $X,XXX.XX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Missing Final CD. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Resolved - Final CD document provided - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Disclosure Tolerance

Resolved-Resolved - Final CD document provided - XXXXX-XX/XX/XXXX

Resolved- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-upload final CD - Buyer-XX/XX/XXXX

Open-The disclosed Total of Payments ($X,XXX.XX) is understated by more than $X,XXX.XX when compared to the actual Total of Payments ($X,XXX.XX). The difference is ($X,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $X,XXX.XX. (12 CFR 1026.38(o)(1)) Missing Final CD. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Resolved - Final CD document provided - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Predatory:Restrictions

Federal - Section 32 Disclosure Required (High Cost)

Resolved-Resolved - Final CD document provided - XXXXX-XX/XX/XXXX

Resolved- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-upload final CD - Buyer-XX/XX/XXXX

Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) Missing Final CD. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Resolved - Final CD document provided - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Predatory:LateFees

Federal - Maximum Late Fee (XX/XX)

Resolved-Final CD Document provided. Finding Resolved - XXXXX-XX/XX/XXXX

Resolved- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-upload final CD - Buyer-XX/XX/XXXX

Open-You submitted a late fee amount of ($X,XXX.XX) and a (5.0%) Late Fee Percent. In connection with a XXXXX any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) Missing Final CD. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Final CD Document provided. Finding Resolved - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Received COC dated XX/XX/XXXX for increase points. Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Lender provided the Final CD, we need COC for increase in Points: Loan Discount Fee, condition remains - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Counter- - XXXXX-XX/XX/XXXX

Open-Lender re-sent the Final CD; however, we need the COC for the increase in Discount Points fee. condition remains the same - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Upld is the final CD - Buyer-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Received COC dated XX/XX/XXXX for increase points. Resolved - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Received COC dated XX/XX/XXXX for increase points. Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Counter-Lender provided the Final CD, we need COC for increase in Points: Loan Discount Fee, condition remains - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Counter-Lender re-sent the Final CD; however, we need the COC for the increase in Discount Points fee. condition remains the same - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Upld Final CD - Buyer-XX/XX/XXXX

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-Received COC dated XX/XX/XXXX for increase points. Resolved - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Mavent

HighCost: APR/FEES

Resolved-Upld COC  - Buyer-XX/XX/XXXX
Resolved- - XXXXX-XX/XX/XXXX
Ready for Review- - XXXXX-XX/XX/XXXX
Resolved- - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Buyer-XX/XX/XXXX
Open-The loan fees ($X,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$X,XXX.XX) fee limit, which is 5% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.32). - XXXXX-XX/XX/XXXX
Open- - XXXXX-XX/XX/XXXX
Open- - XXXXX-XX/XX/XXXX
Open- - XXXXX-XX/XX/XXXX
Ready for Review-upload final CD  - Buyer-XX/XX/XXXX
Open-The loan fees ($X,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$X,XXX.XX) fee limit, which is 5% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.32). Missing Final CD. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - XXXXX-XX/XX/XXXX
Open- - XXXXX-XX/XX/XXXX
Open- - XXXXX-XX/XX/XXXX
Open- - XXXXX-XX/XX/XXXX

Resolved-Upld COC - Buyer-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Final Closing Disclosure received. Resolved - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-TRID: Missing Final Closing Disclosure Missing Final CD. Compliance will be re-reviewed upon receipt of the final CD. Additional conditions may apply. - XXXXX-XX/XX/XXXX

Resolved-Final Closing Disclosure received. Resolved - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400175621

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

400192894

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

ECOA: Appraisal Not Provided to Applicant

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Borrower’s waiver of right to receive copy of appraisal attached - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. please see upl docs - Buyer-XX/XX/XXXX

Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400192894

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Resolved-Borrower 1 Gap Credit Report is not missing. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. please see the upl doc - Buyer-XX/XX/XXXX

Open-Borrower 1 Gap Credit Report is Missing. Undisclosed Debt Monitoring (UDM) report provided on page #828 shows ordered date as XX/XX/XXXX which is not within 30 days prior to loan closing date per GL 1.5.2 page #24 - XXXXX-XX/XX/XXXX

Resolved-Borrower 1 Gap Credit Report is not missing. - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400178792

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Thank you for providing the VOM. Resolved.  - XXXXX-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Upload revised VOM - Buyer-XX/XX/XXXX

Counter-Please correct the VOM so the subject property address on form matches our subject.  Thank you. - XXXXX-XX/XX/XXXX

Ready for Review-This loan is a refinance transaction, when that is the case, the underwriter can use a 1007 or alternative market rent analysis similar to form 1007.  We only have a 1007 in the file and that is what the underwriter used for their DSCR calculation.  The XXXXX that is part of the appraisal was information pulled by the appraiser for their own personal use in order to provide us with a completed form 1007.  XXXXX reports that are used by XXX underwriters are only allowed on purchase transactions, this is a refinance.  The underwriter correctly used the 1007 as that is the only short-term rental documentation required by guidelines to calculate the DSCR.  Please escalate this to a manager, thank you. - Buyer-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The subject property address on the VOM does not match the address on the Note. - XXXXX-XX/XX/XXXX

Resolved-Thank you for providing the VOM. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - XXXXX-XX/XX/XXXX

XXXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400178792

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Debt Service Coverage Ratio below guideline minimum

Resolved-DSCR is > 1. Finding resolved.  - XXXXX-XX/XX/XXXX

Ready for Review-This loan is a refinance transaction, when that is the case, the underwriter can use a 1007 or alternative market rent analysis similar to form 1007.  We only have a 1007 in the file and that is what the underwriter used for their DSCR calculation.  The XXXXX that is part of the appraisal was information pulled by the appraiser for their own personal use in order to provide us with a completed form 1007.  XXXXX reports that are used by XXX underwriters are only allowed on purchase transactions, this is a refinance.  The underwriter correctly used the 1007 as that is the only short-term rental documentation required by guidelines to calculate the DSCR.  Please escalate this to a manager, thank you. - Seller-XX/XX/XXXX

Counter-Understood XXXXX is only used for purchases; however, the GLs also note, "when short term rental income is documented using multiple sources, the lowest monthly income source is to be utilized for calculating DSCR".  Finding not resolved.  - XXXXX-XX/XX/XXXX

Ready for Review-XXXXX is only used for purchases  - Buyer-XX/XX/XXXX

Open-Audited DSCR of 0.630 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.63 is below guideline minimum of 1.00%. Lender used figure from form 1007 after applying 20% expense factor; however, lender's guidelines indicate that when short-term rental income is documented using multiple sources, the lowest monthly income source is to be utilized. As a result, the DSCR calculation was taken from the AiDNA report after applying the 20% expense factor. - XXXXX-XX/XX/XXXX

Ready for Review-This loan is a refinance transaction, when that is the case, the underwriter can use a 1007 or alternative market rent analysis similar to form 1007. We only have a 1007 in the file and that is what the underwriter used for their DSCR calculation. The XXXXX that is part of the appraisal was information pulled by the appraiser for their own personal use in order to provide us with a completed form 1007. XXXXX reports that are used by XXX underwriters are only allowed on purchase transactions, this is a refinance. The underwriter correctly used the 1007 as that is the only short-term rental documentation required by guidelines to calculate the DSCR. Please escalate this to a manager, thank you. - Seller-XX/XX/XXXX

Resolved-DSCR is > 1. Finding resolved. - XXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400178792

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Transaction Ineligible

Resolved-DSCR is > 1.  Finding resolved.  - XXXXX-XX/XX/XXXX

Ready for Review-This loan is a refinance transaction, when that is the case, the underwriter can use a 1007 or alternative market rent analysis similar to form 1007.  We only have a 1007 in the file and that is what the underwriter used for their DSCR calculation.  The XXXXX that is part of the appraisal was information pulled by the appraiser for their own personal use in order to provide us with a completed form 1007.  XXXXX reports that are used by XXX underwriters are only allowed on purchase transactions, this is a refinance.  The underwriter correctly used the 1007 as that is the only short-term rental documentation required by guidelines to calculate the DSCR.  Please escalate this to a manager, thank you. - Seller-XX/XX/XXXX

Counter-Understood XXXXX is only used for purchases; however, the GLs also note, "when short term rental income is documented using multiple sources, the lowest monthly income source is to be utilized for calculating DSCR".  Finding not resolved.  - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.  XXXXX referenced would not be allowed only permitted on purchase transactions, the subject loan is a cash out refinance. Please review and advise  - Seller-XX/XX/XXXX

Open-Lender's guidelines require the market score or sub-market score to be 60 or greater; however, the XXXXX report in file contains a submarket score of 54. - XXXXX-XX/XX/XXXX

Resolved-DSCR is > 1. Finding resolved. - XXXXX-XX/XX/XXXX

XXXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400178966

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies
- XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

400178862

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

400192907

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Gap Credit Report is Missing

Resolved-Gap report provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded.
Borrower 2 Gap Credit Report is Missing---UDM attached
- Buyer-XX/XX/XXXX

Open-Borrower 2 Gap Credit Report is Missing - XXXXX-XX/XX/XXXX

Resolved-Gap report provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Borrower 2 Gap Credit Report is not missing. - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400192907

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

400192913

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-COC provided. Finding resolved. - XXXXX-XX/XX/XXXX

Resolved-COC provided. Finding resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded is the change of circumstances - Seller-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The (Loan Amount (Points)) increased on the CD dated (XX/XX/XXXX) without a valid COC - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded is the change of circumstances - Seller-XX/XX/XXXX

Resolved-COC provided. Finding resolved. - XXXXX-XX/XX/XXXX

Resolved-COC provided. Finding resolved. - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400192913

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Updated income worksheet with 06/XXXX provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Audited DTI of 43.16% is less than or equal to Guideline DTI of 50% - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Revised income worksheet attached to support the UWs DTI of 43. The UW used a 15% expense factor since this is a small home-based service business. - Seller-XX/XX/XXXX

Open-Audited DTI of 52.38% exceeds Guideline DTI of 50% Audit calculated income is more conservative than the lender calculated income based on the documentation in the loan file. The Lender's income worksheet in file reflected an income $X,XXX.XX less per month than what was used to qualify. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Revised income worksheet attached to support the UWs DTI of 43. The UW used a 15% expense factor since this is a small home-based service business. - Seller-XX/XX/XXXX

Resolved-Updated income worksheet with 06/XXXX provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Audited DTI of 43.16% is less than or equal to Guideline DTI of 50% - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400192913

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Employment validation/verification standards do not meet requirements

Resolved-XXXX
- XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Employment validation/verification standards meet requirements - XXXXX-XX/XX/XXXX

Open-ATR Risk - Employment validation/verification standards do not meet requirements Audited income was more conservative resulting in the DTI exceeding lender guidelines. - XXXXX-XX/XX/XXXX

Resolved-XXXX
- XXXXX-XX/XX/XXXX

Resolved-ATR Risk - Employment validation/verification standards meet requirements - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

400192913

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-For providing the discount point COC. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - XXXXX-XX/XX/XXXX

Open- - XXXXX-XX/XX/XXXX

Resolved-For providing the discount point COC. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Resolved - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

N/A

400192913

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies
- XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

400194078

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

400194078

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Toolkit Missing or Incomplete

Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

400193010

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-VOM provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. VOM attached for subject property - Buyer-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Subject property mortgage originated on XX/XX/XXXX, however there is no payment proof prior to note date. - XXXXX-XX/XX/XXXX

Resolved-VOM provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - XXXXX-XX/XX/XXXX

XXXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400193010

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing Final HUD-1: HUD in file Not Signed or Stamped Certified

Resolved-Final HUD provided. Resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. final HUD was uploaded with credit pkg. pg. 32-34. I have re upload again. - Buyer-XX/XX/XXXX

Open-Missing Final HUD-1: Compliance testing utilized Unexecuted & Uncertified HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. Provided settlement statement was not signed or stamped certified require executed final settlement statement. - XXXXX-XX/XX/XXXX

Resolved-Final HUD provided. Resolved. - XXXXX-XX/XX/XXXX

XXXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400193125

XXXXX

XXXX

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Acknowledged-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Ready for Review-Please see attached PCE to send to TPR regarding the LTV/CLTV/HLTV defects. Let me know if you need anything else, thanks. - Seller-XX/XX/XXXX

Open-Audited LTV of 85% exceeds Guideline LTV of 80% The Guideline max LTV is 80% when borrowers are living rent-free. - XXXXX-XX/XX/XXXX

Ready for Review-Please see attached PCE to send to TPR regarding the LTV/CLTV/HLTV defects. Let me know if you need anything else, thanks. - Seller-XX/XX/XXXX

XXXXX

Ratios < 43%
Post-closing reserves > 12
Minimal Consumer Debt
Residual Income > $X,XXX.XXK

Primary Residence

Purchase

XXXX

Originator Post-Close

400193125

XXXXX

XXXX

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Acknowledged-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached PCE to send to TPR regarding the LTV/CLTV/HLTV defects. Let me know if you need anything else, thanks. - Buyer-XX/XX/XXXX

Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% The Guideline max CLTV is 80% when borrowers are living rent-free. - XXXXX-XX/XX/XXXX

XXXXX

Ratios < 43%
Post-closing reserves > 12 months
Minimal Consumer Debt
Residual Income > $X,XXX.XXK

Primary Residence

Purchase

XXXX

Originator Post-Close

400193125

XXXXX

XXXX

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Acknowledged-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached PCE to send to TPR regarding the LTV/CLTV/HLTV defects. Let me know if you need anything else, thanks. - Buyer-XX/XX/XXXX

Open-Audited HLTV of 85% exceeds Guideline HCLTV of 80% The Guideline max HLTV is 80% when borrowers are living rent-free. - XXXXX-XX/XX/XXXX

XXXXX

Ratios < 43%
Post-closing reserves > 12 months
Minimal Consumer Debt
Residual Income > $X,XXX.XXK

Primary Residence

Purchase

XXXX

Originator Post-Close

400193125

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

HPML: Delivery of Appraisal/Valuation to Applicant Not Timely

Resolved-Proof of timely delivery provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. appraisal report was sign on XX/XX/XXXX our POD for tracking was done on XX/XX/XXXX please see attached thank you :) - Seller-XX/XX/XXXX

Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. appraisal report was sign on XX/XX/XXXX our POD for tracking was done on XX/XX/XXXX please see attached thank you :) - Seller-XX/XX/XXXX

Resolved-Proof of timely delivery provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Purchase

XXXX

N/A

400192916

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies
- XXXXX-XX/XX/XXXX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXX

Investor Post-Close

400194111

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

State Reg

TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender

Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. see attached signed TX Fair Market Value disclosure - Buyer-XX/XX/XXXX

Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. Acknowledgment of Fair Market Value disclosure not signed by Lender. - XXXXX-XX/XX/XXXX

Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - XXXXX-XX/XX/XXXX

XXXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

N/A

400194130

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. This finding is non-material and will be rated B for all agencies. - XXXXX-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXX

Investor Post-Close

400194176

XXXXX

XXXX

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Per the XX/XX/XXXX lender matrix, the maximum permitted LTV for properties over 2 acres is 75%. The subject property exceeds this limit at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.
- XXXXX-XX/XX/XXXX

Long Term Homeowner
Experienced Investor
FICO > 10pts above requirement

Investment

Purchase

XXXX

Originator Pre-Close

Yes

400194176

XXXXX

XXXX

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% Per the XX/XX/XXXX lender matrix, the maximum permitted CLTV for properties over 2 acres is 75%. The subject property exceeds this limit at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.
- XXXXX-XX/XX/XXXX

Long Term Homeowner
Experienced Investor
FICO > 10pts above requirement

Investment

Purchase

XXXX

Originator Pre-Close

Yes

400194176

XXXXX

XXXX

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited HCLTV Exceeds Guideline HCLTV

Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Per the XX/XX/XXXX lender matrix, the maximum permitted HLTV for properties over 2 acres is 75%. The subject property exceeds this limit at 80%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.
- XXXXX-XX/XX/XXXX

Long Term Homeowner
Experienced Investor
FICO > 10pts above requirement

Investment

Purchase

XXXX

Originator Pre-Close

Yes

400192932

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX.This finding is non-material and will be rated a B for all agencies.
- XXXXX-XX/XX/XXXX

Investment

Purchase

XXXX

Investor Post-Close

400192944

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final HUD-1/Settlement Statement received, finding resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded FSS - Buyer-XX/XX/XXXX

Open-Final HUD-1 Document is Missing Additional findings may be required upon receipt of documentation. - XXXXX-XX/XX/XXXX

Resolved-Final HUD-1/Settlement Statement received, finding resolved. - XXXXX-XX/XX/XXXX

XXXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400193117

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Guaranty Agreement - Borrower 1

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Counter-Received comment to review closing package. Closing package has not been provided. Not resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Please see closing docs package. - Seller-XX/XX/XXXX

Open-Missing Guaranty Agreement for Borrower 1. - XXXXX-XX/XX/XXXX

Ready for Review-Please see closing docs package. - Seller-XX/XX/XXXX

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400193117

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Counter-Received comment to review closing package. Closing package has not been provided. Not resolved. - XXXXX-XX/XX/XXXX

Ready for Review-Please see closing docs package. - Seller-XX/XX/XXXX

Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - XXXXX-XX/XX/XXXX

Ready for Review-Please see closing docs package. - Seller-XX/XX/XXXX

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400193117

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-The Note is Present - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see closing docs package
- Buyer-XX/XX/XXXX

Open-The Note is Missing - XXXXX-XX/XX/XXXX

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-The Note is Present - XXXXX-XX/XX/XXXX

XXXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400193117

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

XXXXX/Deed of Trust

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-The Deed of Trust is Present - XXXXX-XX/XX/XXXX

Ready for Review-Please see closing docs package. - Seller-XX/XX/XXXX

Open-The Deed of Trust is Missing - XXXXX-XX/XX/XXXX

Ready for Review-Please see closing docs package. - Seller-XX/XX/XXXX

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-The Deed of Trust is Present - XXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400193117

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

XXXXX Riders - 1-4 Family Rider

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-The 1-4 Family Rider is Present - XXXXX-XX/XX/XXXX

Ready for Review-Please see closing docs package. - Buyer-XX/XX/XXXX

Open-1-4 Family Rider is Missing - XXXXX-XX/XX/XXXX

Resolved-closing package Provided. Resolved. - XXXXX-XX/XX/XXXX

Resolved-The 1-4 Family Rider is Present - XXXXX-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXX

N/A

400193117

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Evidence of business ownership and VOM provided. Resolved.  - XXXXX-XX/XX/XXXX
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. Please escalate to management for review. Uploaded is documentation showing borrower has ownership in medical center reflecting on PDR. The borrower has owned their primary residence for 10 years, it’s irrelevant as to why it’s changed from her LLC name to personal name over the years. - Seller-XX/XX/XXXX
Counter-Property profile for primary residence reviewed. Please provide LOE, the property has changed hands several times in recent years with all transaction involving a medical center and the borrower or borrowers relative. The VOM provided is for a mortgage to the borrower that originated XX/XX/XXXX, but according to the property records, the borrower was taken off title in XXXX and was not back on tile until XX/XX/XXXX. Not resolved.  - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. Per GL 1.5.5 < 12 mos history is acceptable if the following requirements are met…properties were owned XXX prior to obtain financing XX/XXXX
DTI may not exceed 45%
LTV may not exceed 80%
Any available portion of a 12-month housing history must be paid as agreed.
- Buyer-XX/XX/XXXX
Counter-VOW has only 6 months of history, need 12 months of history as per GL. Not resolved.  - XXXXX-XX/XX/XXXX
Ready for Review-Document Uploaded. VOM - Buyer-XX/XX/XXXX
Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Please escalate to management for review. Uploaded is documentation showing borrower has ownership in medical center reflecting on PDR. The borrower has owned their primary residence for 10 years, it’s irrelevant as to why it’s changed from her LLC name to personal name over the years. - Seller-XX/XX/XXXX

XXXXX

Primary property has only 6 months of history pg#207, need 12 months of history as per GL

Investment

Refinance

Cash Out - Other

XXXX

N/A

400194192

XXXXX

XXXX

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Appraisal

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

Resolved-1004 Provided. resolved. - XXXXX-XX/XX/XXXX

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - XXXXX-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded 1004D - Buyer-XX/XX/XXXX

Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal was completed Subject to completion, subject to installation of appliances and hood. A 1004D/Completion Report is missing - XXXXX-XX/XX/XXXX

Resolved-1004 Provided. resolved. - XXXXX-XX/XX/XXXX

Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - XXXXX-XX/XX/XXXX

XXXXX

Investment

Purchase

XXXX

N/A

400194011

XXXXX

XXXX

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - XXXXX-XX/XX/XXXX

Primary Residence

Purchase

XXXX

Investor Post-Close

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

ALT Loan ID

Loan ID

Seller Loan ID

Investor Loan ID

Original Loan Amount

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

400192933

XXXX

$X,XXX.XX

400160957

XXXX

$X,XXX.XX

400167607

XXXX

$X,XXX.XX

400161045

XXXX

$X,XXX.XX

400194261

XXXX

$X,XXX.XX

400194420

XXXX

$X,XXX.XX

400194181

XXXX

$X,XXX.XX

400175598

XXXX

$X,XXX.XX

400194351

XXXX

$X,XXX.XX

400178800

XXXX

$X,XXX.XX

400194308

XXXX

$X,XXX.XX

400175512

XXXX

$X,XXX.XX

400179076

XXXX

$X,XXX.XX

400178887

XXXX

$X,XXX.XX

400193079

XXXX

$X,XXX.XX

400175486

XXXX

$X,XXX.XX

400179037

XXXX

$X,XXX.XX

400192919

XXXX

$X,XXX.XX

400178859

XXXX

$X,XXX.XX

400178939

XXXX

$X,XXX.XX

400175463

XXXX

$X,XXX.XX

400175621

XXXX

$X,XXX.XX

400178842

XXXX

$X,XXX.XX

400192894

XXXX

$X,XXX.XX

400193110

XXXX

$X,XXX.XX

400194127

XXXX

$X,XXX.XX

400193111

XXXX

$X,XXX.XX

400178792

XXXX

$X,XXX.XX

400193077

XXXX

$X,XXX.XX

400178966

XXXX

$X,XXX.XX

400194247

XXXX

$X,XXX.XX

400193008

XXXX

$X,XXX.XX

400178862

XXXX

$X,XXX.XX

400192907

XXXX

$X,XXX.XX

400192971

XXXX

$X,XXX.XX

400193055

XXXX

$X,XXX.XX

400192913

XXXX

$X,XXX.XX

400194203

XXXX

$X,XXX.XX

400194133

XXXX

$X,XXX.XX

400194078

XXXX

$X,XXX.XX

400193010

XXXX

$X,XXX.XX

400194394

XXXX

$X,XXX.XX

400194437

XXXX

$X,XXX.XX

400194253

XXXX

$X,XXX.XX

400192930

XXXX

$X,XXX.XX

400193125

XXXX

$X,XXX.XX

400193068

XXXX

$X,XXX.XX

400192936

XXXX

$X,XXX.XX

400194157

XXXX

$X,XXX.XX

400193116

XXXX

$X,XXX.XX

400192916

XXXX

$X,XXX.XX

400194385

XXXX

$X,XXX.XX

400194111

XXXX

$X,XXX.XX

400194130

XXXX

$X,XXX.XX

400194268

XXXX

$X,XXX.XX

400194353

XXXX

$X,XXX.XX

400193013

XXXX

$X,XXX.XX

400192911

XXXX

$X,XXX.XX

400193121

XXXX

$X,XXX.XX

400194245

XXXX

$X,XXX.XX

400194176

XXXX

$X,XXX.XX

400192927

XXXX

$X,XXX.XX

400193027

XXXX

$X,XXX.XX

400194169

XXXX

$X,XXX.XX

400192932

XXXX

$X,XXX.XX

400194354

XXXX

$X,XXX.XX

400194266

XXXX

$X,XXX.XX

400194061

XXXX

$X,XXX.XX

400194444

XXXX

$X,XXX.XX

400194172

XXXX

$X,XXX.XX

400194319

XXXX

$X,XXX.XX

400192944

XXXX

$X,XXX.XX

400193092

XXXX

$X,XXX.XX

400194328

XXXX

$X,XXX.XX

400193118

XXXX

$X,XXX.XX

400194283

XXXX

$X,XXX.XX

400194217

XXXX

$X,XXX.XX

400193117

XXXX

$X,XXX.XX

400194259

XXXX

$X,XXX.XX

400194278

XXXX

$X,XXX.XX

400194192

XXXX

$X,XXX.XX

400194187

XXXX

$X,XXX.XX

400194360

XXXX

$X,XXX.XX

400194011

XXXX

$X,XXX.XX

400194132

XXXX

$X,XXX.XX

400194166

XXXX

$X,XXX.XX

400194205

XXXX

$X,XXX.XX

400193024

XXXX

$X,XXX.XX

400178949

XXXX

$X,XXX.XX

400192995

XXXX

$X,XXX.XX

400194258

XXXX

$X,XXX.XX

ALT Loan ID

Loan ID

Seller Loan ID

Investor Loan ID

Lender Application Date

Originator QM Status

Final QM Status

Originator QM Status Difference than Final QM Status?

Reason Why NonQM Final Status

APR Pricing Threshold Exceeded?

QM DTI Threshold Exceeded?

Higher Priced Mortgage Loan (HPML)?

Negatively Amortizing Loan?

Principal Deferment?

Interest Only Flag?

Prepayment Penalty?

Balloon Flag?

Adjustable Rate Balloon?

Loan Term Less Than 5 Years?

QM Points and Fees Threshold Exceeded?

QM Total Points and Fees

APR

ATR: Qualifying Payment Properly Considered?

ATR: Current Employment/Self-Employment Verified?

ATR: Balloon Qualifying Payment Properly Considered?

ATR: Reasonable Income or Assets Considered?

ATR: Subject PITIA Adequately Documented?

ATR: All Liabilities Including Alimony and Child Support in DTI?

ATR: Simultaneous Loan Calculated Properly

ATR: Credit History was Considered Properly?

ATR: Did Lender Document All ATR Factors?

ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?

Residual Income

Residual Income Meets Guidelines?

Borrower 1 Employment Indicator

Borrower 2 Employment Indicator

Borrower 1 Foreign National Indicator

Borrower 2 Foreign National Indicator

Business Purpose Loan?

Business Purpose Verified?

400192933

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.36

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

Not Employed

400160957

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400167607

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400161045

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194261

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194420

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.256

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

400194181

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175598

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

6.988

N/A

Yes

Present

400194351

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400178800

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

9.359

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400194308

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175512

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400179076

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178887

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400193079

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

7.63

N/A

Yes

Present

400175486

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

7.796

N/A

$X,XXX.XX

N/A

Employed

Yes

Present

400179037

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192919

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.939

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

400178859

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178939

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400175463

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.277

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400175621

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.541

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400178842

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192894

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.8

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

400193110

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194127

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

9.184

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400193111

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178792

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400193077

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178966

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.39

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400194247

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400193008

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400178862

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.567

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Not Employed

400192907

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.053

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

Not Employed

400192971

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400193055

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192913

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.808

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

400194203

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194133

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.549

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

400194078

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.908

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400193010

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194394

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194437

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.686

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400194253

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192930

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.627

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400193125

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.478

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400193068

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192936

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.924

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400194157

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.9

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Not Employed

400193116

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192916

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.95

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400194385

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194111

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.414

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400194130

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.378

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

400194268

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194353

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

7.311

N/A

Yes

Present

400193013

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192911

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

7.457

N/A

$X,XXX.XX

N/A

Employed

Yes

Present

400193121

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.646

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Not Employed

Retired

400194245

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194176

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192927

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.604

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400193027

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194169

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192932

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

7.93

N/A

$X,XXX.XX

N/A

Employed

Yes

Present

400194354

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194266

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194061

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.073

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400194444

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.253

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

400194172

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194319

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400192944

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400193092

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194328

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400193118

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194283

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194217

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400193117

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194259

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194278

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194192

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

400194187

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194360

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194011

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.643

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400194132

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.251

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

400194166

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194205

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400193024

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

6.784

N/A

Yes

Present

400178949

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.855

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

400192995

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

400194258

XXXX

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

ALT Loan ID

Loan ID

Seller Loan ID

Investor Loan ID

Loan Program

Guideline Product Name

Originator Name

Originating Entity CDFI Flag

Guideline Name

Guideline Author

Guideline Date

Guideline Version

Application Date

TILA Status

TRID

GSE

Verified Safe Harbor Flag

Verified Safe Harbor Reference Document

QM Regulation Failures

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

AUS Decision System

Rating Result

Property Inspection Waiver (PIW)

Calculated APR

HUD 1 Page 1 Credits Total

Verified Qualifying Rate

Originator Qualifying Rate

Qualifying P&I

Default Interest Rate Present

Default Interest Rate

Annual Property Tax

Monthly Property Tax

Annual Insurance Costs

Monthly Insurance Cost

Annual HOA Costs

Monthly HOA Costs

Monthly Other Costs

PITIA

Residual Income

HOA Questionnaire Flag

HOA Name

HOA Address State

HOA Fee Amount

HOA Next Due Date

HOA Payment Frequency

Originator DTI

TPR Verified DTI

QM DTI

Is Borrower Non Occupant

Is Co Borrower Non Occupant

Co Borrower 2 Asset Verification Level

Co Borrower 3 Asset Verification Level

Co Borrower 2 Income Verification Level

Co Borrower 3 Income Verification Level

Co Borrower 2 Employment Verification Level

Co Borrower 3 Employment Verification Level

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower 2 Length of Employment

Co Borrower 3 Length of Employment

Document Level

Borrower Years of W2s/1099

CoBorrower Years of W2s/1099

Borrower Months of Paystubs Verified

Co Borrower Months of Paystubs Verified

Borrower Employment Gap Letter

Borrower Months of Employment Gap

Co Borrower Employment Gap Letter

Co Borrower Months of Employment Gap

Borrower Years of Personal Tax Returns

Borrower Years of Business Tax Returns

CoBorrower Years of Personal Tax Returns

CoBorrower Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Borrower Award/Offer Letter

Co Borrower Award/Offer Letter

Asset Depletion Flag

Partial Asset Depletion Flag

Asset Depletion Months Amortized

Asset Utilization Flag (No DTI)

Borrower Bank Statements Flag

Borrower Bank Statement Summary/Lender Worksheet

Borrower Number of Personal Bank Statements

Borrower Number of Business Bank Statements

CoBorrower Bank Statements Flag

Co Borrower Bank Statement Summary/Lender Worksheet

CoBorrower Number of Personal Bank Statements

CoBorrower Number of Business Bank Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

Bespoke Eligible Assets

Borrower P&L Type

Borrower Number of Months P&L

Borrower P&L Prepared By

CoBorrower P&L Type

CoBorrower P&L Prepared By

CoBorrower Number of Months P&L

Borrower CPA Letter Flag

# of Months CPA verified income

CoBorrower CPA Letter Flag

CoBorrower # of Months CPA verified income

Borrower WVOE Flag

Borrower # of Months Employment Validated WVOE

Borrower # of Months Income Validated WVOE

Borrower WVOE Form Type

CoBorrower WVOE Flag

CoBorrower # of Months WVOE

CoBorrower # of Months Income Validated WVOE

CoBorrower WVOE Form Type

DSCR Flag

TPR DSCR

Originator DSCR

Expense Letter

Income Doc Detail

Tax Return Doc Details

Property Address

Property City

Property State

Property Zip

Property County

Original Credit Report Date

Borrower 1 Credit Report Date

Borrower 2 Credit Report Date

Borrower 3 Credit Report Date

Borrower 4 Credit Report Date

Qualifying Credit Score

Third Wage Earner Original FICO Equifax

Third Wage Earner Original FICO Experian

Third Wage Earner Original FICO Transunion

Fourth Wage Earner Original FICO Equifax

Fourth Wage Earner Original FICO Experian

Fourth Wage Earner Original FICO Transunion

Most Recent Co Borrower 2 FICO

Most Recent Co Borrower 3 FICO

400192933

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

7.36%

6.88%

$985.39

$X,XXX.XX

$1,393.17

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

12.87%

12.63%

Self-Employed

Not Employed

1YR Full Doc

1 Month

N/A

Yes

N/A

0.00%

100.00%

0.00%

Borrower Prepared

Borrower

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other - YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - XXXX, XXXX || Co Borrower - Other - null W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX || Co Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

695

400160957

XXXX

DSCR

TBDFX30IO

XXXXX

XXX Non Agency Guidelines_05.19.XXXX/ XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.50%

$969.00

Yes

20.00%

$X,XXX.XX

$1,424.68

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.123

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

XXXXX

XX/XX/XXXX

747

400167607

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I / XXXXX_05.15.26I

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$2,198.01

Yes

20.00%

$X,XXX.XX

$2,621.52

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.763

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

XXXXX

XX/XX/XXXX

749

400161045

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$7,168.37

Yes

20.00%

$X,XXX.XX

$8,868.35

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.218

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

XXXXX

XX/XX/XXXX

788

400194261

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX_05.15.26

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$1,392.94

Yes

20.00%

$X,XXX.XX

$1,851.42

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.35

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

XXXXX

XX/XX/XXXX

707

400194420

XXXX

NQXXX 30 Yr Fixed Full Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

0.00%

Manual Underwriting

7.26%

6.88%

$2,627.72

$X,XXX.XX

$3,533.40

$X,XXX.XX

N/A

$0.00

44.66%

Yes

Employed

2YR Full Doc

2+ Months

N/A

Yes

N/A

0.00%

N/A

Yes

178

FNMA 1005

Borrower - Wage, Bonus, Other - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - XXXX, XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - XXXX, XXXX, XXXX

XXXXX

XX/XX/XXXX

698

400194181

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I / XXXXX_05.15.26I

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$4,449.38

Yes

20.00%

$X,XXX.XX

$5,286.09

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.01

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

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

XXXXX

XX/XX/XXXX

742

400175598

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX_05.15.26

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

6.99%

6.75%

$1,465.83

Yes

20.00%

$X,XXX.XX

$1,999.03

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

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

XXXXX

XX/XX/XXXX

661

400194351

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$1,056.38

Yes

20.00%

$X,XXX.XX

$1,225.35

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.02

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

XXXXX

XX/XX/XXXX

765

400178800

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

0.00%

Manual Underwriting

9.36%

8.75%

$1,103.35

$X,XXX.XX

$2,175.63

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

33.90%

Yes

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

700

400194308

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.25%

$1,227.92

Yes

20.00%

$X,XXX.XX

$1,599.79

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.075

1.074

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

XXXXX

XX/XX/XXXX

713

400175512

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$2,115.31

Yes

20.00%

$X,XXX.XX

$2,669.17

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

0.843

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

XXXXX

XX/XX/XXXX

763

400179076

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I / XXXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$1,387.28

$X,XXX.XX

$1,586.87

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.26

1.257

XXXXX

XX/XX/XXXX

648

400178887

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$1,692.38

Yes

20.00%

$X,XXX.XX

$2,316.74

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.079

1.069

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

XXXXX

XX/XX/XXXX

744

400193079

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

7.63%

7.00%

$1,440.05

Yes

20.00%

$X,XXX.XX

$1,869.47

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.123

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

XXXXX

XX/XX/XXXX

661

400175486

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

7.80%

7.38%

$16,299.93

Yes

20.00%

$X,XXX.XX

$21,258.47

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

30.87%

29.51%

Yes

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 1 YR Executed 4506T Verified - XXXX, XXXX

Borrower - 1 YR Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

792

400179037

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.99%

$1,276.09

Yes

20.00%

$X,XXX.XX

$1,438.41

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.251

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

XXXXX

XX/XX/XXXX

763

400192919

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.51%

Manual Underwriting

6.94%

6.63%

$7,683.73

$X,XXX.XX

$10,024.16

$X,XXX.XX

N/A

$0.00

49.31%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

662

400178859

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.13%

$3,742.19

Yes

20.00%

$X,XXX.XX

$4,027.98

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.071

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

XXXXX

XX/XX/XXXX

719

400178939

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$3,650.19

Yes

20.00%

$X,XXX.XX

$4,623.41

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.136

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

XXXXX

XX/XX/XXXX

754

400175463

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX / Non-QXXX_03.23.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

7.28%

6.88%

$2,944.28

$X,XXX.XX

$3,386.44

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

36.58%

33.76%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

725

400175621

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.42%

Manual Underwriting

7.54%

6.88%

$4,582.08

$X,XXX.XX

$5,715.25

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

48.34%

Self-Employed

24 XXXXX Statement

Less than 1 Month

N/A

Yes

84.14%

100.00%

Stocks/Bonds

N/A

Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

709

400178842

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$2,995.67

Yes

20.00%

$X,XXX.XX

$3,404.02

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.768

XXXXX

XX/XX/XXXX

723

400192894

XXXX

NQXXX 40 Yr Fixed ALT Doc IO

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

6.80%

6.75%

$11,934.20

$X,XXX.XX

$13,180.17

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

45.48%

45.50%

Self-Employed

12 XXXXX Statement

N/A

Yes

99.09%

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

791

400193110

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I / XXXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.50%

$993.82

Yes

20.00%

$X,XXX.XX

$1,647.49

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.184

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

XXXXX

XX/XX/XXXX

629

400194127

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

9.18%

8.75%

$2,755.02

$X,XXX.XX

$3,839.43

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

28.90%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

768

400193111

XXXX

DSCR

FNTBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I / XXXXX_05.15.26E

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.50%

$1,398.43

Yes

20.00%

$X,XXX.XX

$1,983.87

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.008

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

XXXXX

XX/XX/XXXX

680

400178792

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.75%

$5,767.12

$X,XXX.XX

$7,322.37

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.18

1.139

XXXXX

XX/XX/XXXX

717

400193077

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.00%

$2,249.33

Yes

20.00%

$X,XXX.XX

$2,795.50

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

1.001

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

XXXXX

XX/XX/XXXX

726

400178966

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

8.39%

7.88%

$1,573.40

$X,XXX.XX

$1,833.02

$X,XXX.XX

N/A

$0.00

35.17%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

641

400194247

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$1,056.38

Yes

20.00%

$X,XXX.XX

$1,258.98

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.43

1.429

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

XXXXX

XX/XX/XXXX

716

400193008

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I / XXXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.25%

$6,380.05

Yes

20.00%

$X,XXX.XX

$7,801.56

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.171

1.17

XXXXX

XX/XX/XXXX

780

400178862

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

6.57%

6.25%

$1,939.51

$X,XXX.XX

$3,285.43

$X,XXX.XX

N/A

$0.00

37.16%

Not Employed

Asset Depletion – Total Asset Calculation

N/A

Yes

N/A

0.00%

N/A

Borrower - Asset Depletion - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

735

400192907

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

7.05%

6.75%

$4,603.42

$X,XXX.XX

$5,635.84

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

20.48%

Self-Employed

Not Employed

12 XXXXX Statement

N/A

Yes

N/A

100.00%

N/A

Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXX, XXXX || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX || Co Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

747

400192971

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.50%

$1,048.82

Yes

20.00%

$X,XXX.XX

$1,211.03

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.156

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

XXXXX

XX/XX/XXXX

768

400193055

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$1,083.93

Yes

20.00%

$X,XXX.XX

$1,395.20

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.433

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

XXXXX

XX/XX/XXXX

748

400192913

XXXX

NQXXX 40 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

8.81%

8.75%

$4,095.57

$X,XXX.XX

$4,887.60

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

43.16%

Self-Employed

12 XXXXX Statement

N/A

Yes

77.46%

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

687

400194203

XXXX

DSCR

TBDX30IO

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.63%

$1,206.30

Yes

20.00%

$X,XXX.XX

$1,610.77

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.226

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

XXXXX

XX/XX/XXXX

804

400194133

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

7.55%

7.38%

$6,685.74

$X,XXX.XX

$8,044.85

$X,XXX.XX

N/A

$0.00

46.21%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

CPA

N/A

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

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

758

400194078

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.53%

Manual Underwriting

8.91%

8.38%

$912.09

$X,XXX.XX

$1,152.43

$X,XXX.XX

N/A

$0.00

16.44%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

669

400193010

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$2,432.24

Yes

20.00%

$X,XXX.XX

$3,302.07

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.529

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

XXXXX

XX/XX/XXXX

741

400194394

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.38%

$875.43

Yes

20.00%

$X,XXX.XX

$1,202.38

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.58

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

XXXXX

XX/XX/XXXX

752

400194437

XXXX

NQXXX 30 Yr Fixed Full Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

6.69%

6.63%

$5,890.86

$X,XXX.XX

$6,693.88

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

35.38%

Employed

2YR Full Doc

1 Month

N/A

0.00%

N/A

Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX

XXXXX

XX/XX/XXXX

761

400194253

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$842.27

Yes

20.00%

$X,XXX.XX

$1,130.19

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.15

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

XXXXX

XX/XX/XXXX

719

400192930

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

8.63%

8.00%

$2,824.99

$X,XXX.XX

$3,280.49

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

40.51%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

694

400193125

XXXX

NQXXX 30 Yr Fixed Full Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

8.48%

8.25%

$2,292.49

$X,XXX.XX

$3,263.71

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

36.28%

36.09%

Employed

2YR Full Doc

1 Month

2+ Months

N/A

0.00%

N/A

Yes

FNMA 1005

Yes

FNMA 1005

Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX || Co Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX

XXXXX

XX/XX/XXXX

709

400193068

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$4,910.32

Yes

20.00%

$X,XXX.XX

$5,185.07

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.342

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

XXXXX

XX/XX/XXXX

791

400192936

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

6.92%

6.88%

$14,784.18

$X,XXX.XX

$17,701.79

$X,XXX.XX

N/A

$0.00

42.76%

Self-Employed

24 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX

XXXXX

XX/XX/XXXX

724

400194157

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX / Non-QXXX_05-15-26l

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.53%

Manual Underwriting

6.90%

6.63%

$7,395.59

$X,XXX.XX

$9,400.90

$X,XXX.XX

N/A

$0.00

48.09%

48.27%

Not Employed

Asset Depletion – Debt Ratio Calculation

N/A

Yes

N/A

0.00%

N/A

Borrower - Asset Depletion - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

708

400193116

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.00%

$2,747.70

Yes

20.00%

$X,XXX.XX

$3,852.64

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.454

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

XXXXX

XX/XX/XXXX

684

400192916

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

6.95%

6.75%

$2,692.98

$X,XXX.XX

$3,605.74

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

24.20%

24.07%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

776

400194385

XXXX

DSCR

TBDFX40

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$1,072.53

Yes

20.00%

$X,XXX.XX

$1,407.78

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.066

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

XXXXX

XX/XX/XXXX

675

400194111

XXXX

TX50a6 NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

8.41%

8.25%

$3,798.40

$X,XXX.XX

$5,611.60

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

42.80%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

690

400194130

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

7.38%

7.25%

$5,784.85

$X,XXX.XX

$6,726.26

$X,XXX.XX

N/A

$0.00

43.31%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Third-Party Prepared (Unaudited)

Tax Preparer

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

792

400194268

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.49%

$4,793.66

Yes

20.00%

$X,XXX.XX

$5,705.47

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.262

1.261

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

XXXXX

XX/XX/XXXX

723

400194353

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX_05.15.26

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

7.31%

7.00%

$3,177.48

Yes

20.00%

$X,XXX.XX

$3,705.82

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.349

XXXXX

XX/XX/XXXX

805

400193013

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$1,322.92

Yes

20.00%

$X,XXX.XX

$1,834.47

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.254

1.253

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

XXXXX

XX/XX/XXXX

723

400192911

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

7.46%

7.13%

$4,311.26

Yes

20.00%

$X,XXX.XX

$5,124.54

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

14.62%

Yes

Self-Employed

12 XXXXX Statement

N/A

Yes

92.16%

50.00%

N/A

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

Borrower

XXXXX

XX/XX/XXXX

695

400193121

XXXX

NQXXX 30 Yr Fixed Full Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

6.65%

6.38%

$1,871.61

$X,XXX.XX

$3,006.36

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

33.53%

Not Employed

Retired

1YR Full Doc

N/A

Yes

N/A

0.00%

Proceeds from Sale

N/A

Borrower - 3 YRS Executed 4506T Verified || Co Borrower - Other, Retirement, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified

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

XXXXX

XX/XX/XXXX

789

400194245

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$2,014.72

Yes

20.00%

$X,XXX.XX

$2,773.89

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

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

XXXXX

XX/XX/XXXX

740

400194176

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.13%

$1,098.90

Yes

20.00%

$X,XXX.XX

$1,551.94

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.031

XXXXX

XX/XX/XXXX

735

400192927

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

6.60%

6.50%

$9,101.78

$X,XXX.XX

$12,083.38

$X,XXX.XX

Yes

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

37.60%

Self-Employed

12 XXXXX Statement

N/A

Yes

94.59%

100.00%

Stocks/Bonds

N/A

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

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

803

400193027

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I / XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$1,404.19

Yes

20.00%

$X,XXX.XX

$1,672.15

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.196

XXXXX

XX/XX/XXXX

729

400194169

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.00%

$979.33

Yes

20.00%

$X,XXX.XX

$1,415.69

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.06

1.059

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

XXXXX

XX/XX/XXXX

804

400192932

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I / Non-QXXX_05.15.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

7.93%

7.38%

$1,921.80

$X,XXX.XX

$2,565.21

$X,XXX.XX

N/A

$0.00

28.61%

31.98%

Yes

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX

XXXXX

XX/XX/XXXX

706

400194354

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$2,883.02

Yes

20.00%

$X,XXX.XX

$3,793.79

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.213

1.367

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

XXXXX

XX/XX/XXXX

766

400194266

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines10.28.25E.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$1,106.12

Yes

20.00%

$X,XXX.XX

$1,811.11

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.215

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

XXXXX

XX/XX/XXXX

794

400194061

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.53%

Manual Underwriting

7.07%

6.88%

$4,388.28

$X,XXX.XX

$5,496.54

$X,XXX.XX

N/A

$0.00

41.46%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

764

400194444

XXXX

NQXXX 30 Yr Fixed Full Doc

XXXXX

XXX Non Agency Guidelines_05.19.26I

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

8.25%

8.13%

$1,767.14

$X,XXX.XX

$2,067.42

$X,XXX.XX

N/A

$0.00

48.17%

45.61%

Employed

2YR Full Doc

2+ Months

N/A

0.00%

N/A

Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX

Borrower - 3 YRS Executed 4506T Verified - XXXX, XXXX, XXXX

XXXXX

XX/XX/XXXX

621

400194172

XXXX

DSCR

TBDFX30IO

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.63%

$1,797.58

Yes

20.00%

$X,XXX.XX

$2,247.55

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.057

1.056

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

XXXXX

XX/XX/XXXX

781

400194319

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.38%

$4,264.01

Yes

20.00%

$X,XXX.XX

$4,742.28

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.15

XXXXX

XX/XX/XXXX

713

400192944

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$2,171.18

Yes

20.00%

$X,XXX.XX

$2,464.68

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.166

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

XXXXX

XX/XX/XXXX

745

400193092

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$980.93

Yes

20.00%

$X,XXX.XX

$1,431.77

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.257

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

XXXXX

XX/XX/XXXX

794

400194328

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$1,792.40

Yes

20.00%

$X,XXX.XX

$2,249.11

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

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

XXXXX

XX/XX/XXXX

744

400193118

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.99%

$4,153.93

Yes

20.00%

$X,XXX.XX

$5,044.60

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.388

1.387

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

XXXXX

XX/XX/XXXX

674

400194283

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$6,279.06

Yes

20.00%

$X,XXX.XX

$7,320.10

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.125

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

XXXXX

XX/XX/XXXX

789

400194217

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.38%

$1,790.51

Yes

20.00%

$X,XXX.XX

$3,401.98

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.117

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

XXXXX

XX/XX/XXXX

671

400193117

XXXX

DSCR

TBDFX40

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.63%

$3,150.23

$X,XXX.XX

$4,191.82

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.026

1.014

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

XXXXX

XX/XX/XXXX

684

400194259

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.50%

$1,426.33

Yes

20.00%

$X,XXX.XX

$1,760.50

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.568

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

XXXXX

XX/XX/XXXX

758

400194278

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.88%

$788.51

Yes

20.00%

$X,XXX.XX

$953.48

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.259

1.25

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

XXXXX

XX/XX/XXXX

701

400194192

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.38%

$998.19

Yes

20.00%

$X,XXX.XX

$1,822.35

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.646

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

XXXXX

XX/XX/XXXX

732

400194187

XXXX

DSCR

TBDFX30IO

XXXXX

XXX Non Agency Guidelines_05.19.26I/XXXXX_05.15.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$2,275.00

Yes

20.00%

$X,XXX.XX

$2,694.65

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.002

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

XXXXX

XX/XX/XXXX

749

400194360

XXXX

DSCR

TBDFX30

XXXXX

XXX Non-Agency Guidelines 10.28.25E2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.38%

$2,891.17

Yes

20.00%

$X,XXX.XX

$4,247.46

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.824

XXXXX

XX/XX/XXXX

739

400194011

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.49%

Manual Underwriting

6.64%

6.25%

$2,315.10

$X,XXX.XX

$3,234.87

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

26.88%

26.70%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

776

400194132

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

XXXXX Non-Agency Guidelines

XXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

7.25%

6.88%

$2,949.61

$X,XXX.XX

$3,535.50

$X,XXX.XX

N/A

$0.00

41.67%

46.47%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

N/A

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

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

689

400194166

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$7,264.30

Yes

20.00%

$X,XXX.XX

$11,664.29

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.994

2.958

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

XXXXX

XX/XX/XXXX

742

400194205

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.50%

$1,633.37

Yes

20.00%

$X,XXX.XX

$2,339.66

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.004

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

XXXXX

XX/XX/XXXX

736

400193024

XXXX

DSCR

TBDFX40

XXXXX

XXX Non-Agency Guidelines 5.19.26E2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

6.78%

6.50%

$778.66

Yes

20.00%

$X,XXX.XX

$1,095.01

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.466

2.465

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

XXXXX

XX/XX/XXXX

762

400178949

XXXX

NQXXX 30 Yr Fixed ALT Doc

XXXXX

Non-Agency Guidelines XX/XX/XXXX / Non-QXXX_03.23.26E

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

7.86%

7.63%

$8,143.59

$X,XXX.XX

$9,348.21

$X,XXX.XX

N/A

XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

28.97%

Self-Employed

12 XXXXX Statement

N/A

Yes

100.00%

33.00%

N/A

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

Borrower - 3 YRS Executed 4506T Verified

XXXXX

XX/XX/XXXX

718

400192995

XXXX

DSCR

TBDFX40

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.63%

$3,679.24

Yes

20.00%

$X,XXX.XX

$5,498.15

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.15

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

XXXXX

XX/XX/XXXX

720

400194258

XXXX

DSCR

TBDFX30

XXXXX

XXX Non Agency Guidelines XX/XX/XXXX.2 / XXXXX XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.50%

$4,447.00

Yes

20.00%

$X,XXX.XX

$5,972.12

N/A

$0.00

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.34

1.339

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

XXXXX

XX/XX/XXXX

747

ALT Loan ID

Updated Credit Report Flag

Updated Credit Report Date

Updated FICO Method

Primary Wage Earner Updated FICO Equifax

Primary Wage Earner Updated FICO Experian

Primary Wage Earner Updated FICO Transunion

Secondary Wage Earner Updated FICO Equifax

Secondary Wage Earner Updated FICO Experian

Secondary Wage Earner Updated FICO Transunion

Third Wage Earner Updated FICO Equifax

Third Wage Earner Updated FICO Experian

Third Wage Earner Updated FICO Transunion

Fourth Wage Earner Updated FICO Equifax

Fourth Wage Earner Updated FICO Experian

Fourth Wage Earner Updated FICO Transunion

Updated Primary Borrower FICO

Updated Co Borrower FICO

Updated Co Borrower 2 FICO

Updated Co Borrower 3 FICO

Updated Qualifying FICO

Most Recent Bankruptcy Type

Most Recent Bankruptcy Filing Date

Most Recent Bankruptcy Discharge Date

Number of Bankruptcy Events

Months Bankruptcy 7 11

Months Bankruptcy 13

Most Recent Deed in Lieu Date

Number of Deed in Lieu Events

Months Deed in Lieu

Most Recent Short Sale Date

Number of Short Sale Events

Months Short Sale (or Pre FC)

Most Recent Foreclosure Date

Number of Foreclosure Events

Months Foreclosure

Prior Mortgage/Rent Lates 30d in 0-12m

Prior Mortgage/Rent Lates 60d in 0-12m

Prior Mortgage/Rent Lates 90d in 0-12m

Prior Mortgage/Rent Lates 120d+ in 0-12m

Prior Mortgage/Rent Lates 30d in 13-24m

Prior Mortgage/Rent Lates 60d in 13-24m

Prior Mortgage/Rent Lates 90d in 13-24m

Prior Mortgage/Rent Lates 120d+ in 13-24m

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Is Equity Shared Loan

Subordinate Lien Type

Subordinate Lien Max Draw Amount (HELOC)

Subordinate Lien 2 Type

Subordinate Lien 2 Max Draw Amount (HELOC)

Subordinate Lien 3 Type

Subordinate Lien 3 Max Draw Amount (HELOC)

Is Shared Appreciation Mortgage

ITIN Flag

Borrower Originator Citizenship Designation

Borrower Verified Citizenship Designation

Borrower Individual Tax Identification Number (ITIN)?

Borrower Photo Identification Type

Borrower Photo Identification Other Type

Borrower Photo ID State of Issuance

Borrower Photo ID Country of Issuance

Borrower Photo ID Expiration Date

Borrower Passport Country of Origin

Borrower Passport Expiration Date

Borrower Non-US Citizen Identification Document

Borrower Date of Resident Since/Valid Date

Borrower Non-US Document Expiration Date

Co Borrower Originator Citizenship Designation

Co Borrower Verified Citizenship Designation

Co Borrower Individual Tax Identification Number (ITIN)?

Co Borrower Photo Identification Type

Co Borrower Photo Identification Other Type

Co Borrower Photo ID State of Issuance

Co Borrower Photo ID Country of Issuance

Co Borrower Photo ID Expiration Date

Co Borrower Passport Country of Origin

Co Borrower Passport Expiration Date

Co Borrower Non-US Citizen Identification Document

Co Borrower Date of Resident Since/Valid Date

Co Borrower Non-US Document Expiration Date

Co Borrower 2 Originator Citizenship Designation

Co Borrower 2 Verified Citizenship Designation

Co Borrower 2 Individual Tax Identification Number (ITIN)?

Co Borrower 2 Photo Identification Type

Co Borrower 2 Photo Identification Other Type

Co Borrower 2 Photo ID State of Issuance

Co Borrower 2 Photo ID Country of Issuance

Co Borrower 2 Photo ID Expiration Date

Co Borrower 2 Passport Country of Origin

Co Borrower 2 Passport Expiration Date

Co Borrower 2 Non-US Citizen Identification Document

Co Borrower 2 Date of Resident Since/Valid Date

Co Borrower 2 Non-US Document Expiration Date

Co Borrower 3 Originator Citizenship Designation

Co Borrower 3 Verified Citizenship Designation

Co Borrower 3 Individual Tax Identification Number (ITIN)?

Co Borrower 3 Photo Identification Type

Co Borrower 3 Photo Identification Other Type

Co Borrower 3 Photo ID State of Issuance

Co Borrower 3 Photo ID Country of Issuance

Co Borrower 3 Photo ID Expiration Date

Co Borrower 3 Passport Country of Origin

Co Borrower 3 Passport Expiration Date

Co Borrower 3 Non-US Citizen Identification Document

Co Borrower 3 Date of Resident Since/Valid Date

Co Borrower 3 Non-US Document Expiration Date

Property Rights

Leasehold Lease Expiration Date

Buydown Flag

Assumable Mortgage Flag

Foreign National Alternative Credit Documentation

Liquid / Cash Reserves (ASF)

Months Liquid Reserves

Total Assets Available for Reserves

Months Reserves

Blanket Mortgage Flag

Qualifying HCLTV

Condo Warrantability Flag

E-Note Flag

O&E in lieu of Title Insurance

Business Purpose Flag

Borrower Note Executed As

Co Borrower Note Executed As

Co Borrower 2 Note Executed As

Co Borrower 3 Note Executed As

Maturity Date

Borrower 1 Trust Name

Borrower 2 Trust Name

Borrower 3 Trust Name

Borrower 4 Trust Name

Delayed Financing Flag

Title Company Name

Settlement Agent Company

Neighborhood Location

Gift Funds

Gift Funds Percentage of Total Funds Required

400192933

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

43500.89

31.2

14.51

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400160957

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

99.76

0.1

99.76

0.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400167607

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

97645.14

37.3

97645.14

37.3

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Rural

400161045

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

42006.3

4.7

42006.3

4.7

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400194261

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400194420

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

64.52

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194181

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

653000.73

123.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400175598

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

94428.43

47.2

62.78

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194351

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

22786.38

18.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Rural

400178800

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

17483.75

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194308

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

28638.04

17.9

28638.04

17.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400175512

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

141346.39

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400179076

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

1533.85

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Rural

400178887

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

6838.45

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400193079

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

200726.87

107.4

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400175486

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

562662.92

26.5

562662.92

26.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400179037

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

237095.99

164.8

237095.99

164.8

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400192919

Unknown

HELOC

$X,XXX.XX

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

129780.95

50.96

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400178859

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

28504.99

7.1

28504.99

7.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400178939

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

70197.33

15.2

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400175463

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

22995.05

6.8

22995.05

6.8

73.05

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400175621

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

49902.75

8.7

49902.75

8.7

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400178842

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

88857.97

26.1

88857.97

26.1

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400192894

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

112897.03

8.6

112897.03

8.6

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400193110

Unknown

US Citizen

N/A

Passport

N/A

XXXX

XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

117864.91

71.5

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194127

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

Work Visa

XX/XX/XXXX

Fee Simple

N/A

89193.99

23.2

84393.99

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

Yes

33.33

400193111

Unknown

Foreign National

N/A

Passport

N/A

XXXX

XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Fee Simple

N/A

23174.09

11.7

57.97

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400178792

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

1569422.82

214.3

1569422.82

214.3

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400193077

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

74940.62

26.8

74940.62

26.8

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

Yes

82.99

400178966

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

9563.28

5.2

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194247

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

11979.92

9.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400193008

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

99291.25

12.7

99291.25

12.7

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400178862

Unknown

US Citizen

N/A

Passport

N/A

XXXX

XX/XX/XXXX

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

1136891.18

346

1136891.18

346

26.47

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400192907

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

Work Visa

XX/XX/XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

Work Visa

XX/XX/XXXX

Fee Simple

N/A

96402.22

17.1

96402.22

17.1

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400192971

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

3689.15

15744.83

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400193055

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

154711.72

110.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

Yes

XXXXX

Suburban

400192913

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

45826.57

9.4

45826.57

9.4

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194203

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

209505.09

130.1

68.71

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400194133

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

12794.19

1.6

45471.15

5.7

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194078

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

4050.62

3.5

4050.62

3.5

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400193010

Unknown

US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

24621.05

7.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400194394

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

115571.64

96.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400194437

Unknown

US Citizen

N/A

Other

Patriot Act Form

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

204277.68

30.5

204277.68

30.5

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194253

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

107947.56

95.5

74.38

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400192930

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

143423.16

43.7

143423.16

43.7

88.51

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400193125

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

56471.33

17.3

56471.33

17.3

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

Yes

97.87

400193068

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

674183.3

130

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400192936

Unknown

US Citizen

N/A

Other

Patriot Act Form

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

439809.3

24.9

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194157

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400193116

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

56250.79

14.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400192916

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

19907.39

5.5

19907.39

5.5

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194385

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

21386.02

15.2

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400194111

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

29281.08

5.2

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Urban

400194130

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Patriot Act Form

XXXX

XX/XX/XXXX

I-551 Permanent Resident Card

XX/XX/XXXX

Fee Simple

N/A

168454

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194268

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

7125.96

1.2

407679.19

71.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400194353

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

10377.94

2.8

10377.94

2.8

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Rural

400193013

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

185.11

0.1

146273.95

79.7

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400192911

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

27204.56

5.3

27204.56

5.3

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

Yes

62.51

400193121

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

43102.71

14.3

331297.01

110.2

30.77

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194245

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

103442.81

37.3

103442.81

37.3

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Urban

400194176

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

86998.72

56.1

86998.72

56.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Rural

400192927

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

2100570.56

173.8

2100570.56

173.8

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400193027

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Standard Driver's License - Not for federal Use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

201336.75

120.4

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194169

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

54183.3

38.3

54183.3

38.3

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400192932

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

70583.81

27.5

81275.81

31.7

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

Yes

108.68

400194354

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

419752.99

110.6

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400194266

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

166087.69

91.7

52.24

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400194061

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

Work Visa

XX/XX/XXXX

Fee Simple

N/A

125959.51

22.9

125959.51

22.9

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Rural

400194444

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Rural

400194172

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

12467.75

5.6

12467.75

5.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400194319

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

46915.67

9.9

46915.67

9.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400192944

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

320670.37

130.1

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400193092

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

140375.39

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400194328

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

18517.12

8.2

18517.12

8.2

78.96

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

Yes

71.96

400193118

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

Work Visa

XX/XX/XXXX

Fee Simple

N/A

10043.1

69.44

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Urban

400194283

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

Employment Authorization Document (I-821D)

XX/XX/XXXX

Fee Simple

N/A

3775.57

0.5

3775.57

0.5

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Urban

Yes

96.14

400194217

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

16907.46

6.5

16907.46

6.5

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400193117

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

144498.72

34.5

63.86

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400194259

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

62438.85

35.5

62438.85

35.5

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Urban

400194278

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

6675.56

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400194192

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

9418.76

5.2

9418.76

5.2

22.45

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194187

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

405073.85

150.3

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400194360

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

125860.55

29.6

125860.55

29.6

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194011

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

36973.05

11.4

36973.05

11.4

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194132

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

58.69

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400194166

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

1025676.58

87.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Rural

400194205

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

44504.2

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

400193024

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

125454.29

114.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

Yes

XXXXX

Urban

400178949

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

380527.78

40.7

79.9

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX

Suburban

400192995

Unknown

US Citizen

N/A

Real ID Driver's License

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

579459.08

105.4

63.49

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Urban

400194258

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

XXXX

XX/XX/XXXX

N/A

Fee Simple

N/A

23847.24

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX

Suburban

Yes

18.87

ALT Loan ID

Loan ID

Seller Loan ID

Investor Loan ID

Seller Name

Loan Program

Documentation Type

Executed NOO Docs in File

Lease In Place Flag

Actual In Place Rent

Third Party Market Rent Estimate

Third Party Rent Source

Actual Short Term Rent Amount

Actual Short Term Rent Source

Short Term Rent Number of Months

Short Term Rental Occupancy Factor

Rental Income Used for Property DSCR Calculation

Rental Source for Property DSCR Calculation

DSCR Calculation Based On Short Rental Income Flag

Property DTI

Originator DSCR

TPR DSCR

PITIA

Gross Rental Income Unit 1

Lease End Date Unit 1

Lease Term Unit 1

Gross Rental Income Unit 2

Lease End Date Unit 2

Lease Term Unit 2

Gross Rental Income Unit 3

Lease End Date Unit 3

Lease Term Unit 3

Gross Rental Income Unit 4

Lease End Date Unit 4

Lease Term Unit 4

Gross Rental Income Unit 5

Lease End Date Unit 5

Lease Term Unit 5

Gross Rental Income Unit 6

Lease End Date Unit 6

Lease Term Unit 6

Gross Rental Income Unit 7

Lease End Date Unit 7

Lease Term Unit 7

Gross Rental Income Unit 8+

Rent Loss Insurance

Rent Loss Insurance Amount

Fee Amount

Acquisition Cost

Renovation Cost

Effective Gross Income

Turnover Costs

Repairs and Maintenance

Marketing and Leasing Costs

Utilities

Other Costs

Cap Ex Reserve

Section 8

Blanket Mortgage/Cross Collateral Flag

Number of Years Property Owned

Number of Mortgaged Properties With Lender

Number of Properties Securing Loan

Foreign National Alternative Credit Documentation

Months Reserves

Loan Closed in the name of Business Entity

Vested Business Entity Name

Vested Business Entity Type

Qualifying Primary Borrower Type

Qualifying Primary Borrower First Name

Qualifying Primary Borrower Last Name

Qualifying CoBorrower Type

Qualifying CoBorrower First Name

Qualifying CoBorrower Last Name

Qualifying CoBorrower 2 Type

Qualifying CoBorrower 2 First Name

Qualifying CoBorrower 2 Last Name

Qualifying CoBorrower 3 Type

Qualifying CoBorrower 3 First Name

Qualifying CoBorrower 3 Last Name

Non-Qualifying Guarantor 1 First Name

Non-Qualifying Guarantor 1 Last Name

Non-Qualifying Guarantor 1 Citizenship

Non-Qualifying Guarantor 1 Country Name

Non-Qualifying Guarantor 2 First Name

Non-Qualifying Guarantor 2 Last Name

Non-Qualifying Guarantor 2 Citizenship

Non-Qualifying Guarantor 2 Country Name

Personal Guaranty

Total Number of Guarantors

Personal Guaranty Recourse Level

Business Entity EIN

Primary Appraisal Occupancy

400160957

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

89.04

1.123

1424.68

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

9.3

N/A

0.07

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400167607

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

131.08

0.763

2621.52

N/A

$X,XXX.XX

N/A

37.25

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400161045

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Short Term Rental

$X,XXX.XX

Other

75.00%

$X,XXX.XX

Other

Yes

82.11

1.218

8868.35

Yes

$X,XXX.XX

N/A

4.74

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194261

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1025

$X,XXX.XX

Appraisal - 1025

74.06

1.35

1851.42

Yes

$X,XXX.XX

0.5

N/A

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194181

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1025

$X,XXX.XX

Appraisal - 1025

49.75

2.01

5286.09

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

3.6

N/A

123.53

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400175598

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

99.95

1999.03

Yes

$X,XXX.XX

6.1

N/A

47.24

Vested Individual

XXXXX

N/A

Tenant

400194351

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

98.03

1.02

1225.35

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

1.1

N/A

18.6

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194308

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

93.07

1.074

1.075

1599.79

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

1.1

N/A

17.9

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400175512

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

118.63

0.843

2669.17

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

5.8

N/A

52.96

Vested Individual

XXXXX

N/A

Tenant

400179076

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

79.34

1.257

1.26

1586.87

Yes

$X,XXX.XX

0.5

N/A

0.97

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Tenant

400178887

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Actual In Place Rent

92.67

1.069

1.079

2316.74

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

3.3

N/A

2.95

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400193079

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

89.02

1.123

1869.47

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

4.2

N/A

107.37

Vested Individual

XXXXX

N/A

Tenant

400175486

XXXX

XXXXX

NQXXX 30 Yr Fixed ALT Doc

1YR Business P&L

Present

21258.47

Yes

$X,XXX.XX

N/A

26.47

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400179037

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

79.91

1.251

1438.41

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

1.6

N/A

164.83

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400178859

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Short Term Rental

$X,XXX.XX

XXXXX

48.00%

$X,XXX.XX

XXXXX

Yes

93.39

1.071

4027.98

Yes

$X,XXX.XX

N/A

7.08

Yes

XXXXX

Corporation

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400178939

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

88.06

1.136

4623.41

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

7.3

N/A

15.18

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400178842

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

130.17

0.768

3404.02

Yes

$X,XXX.XX

N/A

26.1

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Vacant

400193110

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

84.49

1.184

1647.49

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

0.5

N/A

71.54

Vested Individual

XXXXX

N/A

Tenant

400193111

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

99.19

1.008

1983.87

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

0.9

N/A

11.68

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400178792

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

84.75

1.139

1.18

7322.37

Yes

$X,XXX.XX

1.2

N/A

214.33

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400193077

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

99.84

1.001

1.002

2795.5

Yes

$X,XXX.XX

N/A

26.81

Vested Individual

XXXXX

N/A

Vacant

400194247

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Actual In Place Rent

69.94

1.429

1.43

1258.98

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

2.3

N/A

9.52

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400193008

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Short Term Rental

$X,XXX.XX

Other

54.80%

$X,XXX.XX

Other

Yes

85.41

1.17

1.171

7801.56

Yes

$X,XXX.XX

N/A

12.73

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400192971

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

86.5

1.156

1211.03

Yes

$X,XXX.XX

0.6

N/A

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400193055

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

69.76

1.433

1395.2

Yes

$X,XXX.XX

0.2

N/A

110.89

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194203

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Actual In Place Rent

81.56

1.226

1610.77

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

0.3

N/A

130.07

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400193010

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1025

$X,XXX.XX

Appraisal - 1025

65.39

1.529

3302.07

Yes

$X,XXX.XX

0.6

N/A

7.46

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194394

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

63.28

1.58

1202.38

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

0.2

N/A

96.12

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400194253

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

86.94

1.15

1130.19

Yes

$X,XXX.XX

0.2

N/A

95.51

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400193068

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Subject Owner Occupied/Vacant

$X,XXX.XX

Short Term Rental

$X,XXX.XX

Other

20.00%

$X,XXX.XX

Other

Yes

74.5

1.342

5185.07

Yes

$X,XXX.XX

1.8

N/A

130.02

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400193116

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

68.8

1.454

3852.64

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

2.8

N/A

14.6

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400194385

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Actual In Place Rent

93.85

1.066

1407.78

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

0.6

N/A

15.19

Yes

XXXXX

Corporation

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400194268

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1025

$X,XXX.XX

Appraisal - 1025

79.24

1.261

1.262

5705.47

Yes

$X,XXX.XX

3.7

N/A

71.45

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194353

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

74.12

1.349

3705.82

Yes

$X,XXX.XX

N/A

2.8

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Tenant

400193013

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

79.76

1.253

1.254

1834.47

Yes

$X,XXX.XX

5.5

N/A

79.74

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400192911

XXXX

XXXXX

NQXXX 30 Yr Fixed ALT Doc

12 Month Bank Statement

Present

5124.54

Yes

$X,XXX.XX

N/A

5.31

Vested Individual

XXXXX

N/A

Vacant

400194245

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

99.96

2773.89

Yes

$X,XXX.XX

N/A

37.29

Vested Individual

XXXXX

N/A

Vacant

400194176

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

1.031

1551.94

Yes

$X,XXX.XX

N/A

56.06

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Owner

400193027

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

83.61

1.196

1672.15

Yes

$X,XXX.XX

0.3

N/A

120.41

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Vacant

400194169

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

94.38

1.059

1.06

1415.69

Yes

$X,XXX.XX

N/A

38.27

Vested Individual

XXXXX

N/A

Vacant

400192932

XXXX

XXXXX

NQXXX 30 Yr Fixed ALT Doc

1YR Business P&L

Present

2565.21

Yes

$X,XXX.XX

N/A

31.68

Vested Individual

XXXXX

N/A

Owner

400194354

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Actual In Place Rent

82.47

1.367

1.213

3793.79

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

N/A

110.64

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400194266

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

82.32

1.215

1811.11

Yes

$X,XXX.XX

2.2

N/A

91.71

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194172

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

94.63

1.056

1.057

2247.55

Yes

$X,XXX.XX

N/A

5.55

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194319

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Subject Owner Occupied/Vacant

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

86.98

1.15

4742.28

Yes

$X,XXX.XX

N/A

9.89

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Owner

400192944

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

85.73

1.166

2464.68

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

24.8

N/A

130.11

Vested Individual

XXXXX

N/A

Vacant

400193092

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

79.54

1.257

1431.77

Yes

$X,XXX.XX

N/A

98.04

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400194328

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

99.96

2249.11

Yes

$X,XXX.XX

N/A

8.23

Vested Individual

XXXXX

N/A

Owner

400193118

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Actual In Place Rent

72.07

1.387

1.388

5044.6

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

2.6

N/A

1.99

Vested Individual

XXXXX

N/A

Tenant

400194283

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1025

$X,XXX.XX

Appraisal - 1025

88.91

1.125

7320.1

Yes

$X,XXX.XX

N/A

0.52

Vested Individual

XXXXX

N/A

Owner

400194217

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

89.53

1.117

3401.98

Yes

$X,XXX.XX

N/A

6.48

Vested Individual

XXXXX

N/A

Vacant

400193117

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

97.48

1.014

1.026

4191.82

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

5.8

N/A

34.47

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400194259

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

176.05

0.568

1760.5

Yes

$X,XXX.XX

N/A

35.47

Vested Individual

XXXXX

N/A

Vacant

400194278

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

79.46

1.25

1.259

953.48

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

0.1

N/A

Yes

XXXXX

Corporation

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400194192

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

60.74

1.646

1822.35

Yes

$X,XXX.XX

N/A

5.17

Vested Individual

XXXXX

N/A

Vacant

400194187

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

99.8

1.002

2694.65

Yes

$X,XXX.XX

1.2

N/A

150.33

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194360

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

121.36

0.824

4247.46

Yes

$X,XXX.XX

N/A

29.63

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Owner

400194166

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Short Term Rental

$X,XXX.XX

Other

35.00%

$X,XXX.XX

Other

Yes

33.4

2.958

2.994

11664.29

Yes

$X,XXX.XX

1.5

N/A

87.93

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194205

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1007

$X,XXX.XX

Appraisal - 1007

99.56

1.004

2339.66

Yes

$X,XXX.XX

N/A

19.02

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Owner

400193024

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$X,XXX.XX

Appraisal - 1025

$X,XXX.XX

Appraisal - 1025

40.56

2.465

2.466

1095.01

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

Yes

$X,XXX.XX

0.5

N/A

114.57

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Tenant

400192995

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Short Term Rental

$X,XXX.XX

Other

20.00%

$X,XXX.XX

Other

Yes

86.93

1.15

5498.15

Yes

$X,XXX.XX

0.2

N/A

105.39

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

400194258

XXXX

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$X,XXX.XX

Appraisal - 1025

$X,XXX.XX

Appraisal - 1025

74.65

1.339

1.34

5972.12

Yes

$X,XXX.XX

N/A

3.99

Yes

XXXXX

Limited Liability Corporation (LLC)

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXX

Vacant

ALT Loan ID

Loan ID

Seller Loan ID

Investor Loan ID

Note Date

Original Loan Amount

Sales Price

Total Adjusted Prior Purchase Price

Primary Appraised Value

Primary Appraisal Date

Primary Appraisal Type

Primary Appraisal Company

Primary Appraiser Name

Primary Appraiser License Number

Value for LTV

LTV

CLTV

Loan Reviewed Property Value

Loan Reviewed Variance Amount

Loan Reviewed Variance Percent

Loan Reviewed Product Type

Loan Post-Close Reviewed Property Value

Loan Post-Close Reviewed Variance Amount

Loan Post-Close Reviewed Variance Percent

Loan Post-Close Reviewed Product Type

Second Appraisal Value

Second Appraisal Variance Amount

Second Appraisal Variance Percent

Second Appraisal Date

Second Appraisal Type

AVM Appraised Value

AVM Variance Amount

AVM Variance Percent

AVM Confidence Score

FSD Score

AVM Company Name

AVM Product Name

AVM Appraisal Date

Desk Review Appraised Value

Desk Review Variance Amount

Desk Review Variance Percent

Desk Review Company

Desk Review Risk Score

Desk Review Appraisal Date

Desk Top Appraised Value

Desk Top Variance Amount

Desk Top Variance Percent

Desk Top Company

Desk Top Appraisal Date

BPO Appraised Value

BPO Variance Amount

BPO Variance Percent

BPO Company

BPO Appraisal Date

Field Review Appraised Value

Field Review Variance Amount

Field Review Variance Percent

Field Review Company

Field Review Appraisal Date

2055 Appraised Value

2055 Variance Amount

2055 Variance Percent

2055 Company

2055 Appraisal Date

AVE/CMA Appraised Value

AVE/CMA Variance Amount

AVE/CMA Variance Percent

AVE/CMA Company

AVE/CMA Appraisal Date

Completion Report (1004D) Date

Other Appraised Value

Other Variance Amount

Other Variance Percent

Other Appraisal Date

Updated Appraised Value

Updated Variance Amount

Updated Variance Percent

Updated Company

Updated Appraisal Date

Updated Appraisal Type

Loan Collateral Advisor Risk Score

Loan Collateral Advisor Risk Score Date

Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?

Collateral Underwriter Risk Score

Collateral Underwriter Risk Score Date

400192933

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

14.51

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.7

XX/XX/XXXX

400160957

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400167607

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400161045

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400194261

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400194420

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

64.52

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194181

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400175598

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

62.78

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194351

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

-.0201

Desk Review

$X,XXX.XX

-.0201

XXXXX

Moderate Risk

XX/XX/XXXX

400178800

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXX

$X,XXX.XX

85.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400194308

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

2.3

XX/XX/XXXX

400175512

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.6

XX/XX/XXXX

400179076

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.6

XX/XX/XXXX

400178887

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

-.0130

AVM

$X,XXX.XX

-.0130

92.0

0.08

XXXXX

ClearAVM

XX/XX/XXXX

400193079

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

65.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400175486

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.1033

Collateral Underwriter (CU)

$X,XXX.XX

.1033

XX/XX/XXXX

1004 URAR

XX/XX/XXXX

400179037

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400192919

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

47.66

50.96

$X,XXX.XX

-.0866

Desk Review

$X,XXX.XX

-.0866

XXXXX

Moderate Risk

XX/XX/XXXX

400178859

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400178939

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400175463

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

73.05

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400175621

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

90.0

$X,XXX.XX

.0985

AVM

$X,XXX.XX

.0985

98.0

0.02

XXXXX

ClearAVM

XX/XX/XXXX

400178842

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400192894

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

-.0701

AVM

$X,XXX.XX

-.0701

97.0

0.03

XXXXX

ClearAVM

XX/XX/XXXX

400193110

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXX

$X,XXX.XX

55.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194127

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXX

$X,XXX.XX

85.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400193111

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

57.97

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400178792

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400193077

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400178966

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194247

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

-.0955

Desk Review

$X,XXX.XX

-.0955

XXXXX

Low risk

XX/XX/XXXX

400193008

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400178862

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

26.47

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400192907

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

85.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400192971

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400193055

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400192913

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

90.0

$X,XXX.XX

.0552

AVM

$X,XXX.XX

.0552

93.0

0.07

XXXXX

ClearAVM

XX/XX/XXXX

400194203

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

68.71

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.7

XX/XX/XXXX

400194133

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

2.2

XX/XX/XXXX

400194078

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400193010

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400194394

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low risk

XX/XX/XXXX

400194437

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.8

XX/XX/XXXX

400194253

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

74.38

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low risk

XX/XX/XXXX

400192930

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

88.51

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400193125

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXX

$X,XXX.XX

85.0

$X,XXX.XX

-.0076

AVM

$X,XXX.XX

-.0076

98.0

0.02

XXXXX

ClearAVM

XX/XX/XXXX

400193068

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

-.0541

Desk Review

$X,XXX.XX

-.0541

XXXXX

Moderate Risk

XX/XX/XXXX

400192936

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0031

XX/XX/XXXX

1004 URAR

400194157

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.7

XX/XX/XXXX

400193116

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400192916

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194385

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400194111

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

-.0696

AVM

$X,XXX.XX

-.0696

91.0

0.09

XXXXX

Other

XX/XX/XXXX

400194130

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

2.4

XX/XX/XXXX

400194268

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

-.0710

Desk Review

$X,XXX.XX

-.0710

XXXXX

Moderate Risk

XX/XX/XXXX

400194353

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

-.0213

AVM

$X,XXX.XX

-.0213

96.0

0.04

XXXXX

ClearAVM

XX/XX/XXXX

400193013

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

-.0743

Desk Review

$X,XXX.XX

-.0743

XXXXX

Moderate Risk

XX/XX/XXXX

400192911

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400193121

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

30.77

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194245

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

-.0160

AVM

$X,XXX.XX

-.0160

97.0

0.03

XXXXX

ClearAVM

XX/XX/XXXX

400194176

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400192927

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

1.2

XX/XX/XXXX

400193027

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.3

XX/XX/XXXX

400194169

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400192932

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0193

AVM

$X,XXX.XX

.0193

98.0

0.02

XXXXX

Other

XX/XX/XXXX

400194354

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400194266

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

52.24

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194061

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400194444

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400194172

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

2.1

XX/XX/XXXX

400194319

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

85.0

$X,XXX.XX

-.0597

AVM

$X,XXX.XX

-.0597

96.0

0.04

XXXXX

ClearAVM

XX/XX/XXXX

400192944

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

65.0

$X,XXX.XX

.0634

AVM

$X,XXX.XX

.0634

97.0

0.03

XXXXX

ClearAVM

XX/XX/XXXX

400193092

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.1310

AVM

$X,XXX.XX

.1310

92.0

0.08

XXXXX

ClearAVM

XX/XX/XXXX

400194328

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

78.96

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400193118

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

69.44

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194283

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400194217

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400193117

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

63.86

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.9

XX/XX/XXXX

400194259

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low risk

XX/XX/XXXX

400194278

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

75.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.7

XX/XX/XXXX

400194192

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

22.45

$X,XXX.XX

-.0880

Desk Review

$X,XXX.XX

-.0880

XXXXX

Low risk

XX/XX/XXXX

400194187

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400194360

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194011

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0040

AVM

$X,XXX.XX

.0040

97.0

0.03

XXXXX

ClearAVM

XX/XX/XXXX

400194132

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

58.69

$X,XXX.XX

.0000

Collateral Underwriter (CU)

1.4

XX/XX/XXXX

400194166

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.3125

1004 URAR

$X,XXX.XX

.3125

XX/XX/XXXX

1004 URAR

XX/XX/XXXX

400194205

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400193024

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXX

$X,XXX.XX

70.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Moderate Risk

XX/XX/XXXX

400178949

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

79.9

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

400192995

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXX

$X,XXX.XX

63.49

$X,XXX.XX

.0000

Collateral Underwriter (CU)

XX/XX/XXXX

400194258

XXXX

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXX

$X,XXX.XX

80.0

$X,XXX.XX

.0000

Desk Review

$X,XXX.XX

.0000

XXXXX

Low Risk

XX/XX/XXXX

ALT Loan ID	Loan ID	Seller Loan ID	Investor Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value	Comment
400192933	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	12.63	12.87	Audit value pulled from most recent credit report in the loan file.
400194261	XXXX			XXXX	Borrower 1 First Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.
400175486	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	29.51	30.87	Audit reflects difference in subject property taxes per documents in the loan file.
400192919	XXXX			XXXX	Qualifying CLTV	propertyValuationPage	50.96	47.66	Audit Value of 1st + 2nd Lien / Qualifying Value
400175463	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	33.76	36.58	Audit reflects difference in qualifying P & I than the approval.
400192894	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	45.5	45.48	Audit liabilities were based on documents in the loan file.
400178792	XXXX			XXXX	Prepayment Penalty Flag	notePage	N	Y	Audit value pulled from Note
400194203	XXXX			XXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit value pulled from Note
400194203	XXXX			XXXX	Note Date	notePage	XX/XX/XXXX	XX/XX/XXXX	Audit value pulled from Note
400193125	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	36.09	36.28	Audit reflects difference in qualifying P & I than the approval.
400194157	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	48.27	48.09	DTI difference is less than 1% and within lender tolerance.
400192916	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	24.07	24.2	Audit reflects difference in qualifying P & I than the approval.
400192911	XXXX			XXXX	Prepayment Penalty Flag	notePage	N	Y	Audit Value Pulled From Note.
400194245	XXXX			XXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit value pulled from Note .
400192932	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	31.98	28.61	Audit liabilities were based on documents in the loan file.
400194061	XXXX			XXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.
400194444	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	45.61	48.17	Audit reflects difference in qualifying P & I than the approval and Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX.
400192944	XXXX			XXXX	Borrower 1 First Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.
400194187	XXXX			XXXX	Note Date	notePage	XX/XX/XXXX	XX/XX/XXXX	Audit value pulled from Note
400194360	XXXX			XXXX	Note Date	notePage	XX/XX/XXXX	XX/XX/XXXX	Audit value pulled from Note
400194011	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	26.7	26.88	Audit reflects difference in qualifying P & I than the approval.
400194132	XXXX			XXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit value pulled from Note
400194132	XXXX			XXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	46.47	41.67	Audit DTI difference is due to income calculation and liabilities based on documents in loan file
400192995	XXXX			XXXX	Number of Units	propertyValuationPage	2	1	Audit value pulled from the Appraisal